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| related topics |
| {loss, insurance, financial} |
| {system, service, information} |
| {loan, real, estate} |
| {investment, property, distribution} |
| {regulation, change, law} |
| {stock, price, operating} |
| {regulation, government, change} |
| {condition, economic, financial} |
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ACC'S RESULTS OF OPERATIONS MAY BE MATERIALLY AFFECTED BY MARKET FLUCTUATIONS AND BY ECONOMIC AND OTHER FACTORS.
DEFAULTS IN ACC'S FIXED INCOME SECURITIES PORTFOLIO WOULD ADVERSELY AFFECT THE COMPANY'S EARNINGS.
SOME OF ACC'S INVESTMENTS ARE RELATIVELY ILLIQUID.
IF THE COUNTERPARTIES TO THE DERIVATIVE INSTRUMENTS ACC USES TO HEDGE CERTAIN CERTIFICATE LIABILITIES DEFAULT, ACC MAY BE EXPOSED TO RISKS IT HAD SOUGHT TO MITIGATE, WHICH COULD ADVERSELY AFFECT ACC'S FINANCIAL CONDITION AND RESULTS OF OPERATIONS.
IF ACC'S RESERVES FOR FUTURE CERTIFICATE REDEMPTIONS AND MATURITIES ARE INADEQUATE, ACC MAY BE REQUIRED TO INCREASE ITS RESERVE LIABILITIES, WHICH COULD ADVERSELY AFFECT ITS RESULTS OF OPERATIONS AND FINANCIAL CONDITION.
ACC'S BUSINESS IS REGULATED, AND CHANGES IN REGULATION MAY REDUCE THE COMPANY'S PROFITABILITY AND LIMIT ITS GROWTH.
CONFLICTS OF INTEREST ARE INCREASING AND A FAILURE TO APPROPRIATELY DEAL WITH CONFLICTS OF INTEREST COULD ADVERSELY AFFECT ACC'S BUSINESS.
FAILURE OF ACC'S SERVICE PROVIDERS TO PERFORM THEIR RESPONSIBILITIES COULD ADVERSELY AFFECT ACC'S BUSINESS.
ACC'S PARENT MAY NOT HAVE SUFFICIENT ABILITY TO GENERATE CAPITAL NECESSARY TO MEET ACC'S OPERATING AND REGULATORY CAPITAL REQUIREMENTS.
AS AMERIPRISE FINANCIAL BUILDS ITS INFORMATION TECHNOLOGY INFRASTRUCTURE AND TRANSITIONS ITS DATA TO ITS OWN SYSTEMS AND THAT OF ITS AFFILIATES, SUCH AS ACC, IT COULD EXPERIENCE TEMPORARY BUSINESS INTERRUPTIONS AND INCUR SUBSTANTIAL ADDITIONAL COSTS. IN ADDITION, ACC RELIES ON AMERICAN EXPRESS FOR DISASTER RECOVERY AND MAY EXPERIENCE DIFFICULTIES IN DEVELOPING ITS OWN DISASTER RECOVERY CAPABILITY.
ACC'S SEPARATION FROM AMERICAN EXPRESS COULD INCREASE ITS U.S. FEDERAL INCOME TAX COSTS.
Full 10-K form ▸
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