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                                                                    Exhibit 99.1

RISK FACTORS AND CAUTIONARY STATEMENTS

When used in this Annual Report on Form 10-K and in future filings by the
Company with the Securities and Exchange Commission, in our press releases,
letters and reports to stockholders and in oral statements made by our
representatives, the words or phrases "should result," "are expected to,"
"targeted," "will continue," "will approximate," "is anticipated," "estimate,"
"project" or similar expressions are intended to identify "forward-looking
statements" within the meaning of the Private Securities Litigation Reform Act
of 1995. These statements are necessarily subject to certain risks and
uncertainties, including those discussed below, that could cause our actual
results to differ materially from our historical experience and our present
expectations or projections. Caution should be taken not to place undue reliance
on any such forward-looking statements, which speak only as of the date made.
The factors listed below could affect our financial performance and could cause
our actual results for future periods to differ from any opinions or statements
expressed with respect thereto. Such differences could be material and adverse.
We will not undertake and specifically decline any obligation to publicly
release the result of any revisions that may be made to any forward-looking
statements to reflect events or circumstances occurring after the date of such
statements or to reflect the occurrence of anticipated or unanticipated events.

WE ARE UNABLE TO PREDICT THE RESULTS OF THE INVESTIGATION WITH THE SEC.

We are currently the subject of an investigation by the Securities and Exchange
Commission (the SEC). In the course of its investigation, the SEC staff has
sought from us various documents and information concerning the financial
results and transactions that were the subject of restatement by us in March and
December 2002. In January 2003, the SEC staff received a formal order of
investigation, which empowers it to issue subpoenas to us and to third parties.
We have been cooperating fully with the SEC staff and intend to continue to do
so. We may, however, be the subject of additional inquiries or become subject to
a fine or other remedies. We also have incurred, and may continue to incur,
significant legal expenses in connection with the investigation.

Our company and our current and former chief executive and chief financial
officers are defendants in three federal securities actions filed in November
and December 2002 in the U.S. District Court for the Eastern District of
Wisconsin (the Federal Securities Actions). The complaints in these actions are
substantially identical and allege, among other things, that during the period
from February 2, 2001 to October 24, 2002 the defendants made false and
misleading statements and omissions of material facts and that the plaintiffs
and other members of a putative class of shareholders suffered damages as a
result. The defendants in the Federal Securities Actions have moved to have the
actions transferred to the District of Arizona and also have moved to dismiss
the actions on various grounds. These motions are pending before the Court. Also
pending before the Court is a motion by one of the plaintiffs to consolidate the
three actions, for his appointment as class representative and for his selection
of lead counsel.

We are also a nominal defendant in two substantially identical shareholder
derivative actions filed in the Superior Court of Arizona, Maricopa County in
January 2003 (the Shareholders Derivative Actions). The complaints allege, among
other things, that certain of our current and former directors named in the
complaints as defendants, breached their fiduciary duties to the Company in
connection with certain alleged issues involving the Company's accounting
practices and internal controls. The Complaint also names as a defendant the
Company's external auditor. The parties in the Shareholder Derivative Actions
have jointly moved to stay the proceedings, pending the resolution of the
motions to dismiss the Federal Securities Actions. The Court has yet to rule on
that request.

We believe the Federal Securities and Shareholder Derivative Actions are without
merit and intend to vigorously defend ourselves. However, we cannot predict with
certainty the outcome of these actions. We are likely to incur significant legal
expense in connection with the defense of these claims. In addition, if we are
not successful in our efforts to seek dismissal of these actions, we could incur
substantial other expenses.

ESTIMATES OF FUTURE FINANCIAL RESULTS ARE INHERENTLY UNRELIABLE.

From time to time, our representatives may make public predictions or forecasts
regarding the Company's future results, including estimates regarding future
revenues, expense levels, tax rates, capital expenditures, earnings or earnings
from operations. Any forecast regarding our future performance reflects various
assumptions. These assumptions are subject to significant uncertainties, and, as
a matter of course, many of them will prove to be incorrect. Further, the
achievement of any forecast depends on numerous factors, including the
considerations specific to our business that are outlined in this discussion as
well as general economic and geopolitical trends that can adversely affect the
market for our products and services. Many of the factors that can adversely
affect our business are beyond our control. As a result, there can be no
assurance that our performance will be consistent with any management forecasts
or that the variation from such forecasts will not be material and adverse.
Investors are cautioned not to base their entire analysis of

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our business and prospects upon isolated predictions, but instead are encouraged
to utilize the entire available mix of historical and forward-looking
information made available by us, and other information relating to our Company
and its products, when evaluating our prospective results of operations.

