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101,614
0
108516/108516_10K_2014.htm
20
Significant reductions insales to any of the Detroit Three automakers could have a negative impact on our business.
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0
1086600/1086600_10K_2014.htm
86
The permitting rules are complex and can change over time.
102,469
0
1086600/1086600_10K_2014.htm
91
It is possible that states in which our coal is transported by truck may modify or increase enforcement of their laws regarding weight limits or coal trucks on public roads.
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111
We use significant amounts of steel, petroleum products and other raw materials in various pieces of mining equipment, supplies and materials, including the roof bolts
102,556
0
1086600/1086600_10K_2014.htm
119
These bonds are typically renewable on a yearly basis.
102,608
0
1086600/1086600_10K_2014.htm
137
Furthermore, a substantial portion of the amount realized, whether or not representing gain, may be taxed as ordinary income to you due to potential recapture items, including depreciation and depletion recapture.
102,691
0
1086745/1086745_10K_2014.htm
9
Adjustments are reflectedin contract revenue for the fiscal period affected by these revised estimates.
102,748
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1086745/1086745_10K_2014.htm
29
• fluctuations in demand for outsourcedcontracting services;.
103,110
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1087294/1087294_10K_2014.htm
93
On September 30, 2013, the United States District Court for the District of Columbia filed an opinion granting a Summary Judgment in favor of the FDA regarding Cumberland’s November 13, 2012 suit.
103,113
0
1087294/1087294_10K_2014.htm
94
The claims of the 061 Acetadote Patent encompass the use of the 200 mg/ml Acetadote formulation to
103,773
0
1087456/1087456_10K_2014.htm
3
United Bancshares, Inc.’s commonstock has traded on the NASDAQ Global Market under the symbol “UBOH” since March 2001.
103,927
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1087456/1087456_10K_2014.htm
56
Interest     Average
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1087456/1087456_10K_2014.htm
59
Interest     Average
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0
1087456/1087456_10K_2014.htm
62
Interest     Average
104,022
0
1087456/1087456_10K_2014.htm
104
The 2010 loan charge-offs included nine commercial or agricultural credits, with the largestindividual charge-off being $585,000.
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1087456/1087456_10K_2014.htm
143
Changes in accounting standards couldimpact the Corporation’s reported earnings.
104,220
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185
The Corporation’sStock Price Can Be Volatile
104,233
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1087456/1087456_10K_2014.htm
194
The Earnings ofFinancial Services Companies are significantly affected by General Business and Economic Conditions
104,980
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1089511/1089511_10K_2014.htm
17
We define the access networkas the connection from the end user location – either a home or a business – to the first aggregation point in the network.
105,043
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1089511/1089511_10K_2014.htm
41
The successfuloperation and growth of our businesses depends on economic conditions in Alaska.
105,204
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1089511/1089511_10K_2014.htm
106
LocationSpecific Risk
105,294
0
1089531/1089531_10K_2014.htm
30
We purchase large volumes of precious metalsand store significant quantities of raw materials and jewelry products at our warehouse and show room in Wuhan, China.
105,367
0
1089531/1089531_10K_2014.htm
56
Our operating affiliate, Wuhan Kingold, canonly conduct business within its business scope, as detailed on its business license.
105,406
0
1089531/1089531_10K_2014.htm
67
However, the application of this PRC regulation remains unclear with no consensus currently existing among the leadingPRC law firms regarding the scope and applicability of the CSRC approval requirement.
105,512
0
1089531/1089531_10K_2014.htm
102
The VIE Agreements are governed by the PRClaw and provide for the resolution of disputes through court proceedings pursuant to PRC law.
105,526
0
1089531/1089531_10K_2014.htm
106
There could be conflicts that arise from time to time betweenour interests and the interests of Mr. Jia.
105,563
0
1089531/1089531_10K_2014.htm
121
The closingprice on March 30, 2015 was $1.07 per share.
105,639
0
108985/108985_10K_2014.htm
10
Furthermore, freezing weather may also contribute to water transmission interruptions caused by pipe and main breakage.
