Quarterly Report on Form 10-Q for the three months ended March 31, 2021 filed with the SEC on May 25, 2021 under the heading Risk Factors and other documents of VPCC filed, or to be filed, with the SEC, including those risk factors Dave Dave; SPAC Presentation Deck (June 2021) . employee shareholders and common equity holders assuming total transaction proceeds in excess of $300mm. and significant pain Up to $200 of Charity 2 1 Donated Avoided Jobs Applications Submitted Income Generated by Dave Startup Employer in Through Side Hustle Users through Side Hustle Los Angeles (Forbes 2020) Source: Dave Management. We are cooperating with the CFPB, including producing documents and providing answers to written questions in the CID and follow-up requests thereafter by the CFPB. Such persons can also read VPCCs final prospectus dated March 4, 2021 (SEC File No. VPCC and Dave believe that these non-GAAP financial measures provide useful information to management and Login. record of driving significant scale growth through COVID efficiencies; upside beyond forecast Source: Dave Management. January 5, 2021. connection with the Proposed Business Combination will be set forth in the proxy statement/prospectus for the Proposed Business Combination when available. and officers have agreed to vote in favor of the Proposed Business Combination, regardless of how VPCCs public stockholders vote. Investor Presentation | Virgin Orbit Vision Launch The Virgin Way Missions Investor Information Careers Orbit for Everyone Team Contact Us The Latest Media Center Service Guide Launch with us Investor Presentation Investor Presentation August 23, 2021 Looking for more? Presentation, and on the current expectations of Daves and VPCCs management and are not predictions of actual performance. received a Civil Investigative Demand (the CID) from the U.S. Bureau of Consumer Financial Protection (the CFPB), the stated purpose of which is to determine whether there is or has been a violation of any laws enforced Industry. any legal, financial, tax or other considerations concerning the opportunity described herein. practices (which may increase our operating expenses and/or decrease revenue) and, in the event of retroactive application of such laws, subject us to litigation or enforcement actions that could result in the payment of damages, restitution, completeness of this Presentation or any other information (whether written or oral) that has been or will be provided to you. 7. Revenue $533 $329 189 $377 CAGR: 98% $223 CAGR: 116 112% $193 $111 22 344 $122 262 $75 $76 171 $43 121 $17 $8 2018A 2019A 2020P 2021E 2022E 2023E 2018A 2019A 2020P 2021E 2022E 2023E Rapid scaling and 60% YoY Proven record of driving significant terminated and we are not able to secure or successfully migrate client portfolios to a new bank partner or partners, we will not be able to conduct our business. and consummation of the Proposed Business Combination; (viii) the ability to recognize the anticipated benefits of the Proposed Business Combination, which may be affected by, among other things, competition, the ability of Dave to grow and manage These forward-looking statements are provided for illustrative Many actual events and circumstances are beyond the control of Dave and VPCC. Phased Launch To Date Has Allowed for User Positioned for Rapid Scaling contained in this Presentation, such as EBITDA and EBITDA Margin, have not been prepared in accordance with United States generally accepted accounting principles (GAAP). LOS ANGELES, March 02, 2023 (GLOBE NEWSWIRE) -- Dave Inc. (the "Company") (Nasdaq: DAVE, DAVEW), one of the leading U.S. neobanks on a mission to build products that level the financial playing. HIPP-sters People paycheck By High Income, Paycheck to Paycheck Building credit Achieved daily financial stability and Student loan debt building towards long-term savings and financial health Source: U.S. or adverse public health developments, including government responses to such events. All references to Dave, we, us or our refer to the business of Dave Inc. and operations. We are cooperating fully with all pending inquiries and investigations, any of which could lead to administrative or legal proceedings or settlements. limitations, among other things. Information concerning the interests of VPCCs and These documents, once available, can also be obtained, without charge, at the SECs web site (http://www.sec.gov). Achieved daily financial stability and Student loan debt building towards long-term savings and financial health Source: U.S. Census, FDIC, Center for Financial Insight, CFPB, Financial Health Network and SNL Financial. The PIPE is at $210M with Tiger, Wellington, and Corbin all . direct deposit Utilized over 30mm times since product launched in 2017 Improves budgeting and financial 1 $1B of overdraft fees saved management skills Source: Dave Management. Presentation Decks by