EFTA Document EFTA01382277

Amendment No. 3 to Form S-1 Table of Contents cyber-attacks or intrusions from known malware or matware that may be developed in the future. To the extent that any disruption results in the loss, damage or misappropriation of information, we may be adversely affected by claims from customers, financial institutions, regulatory authorities, payment card associations and others. In addition, the cost of complying with stricter privacy and information security laws and standards, including PCI