Risk Factors Update Summary

• Added risks include loss of significant clients or partners, cyber-security failures, and compliance challenges.
• Addition of new regulatory changes impacting licensing providers in multiple jurisdictions could hinder scaling efficiency.
• Increased net losses from $13,659.5 million to $220.4 million for the year ended December 31, 2022.
• Recognized non-deductible goodwill impairments totaling $13.4 billion in the year ended December 31, 2022.
• Net cash provided by operating activities increased from $189.3 million to $350.0 million for the year ended December 31, 2022.
• Introduction of new consumer privacy laws may require significant compliance efforts affecting marketing strategies.
• Non-deductible goodwill impairments increased from $428.8 million to $15,228 million.
• Added risks related to AI and machine learning bias issues and potential regulatory impacts.
• Outstanding convertible senior notes due 2025 increased from $550.0 million to $1,123.7 million.
• Inclusion of various state laws such as the Colorado Privacy Act, Connecticut Data Privacy Act, and Utah Consumer Privacy Act.
• Disclosure of litigation alleging improper disclosure and/or use of PII and PHI.
• Emphasis on ESG matters and potential negative impacts on reputation and business due to failure to achieve related initiatives.
• Mention of outsourcing storage and member information to subcontractors with safeguarding agreements.
• Inclusion of risks related to ownership of common stock and provisions in the certificate of incorporation.