CONSOLIDATION IN THE INDUSTRIES WE SERVE MAY ADVERSELY AFFECT OUR ABILITY TO
SELL OUR PRODUCTS AND SERVICES.

Mergers, acquisitions and personnel changes at financial institutions and
electronic funds transfer networks may adversely affect our business, financial
condition and results of operations. Currently, the banking and EFT industries
are consolidating, causing the number of financial institutions and processing
networks to decline. This consolidation could cause us to lose:

-  current and potential customers;

-  market share if the combined entity determines that it is more efficient to
    develop in-house products and services similar to ours or use our
    competitors' product and services; and

-  revenue if the combined institution is able to negotiate a greater volume
    discount for, or discontinue the use of, our products and services.

For example, one of the larger customers of our electronic payments business,
the STAR network, was purchased by one of our competitors, Concord EFS during
2001. We do not expect to realize material revenues from STAR in the future.

OUR ACQUISITION OF ATM MANAGEMENT COMPANIES MAY NOT BE SUCCESSFUL.

Since October 2001, we have been acquiring independent ATM management companies
and we now operate the largest network of off-premise ATMs in North America. For
the year ended December 31, 2002, this business segment contributed revenues of
$115.6 million, or 21.3% of our total revenues, at an operating margin of 2.4%.

Our ability to improve the margins of this business will require us to
effectively integrate the operations of acquired businesses into our
organization, efficiently manage the deployment of the ATMs and generate
additional sources of revenue from the installed ATM base and the sale of new
machines. A key component of our integration efforts is the migration of the
processing of the transactions generated at our ATMs from third parties to our
own data centers. We provide the processing for 10,300 of the 15,400 ATMs we
have deployed in the United States and we plan to convert approximately 3,000 of
the remaining machines by the end of 2003. Processing for the approximately
2,100 remaining U.S. ATMs will be transitioned to our networks as existing
contractual commitments expire or as the economics associated with accelerated
contract cancellations makes it logical to do so. We do not, however, expect to
convert the 1,400 ATMs we manage in Canada to our networks for a substantial
period of time, if at all. All of the conversions require a degree of
cooperation from existing third-party processors and so no assurance can be
given that we will be successful in our conversion efforts.

We expect improvement in our ATM business to come from four major sources: (i)
reduced operating costs through the integration of sales, marketing, operations
and facilities, (ii) the elimination of third party processing fees by migrating
the processing of ATM transactions to our data centers, (iii) the redeployment
of under-performing or idle ATMs and (iv) additional revenues from branding and
other value-added services. If we are not successful in our effort to improve
the revenues and profitability of our ATM business, our future results of
operations will be adversely affected. In addition, the expansion of the
installed base of ATMs may require the application of increased amounts of cash
to keep the machines appropriately supplied with cash for withdrawal by
consumers.

Our ability to expand through acquisitions, including through our acquisition of
ATM providers, involves many other risks, including:

-  the operations, technology and personnel of any acquired companies may be
    difficult to integrate;

-  the allocation of management resources to consummate these transactions may
    disrupt our day to day business;

-  acquired businesses may not achieve anticipated revenues, earnings or cash
    flow. Such a shortfall could require us to write-down the goodwill
    associated with any acquired company, which would adversely affect our
    reported earnings.

In addition, regulations are currently being considered regarding the
application of the Americans with Disabilities Act to ATM networks. Although any
regulations could result in increased opportunities for ATM sales by us, they
could also require us to retire or retrofit portions of the ATM base we own. It
is also possible that existing ATM networks will be exempted from any future
regulations. We are unable at this time to determine whether, and to what
extent, any final regulations will impact our business.

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WE FACE INTENSE COMPETITION IN ALL AREAS OF OUR BUSINESS, AND IF WE DO NOT
COMPETE EFFECTIVELY, OUR BUSINESS WILL BE HARMED.

