807884--2/26/2010--CASH_AMERICA_INTERNATIONAL

related topics

{debt, indebtedness, cash}

{financial, litigation, operation}

{system, service, information}

{operation, international, foreign}

{condition, economic, financial}

{stock, price, share}

{acquisition, growth, future}

{stock, price, operating}

{loan, real, estate}

{gas, price, oil}

{interest, director, officer}

{loss, insurance, financial}

{competitive, industry, competition}

{property, intellectual, protect}

{product, market, service}

{tax, income, asset}

Media reports and public perception of short-term consumer loans as being predatory or abusive could materially adversely affect the Company s cash advance business. A sustained deterioration in the economy could reduce demand for the Company s products and services and result in reduced earnings. Current and future litigation or regulatory proceedings could have a material adverse effect on the Company s business, prospects, results of operations and financial condition. The Company s foreign operations are subject to political or regulatory changes or significant changes in the economic environment and other concerns. A decreased demand for the Company s products and specialty financial services and failure of the Company to adapt to such decrease could adversely affect results of operations and financial condition. The failure of third-parties who provide products, services or support to the Company to maintain their products, services or support could disrupt Company operations or result in a loss of revenue. If the Company s allowance for losses and accruals for losses on third-party lender-owned cash advances are not adequate to absorb losses, the Company s results of operations and financial condition may be adversely affected. The Company may be unable to protect its proprietary technology or keep up with that of its competitors. Changes in the Company s financial condition or continued disruption in the capital markets could reduce available capital. Failure to satisfy our debt obligations could have a material adverse effect on our business. Some of the Company s debt agreements contain financial covenants and other restrictions which may limit its ability to operate its business. The Company s business depends on the uninterrupted operation of the Company s facilities, systems and business functions, including its information technology and other business systems. The Company s growth is subject to external factors and other circumstances over which the Company has limited control or that are beyond the Company s control. These factors and circumstances could adversely affect the Company s ability to grow through the opening and acquisition of new operating units. The Company s earnings and financial position are subject to changes in the value of gold. A significant or sudden decline in the price of gold could materially affect the Company s earnings. Increased competition from banks, savings and loans, other short-term consumer lenders, and other entities offering similar financial services, as well as retail businesses that offer products and services offered by the Company, could adversely affect the Company s results of operations. The Company is subject to impairment risk The Company s foreign operations subject the Company to foreign exchange risk The failure to successfully integrate newly acquired businesses into the Company s operations could negatively impact the Company s performance Adverse real estate market fluctuations could affect the Company s profits. Other risk factors are discussed under Quantitative and Qualitative Disclosures about Market Risk. Risks Related to the Company s Common Stock The price of the Company s common stock has been volatile and could continue to fluctuate substantially. Future issuances of additional shares of the Company s common stock could cause dilution of ownership interests and adversely affect the Company s stock price.

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807884--2/26/2010--CASH_AMERICA_INTERNATIONAL_INC