be impacted by the financial health of third parties,
• our ability to manage the transformation of our business/financial model as we increase our investments in growth opportunities, 
including our online business and our ability to manage related organizational changes, 
• our ability to maintain relationships with our employees and to effectively attract, develop and retain our future leaders,
• effective inventory management, disruptions in our supply chain and our ability to control costs,
• the impact of any systems failures, cybersecurity and/or security breaches, including any security breach of our systems or those of a 
third-party provider that results in the theft, transfer or unauthorized disclosure of customer, employee or company information or 
compliance with information security and privacy laws and regulations in the event of such an incident,
• successful execution of our information technology strategy,
• our ability to effectively utilize data in strategic planning and decision making, 
• efficient and proper allocation of our capital resources,
• reviewing of options and structure for a financial partner in regards to a potential transaction related to our credit card receivables,
• our ability to safeguard our reputation and maintain our vendor relationships,
• the impact of economic and market conditions and the resultant impact on consumer spending patterns,
• our ability to respond to the business environment, fashion trends and consumer preferences, including changing expectations of 
service and experience in stores and online,
• the effectiveness of planned advertising, marketing and promotional campaigns in the highly competitive retail industry,
• weather conditions, natural disasters, health hazards, national security or other market disruptions, or the prospects of these events 
and the resulting impact on consumer spending patterns,
• our compliance with applicable banking-related laws and regulations impacting our ability to extend credit to our customers, 
employment laws and regulations, certain international laws and regulations, other laws and regulations applicable to us, including 
the outcome of claims and litigation and resolution of tax matters, and ethical standards,
• impact of the current regulatory environment and financial system and health care reforms,