Western Union 2009 Annual Report Download - page 15

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PA RT I
FORWARD-LOOKING STATEMENTS
This Annual Report on Form 10-K and materials we have filed or will file 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 performance and involve certain
risks, uncertainties and assumptions that are difficult 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,” “anticipates,” “believes,” “estimates,” “guides,” “provides guidance,” “provides outlook” and other
similar expressions or future or conditional verbs such as “will,” “should,” “would” and “could” are intended
to identify such forward-looking statements. Readers of the Annual Report on Form 10-K of the Western
Union Company (the “company,” “Western Union,” “we,” “our” or “us”) should not rely solely on the forward-
looking statements and should consider all uncertainties and risks throughout this Annual Report on
Form 10-K, including those described under “Risk Factors.” The statements are only as of the date they are
made, and the company undertakes 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 immigration laws, patterns and other factors related to migrants;
• our ability to adapt technology in response to changing industry and consumer needs or trends;
• our failure to develop and introduce new products, services and enhancements, and gain market
acceptance of such products;
• the failure by us, our agents or subagents to comply with our business and technology standards and
contract requirements or applicable laws and regulations, especially laws designed to prevent money
laundering and terrorist financing, and/or changing regulatory or enforcement interpretations of those
laws;
• failure to comply with the settlement agreement with the State of Arizona;
• changes in United States or foreign laws, rules and regulations including the Internal Revenue Code,
and governmental or judicial interpretations thereof;
• changes in general economic conditions and economic conditions in the regions and industries in
which we operate;
• adverse movements and volatility in capital markets and other events which affect our liquidity, the
liquidity of our agents or clients, or the value of, or our ability to recover our investments or amounts
payable to us;
• political conditions and related actions in the United States and abroad which may adversely affect
our businesses and economic conditions as a whole;
• interruptions of United States government relations with countries in which we have or are
implementing material agent contracts;
• our ability to resolve tax matters with the Internal Revenue Service and other tax authorities
consistent with our reserves;
• mergers, acquisitions and integration of acquired businesses and technologies into our company, and
the realization of anticipated financial benefits from these acquisitions;
• changes in, and failure to manage effectively exposure to, foreign exchange rates, including the
impact of the regulation of foreign exchange spreads on money transfers and payment transactions;
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