Western Union 2011 Annual Report Download - page 10

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PART 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 this 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:
Events Related to Our Business and Industry
• deterioration in consumers’ and clients’ confidence in our business, or in money transfer and payment
service providers generally;
• changes in general economic conditions and economic conditions in the regions and industries in which
we operate, including global economic downturns and financial market disruptions;
• political conditions and related actions in the United States and abroad which may adversely affect our
business 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;
• changes in immigration laws, interruptions in immigration 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 services and enhancements, and gain market acceptance of such
services;
• mergers, acquisitions and integration of acquired businesses and technologies into our Company, and the
realization of anticipated financial benefits from these acquisitions;
• decisions to downsize, sell or close units, or to transition operating activities from one location to another
or to third parties, particularly transitions from the United States to other countries;
• decisions to change our business mix;
3