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® is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve.
−Removed: For nearly 50 years, we have provided technology solutions to help banks and credit unions innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders.
−Removed: We empower approximately 7,400 financial institutions and diverse corporate entities with people-inspired innovation, personal service, and insight-driven solutions.
+Added: For 50 years, we have provided technology solutions to help banks and credit unions innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders.
+Added: We empower over 7,200 financial institutions and diverse corporate entities with people-inspired innovation, personal service, and insight-driven solutions.
Mission Statement
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Our banking solutions support both on-premise and private cloud operating environments with functionality for core processing platforms and integrated complementary solutions.
−Removed: • Core credit union data processing solutions are provided to credit unions of all sizes, with a client base of approximately 715 credit unions.
+Added: • Core credit union data processing solutions are provided to credit unions of all sizes, with a client base of over 700 credit unions.
We offer a flagship core processing platform and integrated complementary solutions that support both on-premise and private cloud operating environments.
−Removed: • Non-core highly specialized core-agnostic products and services are also provided to banks and credit unions.
+Added: • Core-agnostic products and services are also provided to banks and credit unions.
We offer complementary solutions that include highly specialized financial performance, imaging and payment solutions, information security and risk management, retail delivery, and online and mobile functionality.
−Removed: These products and services enhance the performance of traditional banks and credit unions of all asset sizes and charters, and non-traditional diverse corporate entities.
−Removed: In total, we serve approximately 1,670 bank and credit union core clients and over 5,710 non-core clients.
+Added: These products and services enhance the performance of banks and credit unions of all asset sizes and charters, and non-traditional diverse corporate entities.
+Added: In total, we serve approximately 5,600 non-core clients.
Our products and services provide our clients with solutions that can be tailored to support their unique growth, service, operational, and performance goals.
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The survey results are analyzed and provided to operational areas to ensure our service consistently exceeds our clients’ expectations.
−Removed: We believe this process ensures we understand the Voice of the Customer which contributes to our excellent retention rates.
−Removed: We are focused on establishing long-term client relationships, continually expanding and strengthening those relationships.
−Removed: We do so with cross sales of additional products and services that support our clients' strategy, earning new financial and non-financial clients, and ensuring our product offerings are highly competitive.
+Added: We believe this process ensures we understand the Voice of the Customer and contributes to our excellent retention rates.
+Added: We focus on building long-term client relationships and continually expanding and strengthening them.
+Added: We do this through providing products and services aligned with our clients' strategies, acquiring new financial and non-financial clients, and ensuring our offerings remain highly competitive.
The majority of our support and services revenue is derived from our private and public cloud services for our hosted clients that are typically on a six-year contract, recurring electronic payment solutions that are generally on a contract term of six years, and our on-premise clients that are typically on a one-year contract.
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For further discussion of our human capital considerations, see "Human Capital" below.
−Removed: Our core banking solutions generally serve commercial banks and savings institutions with up to $55 billion and above in assets and are designed to be capable of serving institutions with up to $150 billion in assets.
−Removed: We complete annual, third-party testing to validate this capability each August.
+Added: Our core banking solutions generally serve commercial banks and savings institutions from de novo banks to those with up to $55 billion in assets.
According to the Federal Deposit Insurance Corporation (“FDIC”), there were approximately 4,300 commercial banks and savings institutions in the $55 billion and under asset range as of December 31, 2025, and we currently support over 900 of these banks with one of our three core information processing platforms and a significant number of complementary/payment products and services.
Our core credit union solutions serve credit unions of all asset sizes.
−Removed: According to America's Credit Unions ("ACU") (formerly Credit Union National Association), there were 4,550 domestic credit unions as of December 31, 2024, and we currently support approximately 715 of these credit unions with one flagship core information processing platform and a significant number of complementary/payment products and services.
−Removed: Our non-core solutions serve banks and credit unions of all asset sizes and charters and other diverse corporate entities.
+Added: According to America's Credit Unions ("ACU") (formerly Credit Union National Association), there were approximately 4,400 domestic credit unions as of December 31, 2025, and we currently support over 700 of these credit unions with one flagship core information processing platform and a significant number of complementary/payment products and services.
+Added: Our core agnostic solutions serve banks and credit unions of all asset sizes and charters and other diverse corporate entities.
We support these organizations with specialized solutions for generating additional revenue and growth, increasing security, mitigating operational risks, and controlling operating costs.
+Added: Our products and solutions are designed to support banks and credit unions of all asset sizes.
+Added: We complete annual, third-party testing to validate our scalability.
+Added: Today, we support core clients with up to $55 billion in assets, payments clients with up to $200 billion and above in assets, and complementary clients with up to $500 billion and above in assets.
The FDIC reports the number of commercial banks and savings institutions declined 13% from the end of calendar year 2020 to the end of calendar year 2025, due mainly to mergers and acquisitions.
Although the number of banks continued to decline at a 3% compound annual rate during this period, aggregate assets increased at a compound annual rate of 3% and totaled $25.3 trillion as of December 31, 2025.
−Removed: There were six new bank charters issued in calendar year 2024 and six issued in the 2023 calendar year.
−Removed: Comparing calendar years 2024 to 2023, the number of transactions of FDIC-insured banks acquiring or merging with other banks or credit unions decreased 18%.
+Added: There were four new bank charters issued in calendar year 2025 and six issued in the 2024 calendar year.
