8-K 1 eightk.txt EIGHTK.TXT SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): December 9, 2002 AMERICAN BUSINESS FINANCIAL SERVICES, INC. -------------------------------------------------------------------- (Exact name of registrant as specified in its charter) Delaware 000-22474 87-0418807 ---------------------------- ------------------------ ------------------- (State or other jurisdiction (Commission File Number) (I.R.S. Employer of incorporation) Identification No.) 111 Presidential Boulevard, Bala Cynwyd, PA 19004 ----------------------------------------------------- (Address of principal executive offices/Zip Code) Registrant's telephone number, including area code: (610) 668-2440 Former name, former address, and former fiscal year, if changed since last report: ___________________________________________ Forward-Looking Statements Some of the information in this report on Form 8-K or the documents incorporated by reference in this report on Form 8-K may contain forward-looking statements. You can identify these statements by words or phrases such as "will likely result," "may," "are expected to," "will continue to," "is anticipated," "estimate," "projected," "intends to" or other similar words. These forward-looking statements regarding our business and prospects are based upon numerous assumptions about future conditions, which may ultimately prove to be inaccurate. Actual events and results may materially differ from anticipated results described in those statements. Forward-looking statements involve risks and uncertainties described under "Risk Factors" as well as other portions of the Form 8-K, which could cause our actual results to differ materially from historical earnings and those presently anticipated. When considering forward-looking statements, you should keep those risk factors in mind as well as the other cautionary statements in this report on Form 8-K. You should not place undue reliance on any forward-looking statement. Item 5. Other Events On December 9, 2002, American Business Financial Services, Inc. announced that it intends to move its headquarters from Montgomery County to the Wanamaker Building in Center City Philadelphia. See the Press Release attached hereto as Exhibit 99.1 and related documents also attached hereto. Item 7. Financial Statements and Exhibits (a) Financial Statements None (b) Pro-forma Financial Information None (c) Exhibits The following exhibits are filed herewith: Exhibit Number Description ------- ----------- 10.1 Office Lease Agreement, dated November 27, 2002 and Addendum to Office Lease, dated November 27, 2002 between the Registrant and Wanamaker, LLC. 10.2 Letter Agreement dated May 20, 2002 between the Registrant and the Commonwealth of Pennsylvania. 10.3 Letter of Intent with PIDC Local Development Corporation dated December 3, 2002. 99.1 Press Release dated December 9, 2002. SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. AMERICAN BUSINESS FINANCIAL SERVICES, INC. Date: 12/24/02 By: /s/ Anthony J. Santilli ----------------------------------------- Name: Anthony J. Santilli Title: Chairman, President, Chief Executive Officer and Chief Operating Officer EXHIBIT INDEX Exhibit Number Description ------- ----------- 10.1 Office Lease Agreement, dated November 27, 2002 and Addendum to Office Lease, dated November 27, 2002 between the Registrant and Wanamaker, LLC. 10.2 Letter Agreement dated May 20, 2002 between the Registrant and the Commonwealth of Pennsylvania. 10.3 Letter of Intent with PIDC Local Development Corporation dated December 3, 2002. 99.1 Press Release dated December 9, 2002.