S- I/A Table of Controls or when the client's business has significant volume changes. They may also reduce services if they decide to move services in-house. Further, our SMB clients may exert pricing pressure due to pricing competition or other economic needs or pressures such clients experience from their customers. On some occasions, this pricing pressure results in lower revenue from a client than we had anticipated based on our previous agreement with that client. This reduction in revenue could result in an adverse effect on our business, operating results, and financial condition. For potential clients of our Global Business Solutions and Global Financial Solutions segments, switching from one vendor of core processing or related software and services (or from an internally-developed system) to a new vendor is a significant undertaking. As a result. potential clients often resist change. We seek to overcome this resistance through strategies such as making investments to enhance the functionality of our software. HOw CVer. there can be no assurance that our strategies for overcoming potential clients' reluctance to change vendors will be successful. and this resistance may adversely affect our growth. Security breaches or attacks on our systems may have a significant effect on our business. In order to provide our services, we process. store, and transmit sensitive business information and personal consumer information. including, but not limited to. names. bankcard numbers, home or business addresses. Social Security numbers, driver's license numbers, and bank account numbers. Under the card network rules and various federal and state laws, we are responsible for infonnation provided to us by merchants. ISOs, third-party service providers, and other agents. The confidentiality of such sensitive business infonnation and personal consumer information that resides on our systems is critical to our business because we require such information to