Risk Factors Update Summary

• The company's debt outstanding increased from approximately $2.724 billion to $3.868 billion.
• Reduction in demand for gasoline and diesel fuel could significantly impact revenues.
• Inadequate protection of intellectual property could impair competitive position and result in liability.
• A decline in general economic conditions may lead to a significant decline in demand.
• Bank failures could adversely affect liquidity and financial performance, impacting operations.
• Additional indebtedness may affect the company's flexibility and ability to meet debt service obligations.
• Failure to adapt to technological changes could materially affect competitive position and business.
• Failure to attract, motivate, and retain qualified employees could materially impact business performance.
• The company may incur less than the full $225 million contingent consideration due to changes in the Federal Funds rate.
• A substantial portion of revenue is generated by network processing fees; changes could decrease revenue.
• Changes in privacy laws across states and countries could significantly impact the company's operations.
• Compliance with anti-money laundering laws creates additional costs and regulatory burdens.
• Failure to comply with data protection regulations could result in penalties and reputational harm.
• The company's use of artificial intelligence poses risks related to cybersecurity, data privacy, and operational challenges.