Cash America 2011 Annual Report Download - page 31

CAUTIONARY NOTE CONCERNING FACTORS THAT MAY AFFECT FUTURE RESULTS
This report contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and
Section 21E of the Securities Exchange Act of 1934. You should not place undue reliance on these statements. These forward-
looking statements give current expectations or forecasts of future events and reflect the views and assumptions of senior
management of Cash America International, Inc. (the “Company”) with respect to the business, financial condition and prospects
of the Company. When used in this report, terms such as “believes,” “estimates,” “should,” “could,” “would,” “plans,” “expects,”
“anticipates,” “may,” “forecast,” “project” and similar expressions or variations as they relate to the Company or its management
are intended to identify forward-looking statements. Forward-looking statements address matters that involve risks and
uncertainties that are beyond the ability of the Company to control and, in some cases, predict. Accordingly, there are or will be
important factors that could cause the Company’s actual results to differ materially from those indicated in these statements. Key
factors that could cause the Company’s actual financial results, performance or condition to differ from the expectations
expressed or implied in such forward-looking statements include, but are not limited to, the following:
xchanges in domestic and foreign pawn, consumer credit, tax and other laws and government rules and regulations
applicable to the Company’s business, or changes in the interpretation or enforcement thereof, and the potential regulation
of consumer financial products and services by the Consumer Financial Protection Bureau,
xacceptance by consumers, legislators and regulators of the negative characterization by the media and consumer activists
with respect to certain of the Company’s loan products,
xrisks related to the Company’s previously-announced proposed initial public offering of common stock of the Company’s
wholly-owned subsidiary, Enova International, Inc.,
xthe deterioration of the political, regulatory or economic environment in foreign countries where the Company operates or
in the future may operate,
xthe actions of third parties who provide, acquire or offer products and services to, from or for the Company,
xchanges in demand for the Company’s services and the continued acceptance of the online channel by the Company’s
online loan customers,
xfluctuations in the price of gold or a deterioration in economic conditions,
xchanges in competition,
xthe ability of the Company to open new locations in accordance with plans or to successfully integrate newly acquired
businesses into the Company’s operations,
xinterest rate and foreign currency exchange rate fluctuations,
xthe effect of any current or future litigation proceedings and any judicial decisions or rule-making that could render the
Company’s arbitration agreements illegal or unenforceable,
xchanges in the capital markets, including the debt and equity markets,
xchanges in the Company’s ability to satisfy its debt obligations or to refinance existing debt obligations or obtain new
capital to finance growth,
xa prolonged interruption in the Company’s operations of its facilities, systems and business functions, including its
information technology and other business systems,
xsecurity breaches, cyber attacks or fraudulent activity,
xthe implementation of new, or changes in the interpretation of existing, accounting principles or financial reporting
requirements,
xacts of God, war or terrorism, pandemics and other events,
xthe effect of any of such changes on the Company’s business or the markets in which the Company operates, and
xother risks and uncertainties described in this report or from time to time in the Company’s filings with the Securities and
Exchange Commission (the “SEC”).
The foregoing list of factors is not exhaustive and new factors may emerge or changes to these factors may occur that
would impact the Company’s business. Additional information regarding these and other factors may be contained in the
Company’s filings with the SEC, especially on Forms 10-K, 10-Q and 8-K. If one or more events related to these or other
risks or uncertainties materialize, or if management’s underlying assumptions prove to be incorrect, actual results may differ
materially from what the Company anticipates. The Company disclaims any intention or obligation to update or revise any
forward-looking statements to reflect events or circumstances occurring after the date of this report. All forward-looking
statements are expressly qualified in their entirety by the foregoing cautionary statements.