We face intense competition from a number of companies. Further, we expect that
competition will intensify as the movement towards increasing consolidation
within the financial services industry continues. Many of our competitors have
significantly greater financial, technical and marketing resources, greater name
recognition and a larger installed customer base than we do.

In the electronic payments market, our principal competitors include:

     -   third-party debit network processors, including First Data, VISA Debit
          Processing Services, Concord EFS, Midwest Payment Systems and Fiserv.

     -   financial institutions that have developed in-house processing
          capabilities or services similar to ours, including Bank of America,
          M&I Bank and Fifth Third National Bank;

In the ATM management services market, our competitors include Concord EFS,
Genpass and numerous independent service organizations (ISOs).

In the decision support and risk management market, our principal competitors
include:

     -   providers of fraud management data and software including Equifax,
          Experian and TransUnion and other credit bureaus;

     -   retail check verification and electronic check processing providers,
          including Certegy and Telecheck, a subsidiary of First Data
          Corporation.

In the professional services market, our competitors include:

     -   electronic funds transfer software providers, including Transaction
          System Architects, S2, Oasis, Mosaic and PaySys;

     -   outsourcing solutions companies, including Spectramind/Wipro Ltd, Daksh
          and Infosys Technologies.

In the market for electronic transaction processing, the principal factors on
which we compete are price and service levels. Following the loss of our
contract with STAR, the proportion of our electronic processing revenues derived
from the processing of transactions that originate from ATM machines has
substantially increased due to the loss of the POS debit transactions that were
formerly routed through our switch by the STAR network. The future growth of our
revenues in this market is dependent upon securing an increasing volume of
transactions. If we cannot control our transaction processing expenses, we may
not remain price competitive and our revenues will be adversely affected. Our
revenues can also be adversely affected by pricing concessions we make in order
to retain our existing customers or attract new customers. In addition, some of
our competitors have indicated that they may be prepared to provide customer
prospects with up-front cash incentives to acquire or retain their processing
business. Given that these competitors have substantially greater financial
resources than we do, it will be difficult for us to obtain significant new
processing customers, or retain the customers we have, if this approach becomes
a significant competitive factor.

We have also seen an effort by processors such as First Data, Concord and VISA
that are affiliated with branded networks to seek exclusive processing
relationships with the debit card-issuing financial institutions who subscribe
to their networks. Ownership or control of a branded network also enables these
competitors to influence the interchange fees financial institutions receive
from retailers who accept debit transactions from the consumers who hold debit
cards issued by these network participants. We are unable to predict whether
this trend towards an increasing level of vertical integration between
transaction processors and branded debit networks will have a positive or
negative impact upon our processing business over the long-term.

In the market for ATM deployment, processing and management services, the
primary basis of competition is price and service levels. Our ability to sell
additional machines and processing contracts in this market is dependant on our
ability to control our costs while maintaining effective levels of customer
service. If we are not successful in these efforts we will not achieve the
growth objectives we have for our ATM management or electronic transaction
processing businesses.

Competition for our decision support and risk management products is based
primarily on the quantity and quality of the data available to us for this
purpose and, to a somewhat lesser degree, price. Our competitive position in
these markets could be harmed if our competitors were able to compile different
data sources and analytical capabilities that proved to be more effective than
our products. In addition, competitive pressure on our check verification
business is increasing and we expect that the revenues we receive from this
business may decline somewhat in future periods.

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Our business process outsourcing and professional services offerings compete
primarily on the basis of the quality of service levels and, to some degree,
price. The future growth of this aspect of our business is dependent on
demonstrating to our current and prospective customers that we are a dependable
and efficient service provider.

In addition to our current competitors, it is reasonable to expect that we will
encounter substantial competition from new companies. No assurance can be given
that we will be able to compete effectively against current and future
competitors. Increased competition could result in price reductions, reduced
gross margins or loss of market share.

IF WE EXPERIENCE SYSTEM FAILURES, THE PRODUCTS AND SERVICES WE PROVIDE TO OUR
CUSTOMERS COULD BE DELAYED OR INTERRUPTED, WHICH WOULD HARM OUR BUSINESS AND
REPUTATION AND RESULT IN THE LOSS OF CUSTOMERS.

