Cash America 2013 Annual Report Download - page 25

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 with respect to the business, financial condition, operations and prospects of Cash America International, Inc. and its
subsidiaries (collectively, 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:
•the effect of and compliance with domestic and foreign pawn, consumer credit, tax and other laws and government rules
and regulations applicable to the Company’s business, including changes in such laws, rules and regulations, or changes
in the interpretation or enforcement thereof, and the regulatory and examination authority of the Consumer Financial
Protection Bureau with respect to providers of consumer financial products and services in the United States and the
Financial Conduct Authority in the United Kingdom;
•the deterioration of the political, regulatory or economic environment in foreign countries where the Company operates or
in the future may operate;
•the Company’s ability to process or collect consumer loans through the Automated Clearing House system;
•the actions of third parties who provide, acquire or offer products and services to, from or for the Company;
•public perception of the Company’s business, including the Company’s consumer loan business and the Company’s
business practices;
•the effect of any current or future litigation proceedings and any judicial decisions or rule-making that affects the
Company, its products or the legality or enforceability of its arbitration agreements;
•fluctuations, including a sustained decrease, in the price of gold or a deterioration in economic conditions;
•a prolonged interruption in the Company’s operations of its facilities, systems or business functions, including the
Company’s information technology and other business systems;
•changes in demand for the Company’s services and changes in competition;
•the Company’s ability to maintain an allowance or liability for estimated losses on consumer loans that are adequate to
absorb credit losses;
•the Company’s ability to attract and retain qualified executive officers;
•the Company’s ability to open new locations in accordance with plans or to successfully integrate newly acquired
businesses into its operations;
•interest rate and foreign currency exchange rate fluctuations;
•changes in the capital markets, including the debt and equity markets;
•changes in the Company’s ability to satisfy the Company’s debt obligations or to refinance existing debt obligations or
obtain new capital to finance growth;
•cyber-attacks or security breaches;
•acts of God, war or terrorism, pandemics and other events;
•the effect of any of the above changes on the Company’s business or the markets in which the Company operates; and
•other risks and uncertainties described in this report or from time to time in the Company’s filings with the Securities and
Exchange Commission (“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-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.