−Removed: The risks described in “Risk factors” in our Annual Report on Form 10-K for the fiscal year ended January 31, 2023 , this Quarterly Report on Form 10-Q for the quarterly period ended October 31, 2023, and subsequent periodic reports could materially and adversely affect our business, financial condition and results of operations.
−Removed: Except as described below, there have been no material changes in such risks.
+Added: The risks described in “Risk factors” in our Annual Report on Form 10-K for the fiscal year ended January 31, 2024 , and subsequent periodic reports could materially and adversely affect our business, financial condition and results of operations.
+Added: There have been no material changes in such risks.
These risk factors do not identify all risks that we face, and our operations could also be affected by factors that are not presently known to us or that we currently consider to be immaterial to our operations.
−Removed: Our acquisition of the BenefitWallet HSA portfolio may not be consummated, and if consummated, we may not realize the expected benefits.
−Removed: We have entered into an agreement to acquire the BenefitWallet HSA portfolio.
−Removed: Completion of the acquisition is subject to certain closing conditions and a number of risks and uncertainties.
−Removed: We can provide no assurance that the various closing conditions will be satisfied or that the risks and uncertainties will not occur.
−Removed: In addition, a significant decline in prevailing interest rates at the time of the completion of the acquisition would have an adverse impact on our ability to realize the potential benefits of the acquisition.
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.