Western Union 2007 Annual Report Download - page 14

12
WESTERN UNION 2007 Annual Report
||
Forward-Looking Statements
This Annual Report and materials we have fi led or will fi le with
the Securities and Exchange Commission (the “SEC”) (as well as
information included in our other written or oral statements)
contain or will contain certain statements that are forward-looking
within the meaning of the Private Securities Litigation Reform Act
of 1995. These statements are not guarantees of future perfor-
mance and involve certain risks, uncertainties and assumptions
that are diffi cult to predict. Actual outcomes and results may differ
materially from those expressed in, or implied by, our forward-
looking statements. Words such as “expects,” “intends,” “antici-
pates,” “believes,” “estimates,” “guides,” “provides guidance” and
other similar expressions or future or conditional verbs such as
“will,” “should,” “would” and “could” are intended to identify such
forward-looking statements. You should not rely solely on the
forward-looking statements and should consider all uncertainties
and risks, as described under “Risk Factors” in our Annual Report
on Form 10-K, fi led with the SEC on February 26, 2008. The
statements are only as of the date they are made, and we under-
take no obligation to update any forward-looking statement.
Possible events or factors that could cause results or performance
to differ materially from those expressed in our forward-looking
statements include the following:
|| changes in general economic conditions and economic
conditions in the geographic regions and industries in
which we operate;
|| changes in immigration laws, patterns and other factors
related to immigrants;
|| technological changes, particularly with respect to
e-commerce;
|| our ability to attract and retain qualifi ed key employees
and to successfully manage our workforce;
|| changes in foreign exchange rates, including the impact
of the regulation of foreign exchange spreads on money
transfers;
|| adverse movements and volatility in debt and equity
capital markets;
|| political conditions and related actions by the United States
and abroad which may adversely affect our businesses and
economic conditions as a whole;
|| continued growth in the money transfer market and other
markets in which we operate at rates approximating
recent levels;
|| implementation of agent contracts according to schedule;
|| our ability to maintain our agent network and biller
relationships under terms consistent with those currently
in place;
|| interruptions of United States government relations with
countries in which we have or are implementing material
agent contracts;
|| deterioration in consumers’ and clients’ confi dence in our
business, or in money transfer providers generally;
|| successfully managing credit and fraud risks presented by
our agents and consumers;
|| liabilities and unanticipated developments resulting from
litigation and regulatory investigations and similar matters,
including costs, expenses, settlements and judgments;
|| changes in United States or foreign laws, rules and
regulations including the Internal Revenue Code, and
governmental or judicial interpretations thereof;
|| our ability to favorably resolve tax matters with the Internal
Revenue Service and other tax jurisdictions;
|| changes in industry standards affecting our business;