−Removed: There have been no material changes to the risk factors previously disclosed in Part I, Item 1A, of our Annual Report on Form 10-K for the year ended December 31, 2019 (“2019 Form 10-K”), as updated in Part II, Item 1A of our Quarterly Report on Form 10-Q for the three months ended March 31, 2020 (“First Quarter 2020 Form 10-Q”), except as described below.
−Removed: The risk factor set forth below updates, and should be read together with, the risk factors described in our 2019 Form 10-K and First Quarter 2020 Form 10-Q.
−Removed: In addition, the COVID-19 pandemic could exacerbate or trigger other risks discussed in our 2019 Form 10-K and First Quarter 2020 Form 10-Q, any of which could materially affect our business, financial condition and results of operations.
−Removed: The COVID-19 pandemic is adversely affecting us, our business, customers, employees and third-party service providers, and the ultimate impact on our financial condition, results of operations and prospects will depend on future developments, which are highly uncertain.
+Added: There have been no material changes to the risk factors previously disclosed in Part I, Item 1A, of our Annual Report on Form 10-K for the year ended December 31, 2019 (“2019 Form 10-K”), as updated in Part II, Item 1A of our Quarterly Report on Form 10-Q for the three months ended June 30, 2020 (“Second Quarter 2020 Form 10-Q”), except as described below.
+Added: The risk factor set forth below updates, and should be read together with, the risk factors described in our 2019 Form 10-K.
+Added: In addition, the COVID-19 pandemic could exacerbate or trigger other risks discussed in our 2019 Form 10-K, any of which could materially affect our business, financial condition and results of operations.
+Added: The COVID-19 pandemic has resulted in deterioration of general business and economic conditions and continued to impact us, our customers, counterparties, employees, and third-party service providers.
+Added: The ultimate magnitude and duration of the pandemic is still unknown at this time and, therefore, the extent of the impact on our business, financial position, results of operations, liquidity and prospects remains uncertain.
Global health concerns related to the ongoing COVID-19 pandemic and related government actions taken to reduce the spread of the virus have had a significant negative impact on the macroeconomic environment and market conditions, including significant disruption of, and volatility in, financial markets, and the pandemic has significantly increased economic uncertainty, reduced economic activity and resulted in lost revenues and increased unemployment throughout the United States, but also specifically in Indiana, where we maintain a significant portion of our operations.
Our business is dependent upon the willingness and ability of our customers to conduct banking and other financial transactions.
−Removed: The recent outbreak and continuing effects of the COVID-19 pandemic, or any other highly contagious or infectious disease, could negatively impact the ability of our employees and customers to conduct such transactions and disrupt the business activities and operations in the areas in which we operate.
−Removed: While the spread of the COVID-19 virus has minimally impacted our operations as of June 30, 2020, we could experience temporary closures of our corporate offices and/or suspension of certain services in particular markets.
−Removed: Currently, it is unknown how long the COVID-19 pandemic will last, or when restrictions on individuals and businesses will be fully lifted and when businesses and their employees will be able to resume normal activities in the markets we operate in and serve.
+Added: The continuing effects of the COVID-19 pandemic, or any other highly contagious or infectious disease, could negatively impact the ability of our employees and customers to conduct such transactions and disrupt the business activities and operations in the areas in which we operate.
+Added: While the spread of the COVID-19 virus has minimally impacted our operations as of September 30, 2020, we could experience temporary closures of our corporate offices and/or suspension of certain services in particular markets.
+Added: Currently, it is unknown how long the COVID-19 pandemic will last, or when restrictions on individuals and businesses across the country will be fully lifted.
Additionally, new information may emerge regarding the severity or spread of COVID-19 and additional actions may be taken by federal, state and local governments to contain COVID-19 or treat its impact.
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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.