Rather than decide on a bank or non-bank, many borrowers focus primarily on the price of their loan or opt for a lender that provides
them with other financial services or one recommended by a real estate company or builder they are using for a purchase.
Just like
with other financial services, your credit score is going to part of the screening process when you apply for renters insurance in Port Orange.
Many of these products are offered via Primerica's relationships
with other financial services entities, such as Invesco, Legg Mason, Franklin Templeton, Lincoln Financial, AXA, VOYA Financial, MetLife, and Lockwood Advisors.
American Consumer Credit Counseling (ACCC) is a nonprofit credit counseling and debt relief counseling agency that provides pre-filing credit counseling along
with other financial services.
Moneytree offers payday loans along
with other financial services such as title loans, business loans, check cashing, Western Union, money orders and bill pay.
The HighLow customers are free to use ASIC's MoneySmart portal to easily access all the necessary information and procedures in case of a fraud case with HighLow regulated platform, as well as
with other financial services providers in Australia.
Not exact matches
Such statements include, but are not limited to, statements about the continued demand for our product, the wind - down of ExpressJet's flying agreement
with Delta, and the related removal from
service and / or placement into
service of certain aircraft, the scheduled aircraft deliveries for SkyWest Airlines for 2018, as well as SkyWest's future
financial and operating results, plans, objectives, expectations, estimates, intentions and outlook, and
other statements that are not historical facts.
Along
with PCCW, he chairs Pacific Century Group, an Asia - based private investment group
with interests in technology, media and
financial services, among
others.
When consumers and the
financial industry do come on board, the Committee advises regulating it much like
other financial services products, like supervising bitcoin exchanges
with «requirements for business continuity planning,» and «a forum for fraud prevention and disclosure of bitcoin's risks and costs.»
Pageonce iPhone and BlackBerry apps Banks it works
with: America First Credit Union, Arvest, Bancorp South, BECU, FirstBank, Regions, South
Financial, SunTrust, Synovus, USAA and Wachovia What you'll like: Thousands of financial institutions and other online services like Netflix, Amazon and MySpace What you won't like: Can't pay bills or trans
Financial, SunTrust, Synovus, USAA and Wachovia What you'll like: Thousands of
financial institutions and other online services like Netflix, Amazon and MySpace What you won't like: Can't pay bills or trans
financial institutions and
other online
services like Netflix, Amazon and MySpace What you won't like: Can't pay bills or transfer money
Now, the Canadian
financial services company that offers unique ETFs and
other investment solutions has grown into a competitive leader in the Canadian market,
with approximately $ 6.5 billion in assets under management as of June 30.
, a vice-chairman on the House
Financial Services Committee, has sent a blistering letter to Federal Reserve Chair Yellen telling her in no uncertain terms to stop cooperating
with other central banks and insurance supervisors over global rules of conduct, at least until the new administration has given her a clear political line to follow.
Such risks, uncertainties and
other factors include, without limitation: (1) the effect of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including
financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand in construction and in both the commercial and defense segments of the aerospace industry, levels of air travel,
financial condition of commercial airlines, the impact of weather conditions and natural disasters and the
financial condition of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and
services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among
other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies in connection
with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection
with the pending Rockwell Collins acquisition; (5) future availability of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level of
other investing activities and uses of cash, including in connection
with the proposed acquisition of Rockwell; (7) delays and disruption in delivery of materials and
services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and
other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and
other contingencies; (13) pension plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of changes in political conditions in the U.S. and
other countries in which United Technologies and Rockwell Collins operate, including the effect of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among
other things import / export) and
other laws and regulations in the U.S. and
other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the
other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective
financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection
with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated
with third party contracts containing consent and / or
other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated
with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.
«I tell them, «If you are interviewing
other firms, ask them to give you the same [information] we can share
with you that assures you there will be no disruption in
service,»» said Carson, a certified
financial planner and the founder and CEO of Carson Wealth Management Group.
«He also worked very effectively
with others — he had to work
with government,
with the
financial service industry and
with international agencies and coordinate across economies to deal
with the waves that were going through in 2008 - 2009.
Every form of payment, electronic or not, ultimately needs to be integrated
with financial, logistical, customer
service and
other applications.
Important factors that could cause our actual results and
financial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully and profitably market our products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on For
financial condition to differ materially from those indicated in the forward - looking statements include, among
others, the following: our ability to successfully and profitably market our products and
services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services; the acceptance of our products and
services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services by patients and healthcare providers; our ability to meet demand for our products and
services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services; the willingness of health insurance companies and
other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from
other cancer screening and diagnostic products and
services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and
services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive
Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and
services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services; our ability to successfully develop new products and
services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply
with applicable regulations; and the
other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of
Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on For
Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form 10 - Q.
Such affiliations are cropping up among small banks all across the country, in part because they've got to compete not only
with bigger banks but
with credit - card companies and
other financial -
services organizations that offer this type of full -
service menu and are hungry for a share of the small - and midsize - business market.
Last May, Sears announced it was putting Craftsman, along
with other iconic brands like Kenmore and DieHard, as well as its Sears Home
Services repair business, up for sale, in an effort to sell off
other attractive assets to maintain
financial liquidity.
