These statements relate only to the date on which they are made and are subject to risks and uncertainties that may cause the company`s actual results to differ materially. The main risks and uncertainties are: (i) the risk that the transaction will not be completed or will not be concluded within the expected time frame; (ii) the risk that cardholders will transfer their existing assets more quickly than expected; and (iii) the risks described in point 1A of the company`s Form 10-K for the year ended January 28, 2012 and Form 10-Q for the quarter of operations ended July 28, 2012. This search method applies to all credit card agreements as of the last quarterly collection of CFPB credit card contracts. To access all agreements from recent or previous periods, please click on the contractual link below. .