814549--3/30/2009--EBIX

related topics

{stock, price, operating}

{system, service, information}

{property, intellectual, protect}

{operation, international, foreign}

{product, market, service}

{acquisition, growth, future}

{regulation, change, law}

{regulation, government, change}

{provision, law, control}

{personnel, key, retain}

We may not be able to secure additional financing to support capital requirements when needed. Our recent acquisitions of Jenquest, Telstra, Acclamation and ConfirmNet, as well as any future acquisitions that we may undertake could be difficult to integrate, disrupt our business, dilute stockholder value and adversely impact our operating results. We may not be able to develop new products or services necessary to effectively respond to rapid technological changes. Disruptions in our business-critical systems and operations could interfere with our ability to deliver products and services to our customers. The markets for our products are highly competitive and are likely to become more competitive, and our competitors may be able to respond more quickly to new or emerging technology and changes in customer requirements. We regard our intellectual property in general, and our software in particular, as critical to our success. If we infringe on the proprietary rights of others, our business operations may be disrupted, and any related litigation could be time consuming and costly. We depend on the continued services of our senior management and our ability to attract and retain other key personnel. Our international operations are subject to a number of risks that could affect our revenues, operating results, and growth. Our financial position and operating results may be adversely affected by the changing U.S. Dollar rates and fluctuations in other currency exchange rates. Risks Relating to Regulation and Litigation Federal Trade Commission laws and regulations that govern the insurance industry could expose us or the agents, brokers and carriers with whom we participate in our online marketplace to legal penalties. Risks Related to Our Conduct of Business on the Internet Any disruption of our internet connections could affect the success of our internet-based products. Concerns regarding security of transactions or the transmission of confidential information over the Internet or security problems we experience may prevent us from expanding our business or subject us to legal exposure. Uncertainty in the marketplace regarding the use of internet users personal information, or legislation limiting such use, could reduce demand for our services and result in increased expenses. Future government regulation of the internet could place financial burdens on our businesses. Risks Related To Our Common Stock The price of our common stock may be extremely volatile. Quarterly and annual operating results may fluctuate, which could cause our stock price to be volatile. The significant concentration of ownership of our common stock will limit an investor s ability to influence corporate actions.

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814549--3/30/2009--EBIX_INC