DFS Annual Report

Available Information The Company maintains a website at www.dfsco.com where the Company’s Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports on Form 8-K and all amendments to those reports, as well as other SEC filings, are available without charge, as soon as reasonably practicable following the time they are filed with, or furnished to, the SEC. The Principles of Corporate Governance of the Company’s Board of Directors, the charters of the Audit, Compensation, Corporate Responsibility & Governance Committees of the Board of Directors and the Company’s Principles of Ethical Business Conduct are also available on the Investor Relations portion of the Company’s website, and will be provided, free of charge, to any shareholder who requests a copy. References to the Company’s website address do not constitute incorporation by reference of the information contained on the website, and the information contained on the website is not part of or incorporated by reference in this document. Special Note Regarding Forward-Looking Statements The Company has made forward-looking statements in this Annual Report on Form 10-K within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995 that are subject to risks and uncertainties. These statements are based on the beliefs and assumptions of the Company. Generally, forward-looking statements include information concerning possible or assumed future actions, events, or results of operations of the Company. These statements may include words such as “anticipates,” “estimates,” “expects,” “projects,” “forecasts,” “intends,” “plans,” “continues,” “believes,” “may,” “will,” “goals” and variations of such words and similar expressions are intended to identify our forward-looking statements. Forward-looking statements are not guarantees of performance. These forward-looking statements are subject to a number of important factors, including those factors discussed in detail in “ Item 1A: Risk Factors ” and elsewhere in this Annual Report on Form 10-K, that could cause our actual results to differ materially from those indicated in any such forward-looking statements. These factors include, but are not limited to: • the volatility of the global economy and financial markets, and its impact on transactional volume; • failure to offer high quality customer support and services; • the retention of existing, and continued attraction of additional clients and key employees; • the growth of new technologies with which we may be able to adequately compete; • our inability to maintain client referrals; • vulnerability to adverse events as a result of becoming a stand-alone company following the Separation from RRD, including the inability to obtain as favorable of terms from third-party vendors; • the competitive market for our products and industry fragmentation affecting our prices; • the ability to gain client acceptance of our new products and technologies; • delay in market acceptance of our products and services due to undetected errors or failures found in our products and services; • failure to maintain the confidentiality, integrity and availability of our systems, software and solutions; • failure to properly use and protect client and employee information and data; • the effect of a material breach of security or other performance issues of any of our or our vendors’ systems; • factors that affect client demand, including changes in economic conditions, national or international regulations and clients’ budgetary constraints; • our ability to access debt and the capital markets due to adverse credit market conditions; • the effect of increasing costs of providing healthcare and other benefits to our employees • changes in the availability or costs of key materials (such as ink and paper) or in prices received for the sale of by- products; • failure to protect our proprietary technology; • failure to successfully integrate acquired businesses into our business; 8