Company: IMXI
Filing Date: 2025-11-05
Form Type: DEFM14A
Source: 0001140361-25-040538
Chunk: 87

Company: International Money Express, Inc.
Filing Date: 2025-11-05
Form: DEFM14A
Chunk 87
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 which provides certainty of value and immediate liquidity to our stockholders and does not expose them to any future risks related to the continued operation of Intermex’s business or the financial markets generally, in each case upon and assuming closing of the Merger. |

| • | Risks Associated with Continued Independence. The Board of Directors and Strategic Alternatives Committee considered the risks associated with continued independence, including risks associated with: |

| ○ | changes in immigration laws and their enforcement, including any adverse effects on the level of immigrant employment, earning potential, willingness or ability to engage in money sending activities and other commercial activities; |

| ○ | the likely shift over time from a retail model to a digital services model, and the impact on our results of operations of significant expenses necessary to expand, improve and develop our digital services and infrastructure and to acquire additional customers for our digital services, as well as our success in profitably increasing our revenues from such digital products and services; |

| ○ | operating in a highly competitive industry undergoing a shift to digital transaction origination, where some of our competitors have larger market shares, more established customer bases and substantially greater financial, marketing and other resources than we have; |

| ○ | operating in a rapidly changing competitive landscape in the payments industry, which includes new technology or competitors that disrupt the current money transfer and payment ecosystem, such as the introduction of new digital platforms, and Intermex’s lack of any significant competitive advantage in the digital sector; |

| ○ | operating in a highly regulated industry, including with respect to laws and regulations intended to prevent consumer fraud, money laundering and terrorism financing, the high ongoing compliance costs associated with operating in such industry, and the possibility of litigation or investigations involving us or our agents; |

| ○ | our reliance on markets; |

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| ○ | economic factors such as the impact of inflation on our consumers, uncertainty in the underlying economic outlook, particularly for industries in which our consumers are employed, the effects of trade policies, recession risks and labor market conditions, as well as volatility in market interest rates; |

| ○ | changes in tax laws in the United States and other countries in which we operate, including the imposition of taxes on certain types of remittances beginning in 2026; |

| ○ | international political factors, including political instability, tariffs, including the effects of tariffs on domestic markets and industrial activity and employment, border taxes or restrictions on remittances or transfers from the outbound countries in