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108985/108985_10K_2014.htm
24
Their evaluations are based on a number of factors, which include financial strength as well as transparency with rating agencies and timeliness of financial reporting.
105,827
0
1089872/1089872_10K_2014.htm
30
These systems assist in processing orders, managinginventory, purchasing and shipping merchandise on a timely basis, responding to customer service inquiries, and gathering and analyzing operating data by business segment, customer, and stock keeping unit (a specific identifier for each differentproduct).
105,930
0
1090009/1090009_10K_2014.htm
16
Some competitors have moreaggressive marketing campaigns and better brand recognition, and are able tooffer more services, more favorable pricing or greater customer convenience thanthe Bank.
106,117
0
1090009/1090009_10K_2014.htm
73
There are also new risk weights for unsettledtransactions and derivatives.
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102
Our governing documents:.
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1090012/1090012_10K_2014.htm
9
•   fires, explosions, blowouts and surface cratering;.
106,265
0
1090012/1090012_10K_2014.htm
12
Strong competition exists in all sectors of the oil and gas industry.
106,323
0
1090012/1090012_10K_2014.htm
24
These laws and regulations may, among other things, impose liability on us for the cost of pollution clean-upresulting from our operations in affected areas.
106,870
0
1090727/1090727_10K_2014.htm
5
Competition may also come from other sources in the future.
106,886
0
1090727/1090727_10K_2014.htm
10
The impact of new laws, regulations and policies cannot be predicted.
107,383
0
1091667/1091667_10K_2014.htm
26
Fiber-to-the-node networks can provide faster Internet speeds than conventional DSL, but still cannot typically match our Internet speeds.
107,472
0
1091667/1091667_10K_2014.htm
50
Federal tax net operating loss carryforwards expire in the years 2020 through
107,669
0
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117
• copyright royalties for retransmitting broadcast signals;.
107,683
0
1091667/1091667_10K_2014.htm
118
In response to recent global data breaches, malicious activity and cyber threats, as well as the general increasing concerns regarding the protection of consumers’ personal information, Congress and various federal agencies are also considering the adoption of new data security and cybersecurity legislation and regulat...
107,752
0
1091667/1091667_10K_2014.htm
141
Cable operators also face significant regulation of their video channel carriage.
107,833
0
1091748/1091748_10K_2014.htm
27
Demand for reinsurance depends on numerous factors, including the frequency and severity of catastrophic events, levels of capacity, introduction of new capital providers, general economic conditions and underwriting results of primary insurers.
107,835
0
1091748/1091748_10K_2014.htm
27
All of these factors fluctuate and may contribute to price declines generally in the reinsurance industry.
107,899
0
1091748/1091748_10K_2014.htm
46
Some examples are coastal management, infrastructure, buildings, water, food and energy supply, land-planning, health and rescue preparedness.
108,039
0
1091748/1091748_10K_2014.htm
92
Generally the fair value of fixed maturity securities decreases as interest rates increase.
108,201
0
1091748/1091748_10K_2014.htm
151
All of our insurance and reinsurance subsidiaries, except for our two unrated companies, have a Financial Strength Rating of “A” (Excellent) (3rd highest rating out of 16 rating classifications) with a stable outlook from A.M Best.
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0
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175
Argo Group International Holdings, Ltd
108,290
0
1091748/1091748_10K_2014.htm
188
Argo Global Syndicate 1200 would be adversely affected if Lloyd’s current ratings were downgraded.
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0
109177/109177_10K_2014.htm
55
Also see Part I, Item IA.
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0
109177/109177_10K_2014.htm
91
Business activity across a wide range of industries and regions in the U.S. was greatly reduced.
108,741
0
109177/109177_10K_2014.htm
95
As of November 2, 2015, we had 201,397,256 shares of our common stock outstanding.
108,816
0
109177/109177_10K_2014.htm
120
HRG owns a majority of the outstanding shares of the common stock of Spectrum Brands.
108,830
0
109177/109177_10K_2014.htm
122
In the global auto care business, Spectrum Brands’ primary competitors are Valvoline, Prestone, Turtle Wax, Black Magic and Store brands.
