eTrade 2001 Annual Report Download - page 98

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fluctuations in interest rates, which will impact our investment and loan portfolios and the volume of our loan originations,
•
changes in trading volume in securities markets,
•
the success of, or costs associated with, acquisitions, joint ventures or other strategic relationships,
•
changes in key personnel,
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seasonal trends,
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purchases and sales of securities and other assets as part of the Bank’ s portfolio restructuring efforts,
•
customer acquisition costs, which may be affected by competitive conditions in the marketplace,
•
the timing of introductions or enhancements to online financial services and products by us or our competitors,
•
market acceptance of online financial services and products,
•
domestic and international regulation of the brokerage, banking and Internet industries,
•
accounting for derivative instruments and hedging activities,
•
changes in domestic or international tax rates,
2002. EDGAR Online, Inc.