Our ability to provide reliable service largely depends on the efficient and
uninterrupted operations of our computer and telecommunications network systems
and our data centers. Any significant interruptions could severely harm our
business and reputation and result in a loss of revenue and customers. Our
systems and operations could be exposed to damage or interruption from fire,
natural disaster, unlawful acts, power loss, telecommunications failure,
unauthorized entry and computer viruses. Although we have taken steps to prevent
system failures, we cannot be certain that our measures will be successful and
that we will not experience service interruptions. Further, our property and
business interruption insurance may not be adequate to compensate us for all
losses or failures that may occur.

LEGISLATION RELATING TO CONSUMER PRIVACY PROTECTION COULD HARM OUR ABILITY TO
COLLECT AND USE DATA, INCREASE OUR OPERATING COSTS OR OTHERWISE HARM OUR
BUSINESS.

Existing and new laws and regulations relating to consumer privacy protection
could harm our ability to collect and use consumer data, increase our operating
costs or otherwise harm our business. We collect personal data about consumers
for use in our decision support and risk management products. Due to the
increasing public concern over consumer privacy rights, Congress and state
legislatures have adopted and are considering adopting laws and regulations
restricting the purchase, sale and sharing of personal information about
consumers. For example, some states have restricted the sale of motor vehicle
records, including driver's license lists, and some states refuse to disclose
this information at all.

The federal financial modernization law, known as the Gramm-Leach-Bliley Act,
imposes significant consumer information privacy requirements on any entity
engaged in the business of providing financial services, including entities that
provide services to financial institutions. Federal agencies, such as the
Comptroller of the Currency and the Federal Trade Commission, have issued
regulations to implement these requirements. The Act requires covered companies
to develop and implement policies to protect the security and confidentiality of
consumers' nonpublic personal information and to disclose those policies to
consumers before a customer relationship is established and annually thereafter.
In addition, the Act requires covered companies to give an opt-out notice to
consumers before sharing consumer information with third parties. The opt-out
notice requirement in the Act is subject to several exceptions for credit
reporting and fraud prevention purposes. Although we believe these exceptions
apply to our business, government agencies could interpret their regulations in
a manner that could expand the scope of the Act in ways which could adversely
affect our business. In addition, even if the regulations do not affect us
directly, uncertainty over the scope of the regulations could make financial
institutions unwilling or reluctant to share consumer-related information with
us.

The Gramm-Leach-Bliley Act does not prohibit state legislation or regulations
that are more restrictive on our collection and use of data. More restrictive
legislation or regulations have been introduced in the past and could be
introduced in the future in Congress and the states. For example, in the past
legislation has been proposed which would require consumers to opt in to any
plan which would allow their nonpublic personal information to be disclosed. We
are unable to predict whether more restrictive legislation or regulations will
be adopted in the future. Any future legislation or regulations could have a
negative impact on our business.

In addition, the pre-emptive provisions of the Federal Fair Credit Reporting
Act, which governs our SCAN(SM) and ChexSystems businesses, are currently
scheduled to expire in January 2004. The expiration of these provisions means
that state governments could also seek to issue legislation or regulations in
this area. The creation of additional state regulations could complicate our
compliance efforts and otherwise have a negative impact on our business. We are
unable to predict whether the Federal pre-emptive provisions will be continued
or whether any state would thereafter seek to implement more stringent
requirements if they are not so continued.

IF THE SECURITY OF OUR DATABASES IS COMPROMISED, OUR REPUTATION COULD SUFFER AND
CUSTOMERS MAY NOT BE WILLING TO USE OUR PRODUCTS AND SERVICES.

If the security of our databases is compromised, our business could be
materially adversely affected. In our electronic payments and risk management
businesses, we collect personal consumer data, such as names and addresses,
social security numbers, drivers'

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license numbers, checking and savings account numbers and payment history
records. Unauthorized access to our database could result in the theft or
publication of personal confidential information and the deletion or
modification of personal records or otherwise cause interruptions in our
operations. These concerns about security are increased when we transmit
information over the Internet. A security or privacy breach may:

     -   deter customers from using our products and services;

     -   harm our reputation;

     -   expose us to liability;

     -   increase our operating expenses to remediate problems caused by the
          breach; and

     -   decrease market acceptance of electronic commerce transactions in
          general.