Dave (3) Investor Day. express or implied are given in, or in respect of, the accuracy or completeness of this Presentation or any other information (whether written or oral) that has been or will be provided to you. Otonomo and Software Acquisition will host a joint investor conference call regarding the proposed transaction today, February 1, 2021. This Presentation shall not constitute a solicitation as defined in Section 14 of Access the audio replay here. Best In Class Management Team + Strong Risk Management Long-Term Commitment to Dave 1 Financial Industry Longstanding Investment Relationship since 2018 Unparalleled Business Diligence $100 million Dave, founded in 2016, raised about $61 million before its SPAC deal from investors such as venture-capital firm Norwest Venture Partners. opinion or provided any other form of assurance with respect thereto for the purpose of this Presentation. Dave Terms of Use Link4 Designed by Dave, not a bank. These forward-looking statements are subject to a number of risks and uncertainties, the use of our platform and other products and services could decline. Placement) as part of the proposed business combination of VPC Impact Acquisition Holdings III, Inc. (VPCC) and Dave Inc. (the Proposed Business Combination), and solely for potential investors in the proposed Following the consummation of the Proposed Business Combination, the Combined Company will incur significant increased expenses and administrative burdens as a public company, which could negatively impact its business, Note: Dave has not yet completed its 2020 audit and therefore all financial statement information for the year ended December 31, 2020 is unaudited, preliminary VPCCs The cost of responding to investigations can be substantial and an adverse resolution to an investigation, including a settlement or consent order, may have a material adverse effect on our business, financial position, and results of operations us reformation of contracts, the refund of moneys, restitution, disgorgement or compensation for unjust enrichment, the payment of damages or other monetary relief, public notifications regarding violations, limits on activities or functions, In addition to the approximately $144 million held in Panacea's trust (assuming no redemptions), a group of premier healthcare investors . NO REPRESENTATION OR WARRANTY No representations or warranties, express or implied are given in, or in respect of, the accuracy or contents, its omissions, reliance on the information contained within it, or on opinions communicated in relation thereto or otherwise arising in connection therewith. There can be no assurance that VIH III will be able to raise sufficient capital in the Private Placement to consummate the Proposed Business Combination or for use by the combined company following the Proposed Business Combination (the FINANCIAL INFORMATION; NON-GAAP FINANCIAL MEASURES The financial information and data contained in this Presentation is unaudited and does not conform to Regulation S-X promulgated focus on FinTech Opportunities Dave is the ideal partner for VPCC Established Alternative Investment Manager VPC has invested $6.0 billion in over 120 transactions globally since inception Differentiated High Growth FinTech Strong its consolidated subsidiaries. approach >4M job applications submitted Flagship feature that helps protect users against overdraft fees Pioneer in reinventing overdraft protection for Americans in 2017 1 >30M advances taken, saving users $1B Sponsor Shares Implied Enterpise Value $3,563 1% Source: Dave management. We obtained this information and statistics from third-party Its . to download to deposit for navigate financial offerings advance product Deep understanding of user No visibility into users behavior over 30B Unsophisticated approach historical income and transactions; use Machine based on legacy 3 Data KBW Fintech Payments Conference. COMPANY. also read VPCCs final prospectus dated March 4, 2021 (SEC File No. AeroFarms home The Vertical Farming, Elevated Flavor company The general explanations included in this Presentation cannot address, and are not intended to address, your specific investment objectives, financial onboarding features at your fingertips, Advance approval after 30 process, in-person and just 15 minutes from 2 Speed-to-Value days, direct deposit branches and difficult to download to deposit for navigate financial offerings advance product Deep combined companys common shares on the New York Stock Exchange or Nasdaq following the Proposed Business Combination; (vii) the risk that the Proposed Business Combination disrupts current plans and operations as a result of the announcement The investor presentation is being filed by Otonomo and Software Acquisition with the SEC prior to the call and will be available on the SEC's website at www.sec.gov. If any of our states we operate in, that could restrict the products and services Dave offers, impose additional compliance costs on Dave, render its current operations unprofitable or even prohibit its current operations. should, would, plan, project, forecast, predict, potential, seem, seek, future, outlook, 333-252577), for a description of the security holdings of VPCCs officers and directors and their respective interests as security holders in the consummation of the our financial position and results of operations. reinventing overdraft protection for Americans in 2017 1 >30M advances taken, saving users $1B Source: Dave Management. Archived Events & Presentations. uncertain, evolving and unsettled. 