108,887
0
109177/109177_10K_2014.htm
136
In addition, for certain of the principal raw materials Spectrum Brands uses to produce its products, such as electrolytic manganese dioxide powder, there are no available effective hedging markets.
109,111
0
109177/109177_10K_2014.htm
200
• reorganization or closures of facilities.
109,360
0
109177/109177_10K_2014.htm
269
With the capital resources of CCIB behind Wilton Re, FGL believes the counterparty risk is low.
109,517
0
109177/109177_10K_2014.htm
312
Neither the action of the domiciliary state nor action of the NAIC is binding on a state.
109,639
0
109177/109177_10K_2014.htm
353
Front Street faces significant competition from other reinsurance providers.
109,772
0
109177/109177_10K_2014.htm
385
Additionally, seismic and other technology will not allow Compass to know conclusively prior to drilling a well that oil or natural gas is present or economically producible.
109,822
0
109177/109177_10K_2014.htm
397
Any significant variance in our assumptions could materially affect the quantity and value of reserves, or the amount of PV-10 and Standardized Measure
109,873
0
109177/109177_10K_2014.htm
414
Federal, state and regional initiatives to reduce GHG emissions may adversely affect Compass’ operations.
109,876
1
109177/109177_10K_2014.htm
414
In addition, the EPA requires certain petroleum and natural gas sources to monitor, document and annually report their GHG emissions.
109,915
0
109177/109177_10K_2014.htm
425
Compass operates in a litigious environment.
110,508
0
1092289/1092289_10K_2014.htm
110
• political conditions in oil and natural gas producing regions;.
110,558
0
1092699/1092699_10K_2014.htm
10
Our revenues depend significantly on general economic conditions and the healthof retailers.
111,302
0
1093691/1093691_10K_2014.htm
15
Historically, shipments made against these orders have generally occurred between ninety days and twenty-four months from thedate of acceptance of the order.
111,307
0
1093691/1093691_10K_2014.htm
15
If the redesigns ormodifications are not completed, some or all of our orders may not ship or convert to revenue.
111,429
0
1093691/1093691_10K_2014.htm
52
If securities or industry analysts do not publish, or cease publishing, research or reports aboutus, our business or our market, or if they change their recommendations regarding our stock adversely, our stock price and trading volume could decline.
111,455
0
1093691/1093691_10K_2014.htm
61
We are currently required to have ourauditors attest to the effectiveness of our internal control overfinancial reporting.
111,542
0
109380/109380_10K_2014.htm
9
Failure to effectively manage our interest rate risk could adversely affect us.
111,623
0
109380/109380_10K_2014.htm
33
In order to receive a “non-objection” from the Federal Reserve to its capital plan, it must pass both the Federal Reserve’s quantitatively modeled stress capital and a qualitative examination of its CCAR submission and capital plan.
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1094392/1094392_10K_2014.htm
64
• engage, train and manage a larger sales force and additional service personnel;.
112,153
0
1094739/1094739_10K_2014.htm
27
• difficulties in reallocating engineering resources and overcoming resource limitations; and.
112,236
0
1094739/1094739_10K_2014.htm
49
Although we price our products in U.S. dollars, portions of both our cost of revenues and operating expenses are incurred in foreign currencies, principally the Malaysian ringgit, the Chinese yuan, the Australian dollar, the Israeli shekel, the Swedish krona, and the Euro.
112,359
0
1094739/1094739_10K_2014.htm
80
We also have been named as a nominal defendant in several shareholder derivative lawsuits filed in 2011 concerning our March 8, 2011 earnings announcement.
112,600
0
1094810/1094810_10K_2014.htm
52
The Bank and the Company are subject to extensive regulation, supervisionand examination by federal and state regulators, which has extensive discretion in connection with its supervisory and enforcementactivities, including the ability to impose restrictions on a bank’s operations, reclassify assets, determine the ade...
112,985
0
1094831/1094831_10K_2014.htm
92
As such, we could lose investor confidence inthe accuracy and completeness of our financial reports, which may have a material adverse effect on our stock price.