WE ARE DEPENDENT ON DELUXE FOR A SIGNIFICANT PORTION OF OUR REVENUE.

During 2002, net sales to Deluxe represented 9.1% of our total revenues before
reimbursed expenses. On a year-over-year basis, however, total revenues from
Deluxe declined by 2.3% to $46.8 million during 2002 from $47.9 million in 2001.
Although Deluxe has established minimum spending targets of $43 million per year
through March 31, 2005 for software development and maintenance services it
obtains from us, further efforts at expense reduction by Deluxe could cause the
revenues we receive from Deluxe to continue to decline. The loss of Deluxe as a
customer or a continuing material reduction in the amount of services it orders
from us would materially adversely affect our future results of operations and
financial condition.

WE MAY EXPERIENCE SOFTWARE DEFECTS, DEVELOPMENT DELAYS AND INSTALLATION
DIFFICULTIES, WHICH WOULD HARM OUR BUSINESS AND REPUTATION AND EXPOSE US TO
POTENTIAL LIABILITY.

Our services and products are based on sophisticated software and computing
systems and we often encounter delays when developing new products and services.
Further, the software underlying our products and services has occasionally
contained and may in the future contain undetected errors or defects when first
introduced or when new versions are released. In addition, we may experience
difficulties in installing or integrating our products and technologies on
platforms used by our customers or in new environments, such as the Internet.
Defects in our software products, errors or delays in the processing of
electronic transactions or other difficulties could result in:

     -   delays in market acceptance;

     -   additional development costs;

     -   diversion of technical and other resources;

     -   loss of customers;

     -   negative publicity; or

     -   exposure to liability claims.

Although we attempt to limit our potential liability for warranty claims through
disclaimers and limitation-of-liability provisions in our license and client
agreements, we cannot be certain that these measures will be successful in
limiting our liability.

THERE ARE A NUMBER OF RISKS ASSOCIATED WITH OUR INTERNATIONAL SALES AND
OPERATIONS THAT COULD HARM OUR BUSINESS.

Because we currently sell some of our products and services in Europe, Australia
and Canada and provide outsourcing services from India, our business is subject
to risks associated with doing business internationally. Also, we may not be
successful in selling our services outside of the United States. In 2002, we
generated approximately 8.7% of our net sales outside of the United States. Our
future results could be harmed by a variety of factors, including:

     -   changes in foreign currency exchange rates;

     -   changes in a specific country's or region's political and economic
          conditions, particularly in emerging markets;

     -   potentially unfavorable tax rules;

     -   tariffs, duties and other trade barriers;

     -   reduced protection for intellectual property rights;

     -   challenges in managing widespread operations;

     -   changes in foreign laws and regulatory requirements or in foreign
          policy; and varying business practices in foreign countries.

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In addition, the process of selling our outsourcing services typically involves
visits to our sites in India by prospective customers. Increased levels of
international tension can result in prospective clients postponing or canceling
plans to visit our facilities, lengthening the sales cycle and otherwise
inhibiting our ability to grow this business.

CHANGES IN INDIAN TAX LAWS COULD ADVERSELY AFFECT OUR RESULTS OF OPERATIONS.

Our Indian software development and business process management operations
qualify for tax incentives associated with businesses which operate within
designated geographic locations. These incentives generally provide us with
exemptions from Indian tax on certain business income generated from these
operations and phase out through March 2009. We cannot assure you that these tax
benefits will be continued in the future at their current levels or at all. For
example, the Indian tax laws were changed, effective April 1, 2002 through March
31, 2003, to subject 10% of our previously tax exempt income to a 36.75% tax. If
our Indian tax benefits are further reduced or eliminated, our taxes in future
periods would increase. Such an increase could reduce our profits.

WE FACE TERMINATION AND COMPLIANCE RISKS WITH RESPECT TO OUR GOVERNMENT
CONTRACTS.

