Risk Factors Update Summary

• Added detailed risks related to infrastructure, data security, and privacy, emphasizing potential liabilities.
• Decrease in U.S. federal NOLs from $473 million to $388 million.
• Change from "significantly" to "significantly" in the diversion of operational resources.
• Increased focus on cybersecurity threats, potential unauthorized access, and liabilities associated with platform failures.
• Expanded risks related to open source software usage, potential security vulnerabilities, and restrictions on use.
• Increased emphasis on compliance risks with laws and regulations, potential fines, and penalties for non-compliance.
• Potential increase in tax liabilities due to tax exemptions decreasing from 8 to 6.
• Settlement of a lawsuit and expectation of increased demands, claims, and arbitration.
• Enhanced disclosure on the complexity and risks associated with the use of artificial intelligence in products.
• Added risks related to fluctuations in foreign currency exchange rates and potential impact on financial results.
• Highlighted the potential adverse effects of data mishandling, including loss of trust, litigation, and reputational damage.
• Change from "Global" to "global" in tax developments section.
• Change from "resulting" to "resulting" in claims against the company.
• Shift from "abroad" to "internationally" in conducting business internationally.