text: • compliance with debt covenants, availability and cost of credit, changes in interest rates, and trends in debt repayment patterns, 
  personal bankruptcies and bad debt write-offs, and 
  • the timing and amounts of share repurchases by the company, if any, or any share issuances by the company, including issuances 
  associated with option exercises or other matters. 
  
  These and other factors, including those factors described in Item 1A: Risk Factors, could affect our financial results and cause actual results 
  to differ materially from any forward-looking information we may provide. We undertake no obligation to update or revise any forward-looking 
  statements to reflect subsequent events, new information or future circumstances. 
  
  **SEC FILINGS**
  We file annual, quarterly and current reports, proxy statements and other documents with the Securities and Exchange Commission (“SEC”). 
  All material we file with the SEC is publicly available at the SEC’s Public Reference Room at 100 F Street NE, Washington, DC 20549. You 
  may obtain information on the operation of the Public Reference Room by calling the SEC at 1-800-SEC-0330. In addition, the SEC 
  maintains a website at www.sec.gov that contains reports, proxy and information statements and other information regarding issuers that file 
  electronically with the SEC. 