Risk Factors Update Summary

• Addition of "consumers" to the markets we operate in, expanding our risk for cyber attacks.
• Mention of insider trading incidents involving employees and vendors, emphasizing data security risks.
• Increased cyber threats, evolving and more difficult to detect, with breaches and attacks of varying degrees.
• Addition of "ESG scores" to risk factors due to potential negative perceptions or publicity.
• Inclusion of "high interest rates" to risk factors, highlighting risks associated with changes in interest rates.
• Increased volume of cyber attacks, breaches, and threats, with expectations for continued increase.
• Inclusion of "acquisitions" to risk factors, highlighting risks related to negative perceptions or publicity.
• Introduction of "infectious disease like COVID-19" to risk factors, specifying risks related to human mobility restrictions.
• Addition of "the People’s Republic of China" to risk factors, indicating exposure to risks in major geographic markets.
• Addition of "public health crises" to risk factors, indicating potential adverse effects on operations and results.