Cash America 2009 Annual Report Download - page 45

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from February 2008 until October 2008 where he oversaw the division’s strategy, marketing and analytics.
Prior to joining CashNetUSA, Mr. Ho worked in program management at GE Healthcare in Milwaukee,
Wisconsin. He received a Bachelor of Science degree in Computer Science from the University of Illinois.
Dennis J. Weese has been the President – Retail Services Division since July 2008. He joined the
Company as Executive Vice President & Chief Operating Officer – Retail Services Division in September
2007. Prior to joining the Company, Mr. Weese was Chief Operating Officer of On The Border Mexican
Grill and Cantina, a restaurant company within the Brinker International family of restaurants from July 2004
until September 2007. He also served in a number of Vice President and Director Level positions at Limited
Brands Inc. from May 2001 until July 2004, and with YUM! Brands, Inc. from September 1990 to May 2001.
He is a graduate of the United States Military Academy at West Point, and has earned a master's degree in
business administration from Auburn University and a master's degree in business management from the
University of Central Texas.
Thomas A. Bessant, Jr. has been the Company’s Executive Vice President – Chief Financial Officer
since July 1998. He joined the Company in May 1993 as Vice President – Finance and Treasurer and was
elected Senior Vice President – Chief Financial Officer in July 1997. Prior to joining the Company, Mr.
Bessant was a Senior Manager in the Corporate Finance Consulting Services Group of Arthur Andersen &
Co., S.C. in Dallas, Texas from June 1989 to April 1993. Prior to that, Mr. Bessant was a Vice President in
the Corporate Banking Division of a major money center bank where he started his professional career in
1981. Mr. Bessant holds a Bachelor of Business Administration degree in accounting and finance from Texas
Tech University and a Masters of Business Administration degree in finance from Vanderbilt University.
J. Curtis Linscott became Executive Vice President – General Counsel and Secretary in May 2006.
He was appointed Vice President, General Counsel and Corporate Secretary in May 2005. Mr. Linscott
joined the Company in 1995, serving as Associate General Counsel and Vice President – Associate General
Counsel. Before joining the Company, he was in private law practice with Kelly, Hart & Hallman, P.C., Fort
Worth, Texas, for five years. He received his law degree from the University of Kansas School of Law in
1990 and an undergraduate degree in Marketing from Kansas State University.
Item 1A. Risk Factors
The Company’s business and future results may be affected by a number of risks and uncertainties
that should be considered carefully in evaluating the Company. There may be additional risks and
uncertainties to those listed below that are not currently known to the Company or that management currently
deems immaterial that may also impair the Company’s business operations. The occurrence of one or more of
the events listed below could significantly adversely affect the Company’s business, prospects, financial
condition, results of operations and cash flows.
Risks Related to the Company’s Business and Industry
Adverse changes in laws or regulations affecting the Company’s short-term consumer loan services could
negatively impact the Company’s operations.
The Company’s products and services are subject to extensive regulation and supervision under
various federal, state, local and foreign laws, ordinances and regulations. In addition, as the Company
develops new products and services, it will become subject to additional federal, state, local and foreign laws,
ordinances and regulations. Failure to comply with applicable laws and regulations could subject the
Company to regulatory enforcement action that could result in the assessment against the Company of civil,
monetary or other penalties. The Company faces the risk that restrictions or limitations resulting from the
enactment, change, or interpretation of laws and regulations could negatively affect the Company’s business
activities or effectively eliminate some of the Company’s current loan products.