Risk Factors Update Summary

• Increased competition for talent due to labor shortages and turnover, leading to wage inflation.
• Expanded international operations into Mexico. Increased administrative and compliance costs significantly.
• Decline in demand for certain solutions, resulting in decreased revenue from Helix and payment solutions.
• Increased complexity and vulnerabilities related to security threats, including cyber attacks and data breaches.
• Difficulty in hiring, training, and retaining skilled employees, leading to increased personnel costs and turnover.
• Increased patent applications from 7 to 13 in the U.S. and other countries.
• Potential impact of economic downturn on Alt-FIs and FinTechs, affecting revenue models differently.
• Risks associated with the development and use of AI, including potential reputational harm and legal liabilities.
• Issued $300 million in 2026 Convertible Senior Notes, up from $230 million in 2023 Notes.
• Challenges in accurately predicting impacts of macroeconomic downturns on customers and End Users.
• Registered 25,275,901 outstanding shares of common stock, up from 57,734,509.
• Accumulated deficit increased from $560 million to $625 million, with net losses of $109 million in 2022.
• Increased focus on ESG reporting and regulatory changes, with new disclosures and proposals.
• Potential dilution of common stock due to additional shares issuance and convertible notes.