Western Union 2010 Annual Report Download - page 5

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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, terrorist
financing and anti-competitive behavior, and/or changing regulatory or enforcement interpretations of those laws;
• the impact on our business of the Dodd-Frank Wall Street Reform and Consumer Protection Act and the rules
promulgated there-under;
• 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;
• 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;
• 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;
• our ability to resolve tax matters with the Internal Revenue Service and other tax authorities consistent with
our reserves;
• failure to comply with the settlement agreement with the State of Arizona;
• liabilities and unanticipated developments resulting from litigation and regulatory investigations and similar
matters, including costs, expenses, settlements and judgments;
• mergers, acquisitions and integration of acquired businesses and technologies into our Company, and the
realization of anticipated financial benefits from these acquisitions;
3