Risk Factors Update Summary

• Addition of various laws and regulations affecting products and services, including Fair Housing Act and Fair Credit Reporting Act, increasing legal compliance risks.
• Audits and reviews by tax authorities may prove costly. Tax filings subject to reviews in various jurisdictions. This may result in financial impact.
• Introduction of risks in the electronic payment services business, including liability for disputed transactions and financial risks, impacting operating results.
• Tax authorities may disagree with certain positions. An adverse outcome could impact operations significantly.
• Changes to payment card networks or bank fees could increase operating costs and reduce income.
• Defending tax positions may be costly and distracting. Natural disasters could disrupt operations.
• Risks in tenant screening services business due to FCRA violations, regulatory inquiries, and potential enforcement actions, impacting business and results.
• Risks related to cybersecurity and data privacy, including security vulnerabilities, breaches, and potential liabilities, affecting customer relationships and reputation.
• Risks related to attracting and retaining talent, including competition for skilled personnel and maintaining corporate culture, impacting strategic objectives.
• Risks related to industry factors affecting real estate customers, such as interest rates and legal regimes, impacting demand for solutions.