749254--3/31/2009--TRM

related topics

{system, service, information}

{customer, product, revenue}

{competitive, industry, competition}

{provision, law, control}

{loss, insurance, financial}

{stock, price, share}

Our sales depend on transaction fees from our network of ATMs. A decline in either transaction volume or the level of transaction fees could reduce our sales and harm our operating results. If merchant-owned ATM customers terminate their relationships with us prior to the termination of their contract or do not renew their contracts upon their expiration, it could reduce our ATM sales. Changes in technology standards may cause us to incur substantial expense in upgrading or replacing our ATMs and could reduce use of ATMs and reduce our sales. The ATM market is highly competitive, which could limit our growth or reduce our sales. We rely on third parties to service our ATMs and their failure to do so may harm our operations, damage our reputation and decrease our transaction volume. Increases in interest rates will increase our expenses. Our ATM business operates in a changing and unpredictable regulatory environment. The passing of anti-money laundering legislation could cause us to lose some merchant accounts, thus reducing our revenues. If we, our transaction processors, our EFTNs or our other service providers experience system failures, the ATM products and services we provide could be delayed or interrupted, which would harm our business. We rely on EFTNs and transaction processors; if we cannot renew our agreements with them, if they are unable to perform their services effectively or if they decrease the level of the transaction fees we receive, it could harm our business. We could lose access to vault cash used to fill our placement ATMs under a cash provisioning agreement. Risks Relating to Our Common Stock Our charter documents and Oregon law may inhibit a takeover that shareholders may consider favorable.

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749254--3/31/2009--TRM_CORP