113,056
0
1094831/1094831_10K_2014.htm
120
These broker-dealers are subject to SEC, FINRA, CFTC and NFA net capital requirements.
113,200
0
1094831/1094831_10K_2014.htm
165
•   less developed automation in exchanges, depositories and national clearing systems;.
113,285
0
1094831/1094831_10K_2014.htm
191
Inaddition, reduced trading levels could lead to lower revenues which could materially adversely affect our businesses, financial condition, results of operations and prospects.
114,072
0
1095565/1095565_10K_2014.htm
28
Subscriptions of ICD-10 training courseware positively influenced the Company’s revenue andoperating income during 2013 and 2014, and are expected to do the same during 2015.
114,386
0
1095651/1095651_10K_2014.htm
47
A significant number of our properties are located in major urban areas which, in recent years,
114,548
0
1095981/1095981_10K_2014.htm
13
Subsequently we regained compliance with this listing rule and the matter was closed by Nasdaq.
114,551
0
1095981/1095981_10K_2014.htm
14
Subsequently we regained compliance with this listing rule and the matter was closed by Nasdaq.
115,417
0
1098151/1098151_10K_2014.htm
40
The Company continually encounters technological change.
115,570
0
1098972/1098972_10K_2014.htm
14
• cross-defaults in respect of indebtedness over $50,000; and.
116,198
0
1099160/1099160_10K_2014.htm
11
smart phones, tablets);.
116,411
0
1099219/1099219_10K_2014.htm
22
An increase in market interest rates could also have a material adverse effect on the value of our investment portfolio, for example, by decreasing the estimated fair values of the fixed income securities that comprise a substantial portion of our investment portfolio.
116,515
0
1099219/1099219_10K_2014.htm
56
See “Management’s Discussion and Analysis of Financial Condition and Results of Operations — Industry Trends — Mortgage and Foreclosure-Related Exposures.”
116,543
0
1099219/1099219_10K_2014.htm
65
To this end, the IAIS devised and published a methodology to assess the systemic relevance of global insurers and a framework of policy measures to be applied to G-SIIs.
116,767
0
1099219/1099219_10K_2014.htm
126
Financial strength ratings are published by various Nationally Recognized Statistical Rating Organizations (“NRSRO”) and similar entities not formally recognized as NRSROs.
116,772
0
1099219/1099219_10K_2014.htm
127
• adversely affecting our relationships with our sales force and independent sales intermediaries;.
117,333
0
1099590/1099590_10K_2014.htm
59
In addition, certain consumer “fads” may temporarily inflate the volume of certaintypes of items listed on the MercadoLibre Marketplace, placing a significant strain on our infrastructure and transaction capacity.
117,441
0
1099590/1099590_10K_2014.htm
92
Senders funded approximately 79.0%, 79.5% and 76.6% of MercadoPago’s payment volume using credit cards during 2014, 2013 and 2012, respectively (either in a single payment or in installments), and MercadoPago’sfinancial success will remain highly sensitive to changes in the rate at which its senders fund payments using...
117,465
0
1099590/1099590_10K_2014.htm
100
A rise in our Shipping costs may negatively affect our MercadoEnvios Shipping transactionvolume.
117,558
0
1099590/1099590_10K_2014.htm
131
In connection with our payment solution, our direct competitors include international online payments servicessuch as PayPal and Google Checkout, and local online payment services such as DineroMail in Argentina, Chile, Colombia and Mexico, and Bcash, PagSeguro and MOIP in Brazil; money remitters such as Western Union.
117,576
0
1099590/1099590_10K_2014.htm
137
The political and economic conditions in Venezuela are very unstable, with economy consideredhyperinflationary under U.S. GAAP since 2010.
117,588
0
1099590/1099590_10K_2014.htm
140
On January 8, 2010, the Venezuelan government announced that the fixed official rate of 2.15 “Bolivares Fuertes” per U.S. dollar would be changed to adual system that included a rate of 2.6 Bolivares Fuertes per U.S. dollar for food and heavy machine importers and a rate of 4.3 Bolivares Fuertes per U.S. dollar for all...