The company is similar to
other financial services in the sense that it attempts to communicate
with consumers in a more relaxed manner.
Businesses that rely on trucks and
other vehicles to provide products and
services to their customers can experience tangible
financial benefits
with GPS truck and vehicle tracking.
Like
other tech companies such as Amazon.com (AMZN), rumored to be considering a foray into checking accounts, Chime sees an opportunity in
financial services amid a shifting customer base and widespread dissatisfaction
with big bank
services.
Our HCM Division assisted our Compensation Committee in the Committee's review of compensation plans at
other financial services firms by providing the Committee
with information relating to compensation plan design and compensation levels for named executive officers and
other senior employees at these firms.
The currency called «Bilur» (Basque for «chain») was created by London - based
financial services company R FinTech to compete
with other industry leading cryptocurrencies like bitcoin.
In the MaRS C Suite,
financial technology
services teams from several institutions are collaborating
with each
other and
with ventures across our sectors to develop new technologies,» says Ilse Treurnicht, CEO of MaRS Discovery District.
We believe that these programs are similar to and competitive
with those offered at
other financial services companies
with which we compete for management and team members.
Canada managed the
financial storm of 2008 better than
others because we anticipated risks and acted proactively
with public policy foresight, responsible oversight of our
financial industry, and better decisions and performance by
financial service providers and our clients than was the case in
other countries.
Micah Hauptman,
financial services counsel
with the Consumer Federation of America, told ThinkAdvisor on Friday that the technical corrections DOL issued are «fixing typos and making
other minor clarifications for the avoidance of any doubt about the rule.»
In consulting
with financial services firms, Lynch says he's seen compliance cost range anywhere from more than $ 10 million to «
others getting it done for a fraction of that.»
«When there's success at one of the large
financial services firms or large plan sponsors, the plaintiffs» bar will utilize that settlement or judgment to obtain a very rapid resolution
with others,» says Hamburger.
By May 11, banks and
others in the
financial services industry will need to comply
with new customer due diligence rules.
In Colombia, the offer of each Fund is addressed to less than one hundred specifically identified investors, and such Fund may not be promoted or marketed in Colombia or to Colombian residents unless such promotion and marketing is made in compliance
with Decree 2555 of 2010 and
other applicable rules and regulations related to the promotion of foreign
financial and / or securities related products or
services in Colombia.
You could benefit from increased interest rates, better customer
service, or lower transaction fees for opening your Roth IRA
with a company you use for
other financial services.
In
other words, many people people
with a low level of assets under management are under -
serviced by human
financial advisers.
With a few exceptions, our business community is behind the curve in terms of taking advantage of Belt and Road opportunities — opportunities that extend well beyond physical infrastructure to the development of key social infrastructure projects, including education and the provision of medical, legal,
financial, and
other social and professional
services.
Detailed profiles created
with users» information can be used by government agencies to identify surveillance targets, by
financial service companies to determine creditworthiness, and by businesses and
other organizations (including advocacy groups and political campaigns), which can target people
with advertisements and marketing campaigns tailored to their profiles.
The information we collect and maintain about you is provided during the course of your entering into transactions
with private issuers who have engaged Genesis to provide certain
services in the context of a private securities, digital currency or
other financial asset transaction or trading through Genesis.
With the blockchain's ability to tear down
financial barriers, or at least redefine them, cross-border payments and
other services that require more processing time than domestic transactions could be sped up to match real - time speed.
on a pro forma basis, giving effect to (i) the automatic conversion of all of our outstanding shares of convertible preferred stock
other than Series FP preferred stock into shares of Class B common stock and the conversion of Series FP preferred stock into shares of Class C common stock in connection
with our initial public offering, (ii) stock - based compensation expense of approximately $ 1.1 billion associated
with outstanding RSUs subject to a performance condition for which the
service - based vesting condition was satisfied as of December 31, 2016 and which we will recognize on the effectiveness of our registration statement in connection
with a qualifying initial public offering, as further described in Note 1 to our consolidated
financial statements included elsewhere in this prospectus, (iii) the increase in accrued expenses and
other current liabilities and an equivalent decrease in additional paid - in capital of $ 187.2 million in connection
with the withholding tax obligations, based on $ 16.33 per share, which is the fair value of our common stock as of December 31, 2016, as we intend to issue shares of Class A common stock and Class B common stock on a net basis to satisfy the associated withholding tax obligations, (iv) the net issuance of 7.6 million shares of Class A common stock and 5.5 million shares of Class B common stock that will vest and be issued from the settlement of such RSUs, (v) the issuance of the CEO award, as described below, and (vi) the filing and effectiveness of our amended and restated certificate of incorporation which will be in effect on the completion of this offering.
Second, DOL «then offers an exemption from this far - reaching prohibition — known as the best interest contract exemption (or «BIC» exemption)-- but conditions it on
financial services firms and insurance institutions agreeing to subject themselves to fiduciary standards of conduct in contracts that they must enter into
with their customers, as well as a range of
other restrictions and requirements.»
