Risk Factors Update Summary

• High interest rates and increased cost of capital led to decreased marketing spend and tightened underwriting standards.
• Addition of a proportionate reduction in shares to regain compliance with NYSE minimum share price requirement.
• Pricing strategy may be impacted by competitive products, potentially leading to decreased revenue.
• Changes in interest rates and underwriting standards may decrease revenue in the personal loans vertical.
• Change from "resolve the noncompliance" to "meet the minimum per share price requirement" for continued listing.
• Failure to effectively connect consumers with product offerings may result in decreased revenue.
• Failure to retain qualified personnel may result in increased expenses and loss of competitive advantage.
• Increased cyberattacks due to global conflicts could impact the company's cybersecurity and brand reputation.
• Change from "regain compliance" to "continue to comply" with NYSE's per share price requirement.
• Decreased marketing spend by Product Partners could adversely impact the Enterprise platform.
• Increase in the exercise price of warrants from $11.50 to $11.345 per share.