text: **Our customer and employee relationships could be negatively affected if we fail to maintain our corporate culture and reputation.**
  We have a well-recognized culture and reputation that consumers may associate with a high level of integrity, customer service and quality 
  merchandise, and it is one of the reasons customers shop with us and employees choose us as a place of employment. Any significant 
  damage to our reputation could negatively impact sales, diminish customer trust, reduce employee morale and productivity and lead to 
  difficulties in recruiting and retaining qualified employees. 
  
  **The potential transaction related to our credit card receivables could adversely impact our business.**
  In May 2014, we announced that we are reviewing options for a financial partner for our credit card receivables. This review may not result in 
  a consummated transaction, and further, could divert management’s attention away from our core Retail business, negatively impacting our 
  execution on our customer strategy. If we do not successfully execute a transaction that meets our needs or fail to properly allocate our 
  capital to maximize returns, our operations, cash flows and returns to shareholders could be adversely affected. Additionally, credit rating 
  agencies may downgrade our business, which could adversely impact our operations and cash flows. Although we do not expect any change 
  to the customer experience following a transaction, if such a transaction negatively impacts the customer service associated with our credit 
  cards, this could harm our business and reputation, harming our competitive position. 