The main risk factors relating to the Company are described below and should be analyzed in conjunction with the information contained in the Reference Form.

THE COMPANY’S POTENTIAL INABILITY TO KEEP PACE WITH RAPID TECHNOLOGICAL DEVELOPMENT TO OFFER NEW PRODUCTS AND SERVICES AND IMPROVE OR PROPERLY MODERNIZE ITS INFORMATION TECHNOLOGY INFRASTRUCTURE AND INFORMATION MANAGEMENT SYSTEMS IN A TIMELY MANNER MAY RESULT IN A MATERIAL ADVERSE EFFECT.
THE RISK OF ANY FAILURE IN THE PROCESSING SYSTEMS OR CRITICAL PROCESSES OF THE COMPANY´S AUTOMATED SYSTEMS MAY HAVE A MATERIAL ADVERSE EFFECT.
FAILURES OR BREACHES IN THE COMPANY’S CRITICAL AUTOMATED SYSTEM PROCESSES MAY TEMPORARILY DISRUPT THE COMPANY’S BUSINESS, INCREASING COSTS AND CAUSING LOSSES, WHICH MAY ADVERSELY AFFECT IT.
THE COMPANY MAY NOT SUCCEED IN ITS NEW BUSINESS STRATEGIES.
FAILURE IN NEW PARTNERSHIPS OR INVESTMENTS MAY HARM THE COMPANY´S BUSINESS.

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