EFTA Document EFTA01377635

S-1/A Any real or perceived improper use of, disclosure of, or access to such data could harm our reputation as a trusted brand, as well as have a material and adverse effect on our business; Our risk management efforts may not be effective, which could expose us to losses and liability and otherwise harm our business; • We derive substantially all of our revenue from payments services. Our efforts to expand our product portfolio and market reach may not succeed and may reduce our revenue