text: **RISKS DUE TO LEGAL AND REGULATORY FACTORS**
  
  **We are subject to certain laws, litigation, regulatory matters and ethical standards, and our failure to comply with or adequately**
  **address developments as they arise could adversely affect our reputation and operations.**
  Our policies, procedures and practices and the technology we implement are designed to comply with federal, state, local and foreign laws, 
  rules and regulations, including those imposed by the SEC and other regulatory agencies, the marketplace, the banking industry and foreign 
  countries, as well as responsible business, social and environmental practices, all of which may change from time to time. Significant 
  legislative changes, including those that relate to employment matters and health care reform, could impact our relationship with our 
  workforce, which could increase our expenses and adversely affect our operations. In addition, if we fail to comply with applicable laws and 
  regulations or implement responsible business, social, environmental and supply chain practices, we could be subject to damage to our 
  reputation, class action lawsuits, legal and settlement costs, civil and criminal liability, increased cost of regulatory compliance, restatements 
  of our financial statements, disruption of our business and loss of customers. Any required changes to our employment practices could result 
  in the loss of employees, reduced sales, increased employment costs, low employee morale and harm to our business and results of 
  operations. In addition, political and economic factors could lead to unfavorable changes in federal, state and foreign tax laws, which may 
  increase our tax liabilities. An increase in our tax liabilities could adversely affect our results of operations. We are also regularly involved in 
  various litigation matters that arise in the ordinary course of business. Litigation or regulatory developments could adversely affect our 
  business and financial condition. 