1271625--9/18/2007--DOLLAR_FINANCIAL

related topics

{operation, international, foreign}

{financial, litigation, operation}

{stock, price, operating}

{product, market, service}

{condition, economic, financial}

{personnel, key, retain}

{cost, operation, labor}

{operation, natural, condition}

{loss, insurance, financial}

{provision, law, control}

{regulation, change, law}

{stock, price, share}

{system, service, information}

{acquisition, growth, future}

{competitive, industry, competition}

Public perception and press coverage of single-payment consumer loans as being predatory or abusive could negatively affect our revenues and results of operations. If our estimates of loan losses are not adequate to absorb losses, our results of operations and financial condition may be adversely affected. Legal proceedings may have a material adverse impact on our results of operations or cash flows in future periods. Competition in the financial services industry could cause us to lose market share and revenues. Unexpected changes in foreign tax rates and political and economic conditions could negatively impact our operating results. The international scope of our operations may contribute to increased costs and negatively impact our operations. Foreign currency fluctuations may adversely affect our results of operations. Demand for our products and services is sensitive to the level of transactions effected by our customers, and accordingly, our revenues could be affected negatively by a general economic slowdown. We may experience difficulties transitioning our U.S. installment-lending business to our company-funded short-term single payment loan product. Our business model for our legal document processing services business is being challenged in the courts, as well as by state legislatures, which could result in our discontinuation of these services in any one or more jurisdictions. Changes in local rules and regulations such as local zoning ordinances could negatively impact our business, results of operations and financial condition. Our business and results of operations may be adversely affected if we are unable to manage our growth effectively. Our check cashing services may become obsolete because of technological advances. Our business is seasonal in nature, which causes our revenues and earnings to fluctuate. Because we maintain a significant supply of cash in our stores, we may be subject to cash shortages due to robbery, employee error and theft. If we lose key management or are unable to attract and retain the talent required for our business, our operating results could suffer. A catastrophic event at our corporate or international headquarters or our centralized call-center facilities in the United States, Canada and the United Kingdom could significantly disrupt our operations and adversely affect our business, results of operations and financial condition. Our anti-takeover provisions could prevent or delay a change in control of our company, even if such change of control would be beneficial to our stockholders. Our executive officers, directors and principal stockholders may be able to exert significant control over our future direction. The accounting method for convertible debt securities with net share settlement, such as our 2.875% Senior Convertible Notes due 2027, may be subject to change.

Full 10-K form ▸

1271625--9/18/2007--DOLLAR_FINANCIAL_CORP