1271625--9/3/2009--DOLLAR_FINANCIAL

related topics

{operation, international, foreign}

{financial, litigation, operation}

{acquisition, growth, future}

{product, market, service}

{stock, price, share}

{condition, economic, financial}

{personnel, key, retain}

{operation, natural, condition}

{cost, operation, labor}

{tax, income, asset}

{regulation, change, law}

{loss, insurance, financial}

{system, service, information}

{stock, price, operating}

{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. Risk and uncertainties related to political and economic conditions in foreign countries in which we operate could negatively impact our operations. 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. If the national and world-wide financial crisis continues, potential disruptions in the credit markets may negatively impact the availability and cost of short-term borrowing under our credit facility, which could adversely affect our results of operations, cash flows and financial condition. 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. A reduction in demand for our products and services and failure by us to adapt to such reduction could adversely affect our business and results of operations. Our business and results of operations may be adversely affected if we are unable to manage our growth effectively. Our ability to open and acquire new stores is subject to outside factors and circumstances over which we have limited control or that are beyond our control which could adversely affect our growth potential. If we do not successfully integrate newly acquired businesses into our operations, our performance and results of operations could be negatively affected. Our check cashing services may further diminish 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. Any disruption in the availability of our information systems could adversely affect our business operations. In the event that our cash flow from operations are not sufficient to meet our future liquidity needs, a portion of the goodwill on our balance sheet could become impaired, which could significantly impact our total shareholders equity. Risks Relating to Our Capital Stock The price of our common stock may be volatile. We have never paid dividends on our common stock and do not anticipate paying any in the foreseeable future.

Full 10-K form ▸

1271625--9/3/2009--DOLLAR_FINANCIAL_CORP