In its circular, the RBI had said that
financial institutions and banks under its authority can no longer deal
with cryptocurrency exchanges and
other related
services.
«Lumping immediate annuities
with all the
other types is rather disingenuous,» said Wade Pfau, professor of retirement income at The American College of
Financial Services and director of retirement research at McLean Asset Management in McLean, Virginia.
The pro forma consolidated balance sheet data gives effect to (i) the automatic conversion of all of our outstanding shares of convertible preferred stock
other than Series FP preferred stock into shares of Class B common stock and the conversion of Series FP preferred stock into shares of Class C common stock in connection
with our initial public offering, (ii) stock - based compensation expense of approximately $ 1.1 billion associated
with outstanding RSUs subject to a performance condition for which the
service - based vesting condition was satisfied as of December 31, 2016 and which we will recognize on the effectiveness of our registration statement in connection
with this offering, as further described in Note 1 to our consolidated
financial statements included elsewhere in this prospectus, (iii) the increase in accrued expenses and
other current liabilities and an equivalent decrease in additional paid - in capital of $ 187.2 million in connection
with the withholding tax obligations, based on $ 16.33 per share, which is the fair value of our common stock as of December 31, 2016, as we intend to issue shares of Class A common stock and Class B common stock on a net basis to satisfy the associated withholding tax obligations, (iv) the net issuance of 7.6 million shares of Class A common stock and 5.5 million shares of Class B common stock that will vest and be issued from the settlement of such RSUs, (v) the issuance of the CEO award, as described below, and (vi) the filing and effectiveness of our amended and restated certificate of incorporation which will be in effect on the completion of this offering.
Of course debt growing faster than debt -
servicing capacity is unsustainable, so we will set as our first
financial sector target the point at which the two grow in line
with each
other.
With checking and savings account
services the unbanked will have the ability to apply for credit and
other kinds of
financial services.
This news release contains forward - looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 and Canadian securities laws, including statements regarding: BlackBerry's expectations regarding new product initiatives and timing, including the BlackBerry 10 platform; BlackBerry's plans and expectations regarding new
service offerings, and assumptions regarding its
service revenue model; BlackBerry's plans, strategies and objectives, and the anticipated opportunities and challenges in fiscal 2014; anticipated demand for, and BlackBerry's plans and expectations relating to, programs to drive sell - through of the company's BlackBerry 10 smartphones; BlackBerry's expectations regarding
financial results for the second quarter of fiscal 2014; BlackBerry's expectations
with respect to the sufficiency of its
financial resources; BlackBerry's ongoing efforts to streamline its operations and its expectations relating to the benefits of its Cost Optimization and Resource Efficiency («CORE») program and similar strategies; BlackBerry's plans and expectations regarding marketing and promotional programs; and BlackBerry's estimates of purchase obligations and
other contractual commitments.
There is also an opportunity to connect Canadian businesses
with new and like - minded partners in APEC economies such as Vietnam, where Canadian companies will find opportunities in sectors such as agri - food, education and training, information and communication technologies (ICT), clean tech and
financial technology, as well as
other services.
Quicken Loans doesn't offer any banking or investing
services so you can't bundle your mortgage
with other financial accounts you have
Revolut Platinum will provider cardholders
with a bespoke contactless stainless steel metal card coated in a «custom shade of metallic black paint for a truly unique look,» and Revolut Wealth, an expansion of Revolut's
services that will allow the platform's users to invest their funds in stocks, index, ETFs, and
other financial instruments.
Important factors that may affect the Company's business and operations and that may cause actual results to differ materially from those in the forward - looking statements include, but are not limited to, operating in a highly competitive industry; changes in the retail landscape or the loss of key retail customers; the Company's ability to maintain, extend and expand its reputation and brand image; the impacts of the Company's international operations; the Company's ability to leverage its brand value; the Company's ability to predict, identify and interpret changes in consumer preferences and demand; the Company's ability to drive revenue growth in its key product categories, increase its market share, or add products; an impairment of the carrying value of goodwill or
other indefinite - lived intangible assets; volatility in commodity, energy and
other input costs; changes in the Company's management team or
other key personnel; the Company's ability to realize the anticipated benefits from its cost savings initiatives; changes in relationships
with significant customers and suppliers; the execution of the Company's international expansion strategy; tax law changes or interpretations; legal claims or
other regulatory enforcement actions; product recalls or product liability claims; unanticipated business disruptions; the Company's ability to complete or realize the benefits from potential and completed acquisitions, alliances, divestitures or joint ventures; economic and political conditions in the United States and in various
other nations in which we operate; the volatility of capital markets; increased pension, labor and people - related expenses; volatility in the market value of all or a portion of the derivatives we use; exchange rate fluctuations; risks associated
with information technology and systems, including
service interruptions, misappropriation of data or breaches of security; the Company's ability to protect intellectual property rights; impacts of natural events in the locations in which we or the Company's customers, suppliers or regulators operate; the Company's indebtedness and ability to pay such indebtedness; the Company's ownership structure; the impact of future sales of its common stock in the public markets; the Company's ability to continue to pay a regular dividend; changes in laws and regulations; restatements of the Company's consolidated
financial statements; and
other factors.