102k 22k 2020A 2021E 2022E 2023E May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May 2021A 2020A No concerted marketing effort all in-app Broad marketing campaign supported demand from existing users by targeted marketing to existing users Dave Users have recorded in aggregate $300-400mm / year in fees from their legacy banks in 2019 2020. The risks described below VPCCs sponsor, directors 1Q22 Shareholder Letter 9.1 MB. there be any sale of securities, investment or other specific product in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such jurisdiction. not able to secure or successfully migrate client portfolios to a new bank partner or partners, we will not be able to conduct our business. If any of these risks materialize or VPCCs or Daves assumptions prove incorrect, actual results could differ materially from Investors should consult with their counsel as to the applicable requirements for a purchaser to avail itself of any exemption under the Securities Act. Marketing investment recovered in ~9 months on 1 a gross profit basis Consumer Financial Protection (the CFPB), the stated purpose of which is to determine whether there is or has been a violation of any laws enforced by the CFPB. If we were to become directly subject to banking regulations, our business model may need to be substantially altered and we may not be able to continue to operate our business as it is currently operated. Note: Dave has not yet completed its 2020 audit and therefore all financial standards. into the gig economy for extra help Existing bank relationship ~100- not helping 120mm Getting Living paycheck-to- HIPP-sters People paycheck By High Income, Paycheck to Paycheck Building credit dated March 4, 2021 (SEC File No. understanding of user No visibility into users behavior over 30B Unsophisticated approach historical income and transactions; use Machine based on legacy 3 Data & Tech spending patterns; limits Learning to deliver fast and technology The use or display of third parties Dave's Benefits & Perks We understand how important it is to get key benefits and perks from an employer. platforms. subsidiaries, Dave OD Funding I, LLC (Dave OD Funding), has a senior secured credit facility with Victory Park Capital Advisors, LLC and certain of its affiliates, which are affiliates of VPCC (the Credit Facility). Allows users to confidently track First neobank to help We transfer funds to our users daily, which in the aggregate comprise substantial The VPCC board has not obtained and will not obtain a third-party valuation or financial 11 Cant afford a one-time $400 emergency. These statements are based on various The combined companies would have an enterprise value of approximately $9.3 billion, the SPAC said. Combinations benefits do not meet the expectations of investors or securities analysts, the market price of our securities or, following the consummation of the Proposed Business Combination, the Combined Companys Securities, may 25. Census, FDIC, Center for Financial Insight, CFPB, Financial Health Network and SNL Financial. Some of the financial information and data Amid all the news of the last few days, you might have missed that eToro, an Israeli consumer stock-trading service, is going public in the United States via a SPAC.. Don't worry about the SPAC . costly litigation, and could adversely affect our reputation and operating revenues. Dave, Inc. has guaranteed Our fraud detection and If we are unable to acquire new customers and retain our current customers other similar epidemics or adverse public health developments, including government responses to such events. 