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Table of Contents
Failure to comply with federal, state or international privacy laws or regulations, or the expansion of current or the enactment of new privacy
laws or regulations, could adversely affect our business.











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


Any restructuring actions and cost reduction initiatives that we undertake may not deliver the expected results and these actions may adversely
affect our business operations.
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



The terms of our new revolving credit facility contain restrictive covenants which limit our business and financing activities.
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

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

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