All of our government contracts can be terminated at any time, without cause, by
the contracting governmental entity. We realized 9.6% of our net sales 2002
(before reimbursed expenses) pursuant to contracts of this type. If a government
contract is so terminated, we are generally entitled only to receive
compensation for the services provided or costs incurred at the time of
termination and a reasonable profit on the contract work performed prior to the
date of termination. In addition, all of our government contracts require us to
comply with various contract provisions and procurement regulations, and in some
cases, accounting requirements. Violations of some of these provisions could, if
not cured, result in termination of the contract and fines.

There will be a decline in the revenues of the government services business in
2003 due to the expiration of existing contracts. Our Medicaid eligibility
verification contract with the state of New York expired in December 2002. The
approximate annual revenue from this contract was $12 million. An EBT contract
that generated approximately $4 million in revenue in 2002 also expired at the
end of 2002. Although we have obtained and continue to seek additional EBT
contracts, these new contracts will not generate sufficient revenues in 2003 to
offset the approximately $16 million decline in revenues we will experience due
to the contract expirations described above.

In addition, Citibank has been awarded the EBT contract for the Western States
EBT Alliance (Arizona, Alaska, Colorado, Guam, Hawaii, Idaho and Washington). We
currently act as a subcontractor to Citibank for this alliance and this
relationship generated approximately $5.6 million in revenues (excluding
revenues derived from reimbursed expenses) in 2002. We expect that, as a result
of Citibank being awarded this EBT contract, our role as a subcontractor will be
discontinued. This transition will begin to impact our business in 2003 and we
expect to see the significant contracts for this coalition largely roll-off by
the end of 2004.

WE MAY BE UNABLE TO PROTECT OUR INTELLECTUAL PROPERTY RIGHTS.

Despite our efforts to protect our intellectual property rights, third parties
may infringe or misappropriate our intellectual property rights, or otherwise
independently develop substantially equivalent products and services. The loss
of intellectual property protection or the inability to secure or enforce
intellectual property protection could harm our business and ability to compete.
We rely on a combination of trademark and copyright laws, trade secret
protection and confidentiality and license agreements to protect our trademarks,
software and know-how. We have also applied for patent protection on some of the
features of our newer products. We may be required to spend significant
resources to protect our trade secrets and monitor and police our intellectual
property rights.

Third parties may assert infringement claims against us in the future. In
particular, there has been a substantial increase in the issuance of business
process patents, which may have broad commercial implications. Claims for
infringement of all types of patents are becoming an increasing source of
litigation. If we become subject to an infringement claim, we may be required to
modify our products, services and technologies or obtain a license to permit our
continued use of those rights. We may not be able to do either of these things
in a timely manner or upon reasonable terms and conditions. Failure to do so
could seriously harm our business and operating results. In addition, future
litigation relating to infringement claims could result in substantial costs to
us and a diversion of management resources. Adverse determinations in any
litigation or proceeding could also subject us to significant liabilities and
could prevent us from using some of our products, services or technologies.

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PROVISIONS IN OUR CHARTER DOCUMENTS AND DELAWARE LAW MAY DELAY OR PREVENT A
CHANGE IN CONTROL.

Provisions of our certificate of incorporation and bylaws and Delaware law may
delay or prevent a change in control of our Company that you may consider
favorable. These provisions include the following:

     -   no cumulative voting by stockholders for directors;

     -   a classified board of directors with three-year staggered terms;

     -   the ability of our board to set the size of the board of directors, to
          create new directorships and to fill vacancies;

     -   the ability of our board to issue preferred stock, without stockholder
          approval, with rights and preferences that may be

     -   superior to our common stock;

     -   the ability of our board to amend our bylaws;

     -   a prohibition of stockholder action by written consent;

     -   advance notice requirements for stockholder proposals and for
          nominating candidates to our board;

     -   restrictions under Delaware law on mergers and other business
          combinations between us and any holder of 15% or more of

     -   our outstanding common stock;

     -   a requirement that 66-2/3% of our stockholders and 66-2/3% of our
          directors approve certain corporate transactions, including mergers
          and consolidations, sales of assets or amendments to our certificate
          of incorporation; and

     -   we have adopted a stockholder rights plan, which discourages the
          unauthorized acquisition of 15% or more of our common stock or an
          unauthorized exchange or tender offer..