2Q22 Shareholder Letter 6.5 MB. Side Hustle; FOLLOW US. Q3 2022 Earnings Presentation. Additionally, all information in Daves financial statements for the years ended 27 December 31, 2018 and 2019 are audited, but not to PCAOB standards. June 2021 (34 slides) 1 of . most vulnerable customers footprints Onerous regulatory requirements (capital, interchange) constrain investment Mediocre digital user experience Legacy and antiquated technology stacks and call centers Source: Dave Management, industry reports and Such projected financial information constitutes Proposed Business Combination (the Merger Agreement) and the Proposed Business Combination, and approval of the other proposals to be described in the proxy statement relating to the Proposed Business Combination. Los Angeles-based banking app Dave began trading on the Nasdaq on Thursday, becoming one of the first companies to close a SPAC merger and go public in 2022. & Tech spending patterns; limits Learning to deliver fast and technology stack user offering inexpensive solutions #1 favorable opinion of ~20pp behind Dave in user Negative NPS scores for 4 Beloved 1 1 consumer finance apps satisfaction large Structurally High Fees, Low Created by Bloated Bank Cost Accessibility, and Poor Customer Structure & Innovators Service Dilemma Overdraft ($35) and minimum balance fees Massive and expensive brick / mortar ($10) for the solicitation, which may, in some cases, be different than those of VPCCs and Daves equity holders generally, will be set forth in the proxy statement/prospectus relating to the Proposed Business Combination when it becomes available. Dec. 2020+ Source: Dave Management. following the announcement of the Merger Agreement and the transactions contemplated therein; (iii) the inability to complete the Proposed Business Combination, including due to failure to obtain approval of the stockholders of VPCC, certain 1 minute read. Dave positions itself as a company that enhances access to financial services. Information regarding the persons who may, under SEC rules, be deemed participants in the solicitation of proxies of VPCCs stockholders in 1 Dave users have taken over 30mm of overdraft protection advances, typically avoiding ~$35 overdraft fee from their legacy bank. We may not be able to scale our business quickly enough to meet our users Revenue EV / 2023E Revenue 19.3x 17.7x 16.9x 15.6x 15.1x 14.5x 2022E Peer Median: 13.9x 13.7x 12.2x 12.2x 11.6x 2023E Peer Median: 10.5x 10.4x 9.4x 9.1x 8.7x 8.1x 8.0x 6.7x 5.5x 1 DaveFUSEIPOEFTCVUPSTSQLPROAFRMAPT-AU Revenue Growth 2022E 95.2% 79.2% FINANCIAL INFORMATION; NON-GAAP FINANCIAL MEASURES The financial information and data contained in this Presentation is unaudited and does not licensing requirements, disclosure requirements and usury or fee limitations, among other things. Our business, financial condition and results of operations may be adversely affected by the COVID-19 pandemic or other similar epidemics from and be more extensive than those presented below. Analyst Day Presentation March 2022 Stay Informed with Email Alerts Sign Up. Such persons can At this time, we are unable to predict the outcome of this CFPB investigation, including 12/21. Funding I, LLC (Dave OD Funding), has a senior secured credit facility with Victory Park Capital Advisors, LLC and certain of its affiliates, which are affiliates of VPCC (the Credit Facility). Nothing herein should be construed as legal, financial, tax or other advice. Source: Dave management. and minimum balance fees Massive and expensive brick / mortar ($10) for the most vulnerable customers footprints Onerous regulatory requirements (capital, interchange) constrain investment Mediocre digital user experience Legacy and antiquated Investor Presentation. agreements with our processing providers are terminated, we could experience service interruptions. Cash Flow Positive Plan Presentation 1.4 MB. Neither The issuance of shares of the Combined Companys securities in connection with the Private Placement will substantially dilute the voting power of the Combined Companys stockholders. Here are some key takeaways for investors to consider for Lucid Motors. Shares opened at $8.27 apiece under. Transaction Structure Implied Sources & Uses ($mm) Dave to LOS ANGELES, March 02, 2023 (GLOBE NEWSWIRE) -- Dave Inc. (the "Company") (Nasdaq: DAVE, DAVEW), one of the leading U.S. neobanks on a mission to build products that level the financial playing field, today announced that the Company will participate in three upcoming investor conferences in March 2023:. Additionally, all information in Daves financial statements for the years 31 ended December 31, 2018 and 2019 are audited, but not to Advisors, LLC, 150 North Riverside Plaza, Suite 5200, Chicago, IL 60606. Dave nor VPCC is making an offer of the Securities in any state where the offer is not permitted. furnished by Dave and VPCC, with the U.S. Securities and Exchange Commission (the SEC), including the documents filed or furnished in connection with the proposed transactions between Dave and VPCC. of overdraft protection advances, typically avoiding ~$35 overdraft fee from their legacy bank. Neither VPCCs nor Daves independent of applicable law has occurred can order, among other things, rescission or reformation of contracts, the refund of moneys, restitution, disgorgement or compensation for unjust enrichment, the payment of damages or other monetary relief, public use in evaluating projected operating results and trends in and in comparing Daves financial measures with other similar companies, many of which present similar non-GAAP financial measures to investors. Combination) and for no other purpose. Investor Relations Resources & Information Company Overview Sonder is revolutionizing hospitality through innovative, tech-powered service and inspiring, thoughtfully designed accommodations combined into one seamlessly managed experience. protection advances, typically avoiding ~$35 overdraft fee from their legacy bank. 1 Unique users historically measured as connected bank accounts. predict and may differ from assumptions and such differences may be material. 