Cash America 2015 Annual Report Download - page 5

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,” “intends,” “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:
• risks related to the regulation of the Company, such as the failure to comply with existing, the adoption of new, or
adverse changes in the interpretation or enforcement of laws, rules, regulations and guidance, the regulatory and
examination authority of the Consumer Financial Protection Bureau (“CFPB”), and the effect of and compliance
with enforcement actions, orders and agreements issued by applicable regulators;
• decreased demand for the Company’s products and services and changes in competition;
• fluctuations in the price of gold and changes in economic conditions;
• public perception of the Company’s business and the Company’s business practices;
• the effect of any current or future litigation proceedings, including an unfavorable outcome in an outstanding
lawsuit relating to the Company’s 5.75% Senior Notes due 2018 even though the Company believes the lawsuit is
without merit and will vigorously defend its position, and any judicial decisions or rule-making that affects the
Company, its products or the legality or enforceability of its arbitration agreements;
• risks related to the Company’s financing, such as compliance with financial covenants in the Company’s debt
agreements or the Company’s ability to satisfy its outstanding debt obligations, to refinance existing debt
obligations or to obtain new capital;
• accounting and income tax risks related to goodwill and other intangible asset impairment, certain tax positions
taken by the Company and other accounting matters that require the judgment of management;
• the Company’s ability to attract and retain qualified executive officers;
• risks related to interruptions to the Company’s business operations, such as a prolonged interruption in the
Company’s operations of its facilities, systems or business functions, cyber-attacks or security breaches or the
actions of third parties who provide, acquire or offer products and services to, from or for the Company;
• risks related to the expansion and growth of the Company’s business, including the Company’s ability to open new
locations in accordance with plans or to successfully integrate newly acquired businesses into its operations;
• risks related to the spin-off of the Company’s former online lending business that comprised its e-commerce
division, Enova International, Inc.;
• fluctuations in the price of the Company’s common stock;
• 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 should not be construed as exhaustive and should be read together with the other
cautionary statements included in this annual report, including under the caption “Risk Factors” in Item 1A of this
annual report. In addition, new factors may emerge or changes to these factors may occur that would impact the
Company’s business. Additional information regarding these and other risks can be found in this annual report and may
also be contained in the Company’s other 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 those 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.