6 3 Maximum proceeds to select existing before interest, tax and depreciation and amortization, and excludes the impact of stock-based compensation and EBITDA Margin is defined as EBITDA divided by revenue. We are not currently subject to time to time be subject to governmental investigations or other inquiries by state, federal and local governmental authorities. information necessary to adequately make an informed decision regarding your engagement with Dave and VPCC. generally be identified by the use of words such as believe, may, will, estimate, continue, anticipate, intend, expect, 1 Dave users have taken over 30mm of overdraft protection advances, typically avoiding ~$35 overdraft fee from their legacy bank. securities held by VPCCs sponsor, directors and officers, will be contractually obligated to vote in favor of the Proposed Business Combination. Neobanks: $75-100 10M Largest Neobanks: $125 Begin Bank Rollout 7M Side Hustle Rollout Scaled 1 ExtraCash Product Financial Management Tool Dave Registered Users 2017 2018 2019 2020 Source: Dave Management. partner bank costs, debit funding fees, and 28 charitable contributions.Marketing investment recovered in ~9 months on 1 a gross profit basis 2022E Cohort Cumulative Cohort Revenue ~$640M Conservative forecast Marketing Expense In projected The risks presented in such filings Mr. Meyer's SPAC, USHG Acquisition Corp. (ticker: HUGS) said Tuesday it would take the cash it raised earlier this year - a bit under $300 million - and invest in Panera Brands at the IPO price. SPAC. Solely for convenience, the trademarks, service marks and trade names referred to in intend, expect, should, would, plan, project, forecast, predict, potential, seem, seek, The risks presented below are certain of the general risks related to the business of Dave, the Private Placement and the Proposed Business Combination, and such list is not exhaustive. Evolve Bank & Trust, Member FDIC, holds all deposits and issues . The SPAC Deal: Dave announced a SPAC deal with VPC impact Acquisition Holdings III VPCC , valuing the former at a pro forma equity value of $4 billion. As a result, investors should be aware that although most of the . Investing in securities (the Securities) to be issued in connection with the Proposed Business Combination involves a high degree of risk. Source: Dave Management projections. TRADEMARKS AND TRADE NAMES Dave and VPCC own or have rights to various trademarks, service marks and trade names that they use in connection with the operation of their PARTICIPANTS IN THE SOLICITATION VPCC, Dave and their respective directors, executive officers and other members of their management and employees, under SEC rules, may be deemed to be participants in the solicitation of proxies licensor to these trademarks, service marks and trade names. Dave Users have recorded in aggregate $300-400mm / 14 year in fees from their legacy banks in 2019 2020. Dave. any exemption under the Securities Act. commitment and belief in business Net Cash on Balance Sheet 389 Estimated Transaction Fees 50 Valuation Total Uses $3,999 Pro forma implied Enterprise Value of $3.6bn, which equates to 9.4x 2022E revenue of $377mm 4 Pro Forma Ownership Pro Average fees paid per year by Dave customers to legacy banks Combination), and solely for potential investors in the proposed financing, and not for any other purpose. overdraft fees saved management skills Source: Dave Management. 1 Gross profit is net of COGS which includes processor fees, bad All references to Dave, we, us or our refer to the business of Dave Inc. and its consolidated subsidiaries. opinion in determining whether to proceed with the Proposed Business Combination. thresholds (25% of all founder shares). loss of profit arising from the use of this Presentation, its contents, its omissions, reliance on the information contained within it, or on opinions communicated in relation thereto or otherwise arising in connection therewith. Track Record of Investing in FinTech Underpenetrated Market Executed over 60 FinTech transactions since inception Meaningful Barriers to Entry Proven SPAC Sponsor Demonstrated track record of executing SPAC Changes in laws or regulations, or a failure to Information regarding the persons who may, under SEC rules, be deemed participants in the solicitation of proxies of Jarad Fisher Shannon Sullivan Chien Chou CEO CFO Co-founder CCO CPO EVP Engineering Serial Entrepreneur Mia Alexander John Ricci Paras Chitrakar Grahame Fraser Kate Holmes Brian Li VP Support GC CTO Head of Product VP Design VP Business Operations 2Q21 & Beyond Feedback and Product Optimization ~31% penetration 1.3 mm Dave Bank Users Projected Dave Bank Users of Dave user base 1.2 mm 1.1mm 943k ~95% CAGR 784k 633k 273k 176k 141k 128k 114k 102k 22k 2020A 2021E 2022E 2023E May Jun Jul Aug 06/21. 6 3 Maximum proceeds to select existing employee shareholders and common equity holders assuming total transaction proceeds in excess of $300mm. Actual results may differ materially from the results contemplated by the projected financial information contained in this Accordingly, such information and data may not be included in, may be adjusted in or may be presented differently in, any proxy statement to be filed by VPCC with the SEC. We depend upon several third-party service providers for processing our transactions. The company through its brand aims to make its. year in fees from their legacy banks in 2019 2020.Dave uses software and data to offer everyday Americans the financial services they need, at Solves immediate breakthrough speed and pricing. Largest Neobanks: $125 Begin Bank Rollout 7M Side Hustle Rollout Scaled 1 ExtraCash Product Financial Management Tool Dave Registered Users 2017 2018 2019 2020 Source: Dave Management. Some of the 53.1% 22.7% 30.4% 31.2% 37.0% 37.6% 45.6% 2023E 41.4% 64.3% 40.4% 30.1% 27.7% 21.9% 23.1% 27.3% 42.8% 2 Growth-Adjusted Revenue Multiples 2022E 0.10x 0.11x 0.23x 0.46x 0.64x 0.57x 0.46x 0.41x 0.25x 2023E 0.16x 0.09x 0.21x 0.27x 0.55x 0.66x 0.60x You should review the investors by the CFPB. Note: Dave has not yet completed its 2020 audit and therefore all financial statement information for the year ended December 31, It is not intended to form the basis of any investment decision or any other decisions with respect to the Proposed Business Combination. data lead to more products with outstanding pricing Driving word-of-mouth, supporting brand halo Increasing engagement and enhancing user LTV at no additional CAC High-impact products significantly revenue-generative even before cross-attach, Journey Frictionless access to a Walled Garden approach; can only access products with a variety of products in just 1 Ease of Access bank account and multitude of associated steps four steps Multiple user-friendly Antiquated Sign Up. Fraudulent and On December 18, 2020, FinServ Acquisition Corp. and Katapult Holdings, Inc. jointly announced that they have entered into a definitive merger agreement valued at approximately $1 billion. respective businesses. Actual results may differ materially from the results contemplated by the projected will be consistent with those that would be required for a public company in its SEC filings, including with respect to the business and securities of Dave and VPCC and the proposed transactions between Dave and VPCC, and may differ significantly EBITDA is defined as earnings Solving Legacy Pain Points Building a Better Bank No Overdraft or Rewards, and Side Hustle Source: Dave Management. There may be additional risks of which neither VPCC nor Dave presently are aware or that VPCC and Dave currently believe are immaterial that could also cause actual results to differ from Dave Users have recorded in aggregate $300-400mm / year in fees from their legacy banks in This Presentation contains preliminary information only, is subject to change at any time and any such changes may be material, and, is not, and should not be assumed to be, complete or to constitute all the merge with VPCC through a reverse-subsidiary merger Sources Dave to become a wholly-owned subsidiary of VPCC, which will be Existing Dave Shareholder Equity $3,500 renamed Dave and be the go-forward publicly traded company SPAC Cash in Trust 02/28/2023 11:00 AM ET. additional CAC High-impact products significantly revenue-generative even before cross-attach, fueling marketing spend 21, Saving (Q2 Q3) Banking Dec 2020 Side Hustle Nov 2018 ExtraCash 1 Unique Users (mm) ARPU $ $55 $55 CAGR: 11.4 13% $42 $39 CAGR: $37 8.0 Forma Cash 1 87% Existing Dave Shareholders $389mm of net cash held on the pro forma balance sheet Capitalization PIPE Shareholders Implied Market Capitalization $3,951 SPAC Shareholders 5% 2 (-) Net Cash on Balance Sheet (389) 6% SPAC 1 Dave users have taken over 30mm of overdraft Additionally, all information in Daves financial statements for the years ended 26 December 31, 2018 and 2019 are audited, but not to PCAOB standards. Failure by us, or any of our business partners, to comply with applicable laws and regulations could have a material adverse effect on our business, financial position and results of operations.
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