+Added: Comparing calendar years 2025 to 2024, the number of transactions of FDIC-insured banks acquiring or merging with other banks or credit unions increased 55%.
ACU reports the number of credit unions declined 16% from the end of calendar year 2020 to the end of calendar year 2025.
Although the number of credit unions declined at a 3% compound annual rate during this period, aggregate assets increased at a compound annual rate of 6% and totaled $2.5 trillion as of December 31, 2025.
−Removed: Despite continued industry consolidation, Jack Henry net core footprints increased year-over-year from calendar year 2023 to calendar year 2024 in both bank and credit union client bases.
−Removed: Furthermore, the average assets under management for our banking core clients grew from $1.26 billion to $1.29 billion, and the average assets under management for our credit union core clients grew from $1.17 billion to $1.20 billion.
+Added: Despite continued industry consolidation, the average assets under management for our banking core clients grew from $1.29 billion to $1.42 billion, and the average assets under management for our credit union core clients grew from $1.20 billion to $1.31 billion.
Community and regional banks and credit unions are vitally important to the communities, consumers, and businesses they serve as well as to the local economies where they operate.
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• Expanding each core client relationship by cross-selling complementary/payment products and services that enhance the functionality provided by our core processing systems.
−Removed: • Delivering non-core highly specialized core-agnostic complementary/payment products and services to banks and credit unions, including institutions not utilizing one of our core processing systems, and diverse corporate entities.
+Added: • Delivering highly specialized core-agnostic complementary/payment products and services to banks and credit unions, including institutions not utilizing one of our core processing systems, and diverse corporate entities.
• Developing and deploying a long-term technology modernization strategy to provide public cloud-native solutions that provide clients with greater flexibility, optionality, open integration, speed to market, and other benefits.
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• Growing our market share of services to small and medium-sized businesses, offering features through banks and credit unions.
+Added: • Expanding market share and adoption of payments capabilities and digital solutions.
+Added: • Harnessing artificial intelligence ("AI") to boost internal efficiency and unlock new benefits for clients.
+Added: • Fostering an open ecosystem and access to high-grade fintechs.
• Building, maintaining, and enhancing a protected environment and tools that help our clients and Jack Henry protect accountholder data, assets, and comply with regulations.
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The Jack Henry Platform leverages public cloud advantages, including high system availability, rapid processing, modern security standards, easily deployable upgrades, and scalability.
+Added: The Jack Henry Platform also serves as a connective layer across our existing core systems, linking foundational core capabilities with newer, rapidly evolving innovations.
+Added: By providing a unified integration framework, the platform enables solutions such as stablecoin capabilities, Rapid Transfers, and Tap2Local TM to seamlessly extend across our core environments — allowing clients to adopt new functionality without disrupting their core operations.
+Added: Small and Medium-Sized Business (SMB) Strategy
+Added: We are focused on helping banks and credit unions grow and better serve their SMB customers by delivering innovative, easy-to-adopt capabilities that enhance payment experiences and improve cash flow management.
+Added: A key component of this strategy is expanding access to modern, embedded payment capabilities that are purpose-built for how SMBs and their customers transact today.
+Added: Tap2Local TM enables secure, in-person payments by allowing businesses to accept transactions directly through compatible mobile devices, reducing the need for dedicated hardware and simplifying the payment experience.
+Added: This functionality helps small businesses more easily accept payments in a variety of settings while maintaining a seamless and secure connection to their financial institution.
+Added: Rapid Transfers complements this capability by enabling faster movement of funds for both SMBs and consumers.
+Added: By accelerating the availability of funds, Rapid Transfers helps improve liquidity, support more efficient cash flow management, and meet growing expectations for instant access to money.
+Added: Together, these capabilities allow banks and credit unions to offer modern payment experiences that strengthen relationships with both business and retail accountholders.
Acquisition Strategy
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• Provide selective opportunities to sell outside our traditional markets in the financial services industry.
−Removed: After nearly 50 years in business, we have very few gaps in our product line, so it is increasingly difficult to find proven products or services that would enable our clients and prospects to better optimize their business opportunities or solve specific operational issues.
−Removed: In addition, we see few acquisition opportunities that would
−Removed: expand our market or enable our entry into adjacent markets within the financial services industry that are fairly priced or that we could assimilate into our Company without material distractions.
+Added: After 50 years in business, we have very few gaps in our product line, so it is increasingly difficult to find proven products or services that would enable our clients and prospects to better optimize their business opportunities or solve specific operational issues.
+Added: In addition, we see few acquisition opportunities that would expand our market or enable our entry into adjacent markets within the financial services industry that are fairly priced or that we could assimilate into our Company without material distractions.
We have a solid track record of executing acquisitions from both a financial and operational standpoint, and we will continue to pursue acquisition opportunities that support our strategic direction, complement and accelerate our organic growth, and generate long-term profitable growth for our stockholders.
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Fiscal Year Company or Product Name Products and Services
−Removed: 2023 Payrailz, LLC ("Payrailz") Provider of cloud-native modern digital payment capabilities leveraging AI and machine learning features for the financial services industry.
+Added: 2026 Victor Technologies, Inc.
+Added: Provider of cloud-native, API-first direct-to-core embedded payments solutions.
• Our core banking solutions support commercial banks with information and transaction processing platforms that provide enterprise-wide automation.
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We also re-market the hardware required by on-premise use of the software system.
−Removed: Our credit union solution can be delivered on-premise, through our private cloud, or through our partner private cloud delivery models.
+Added: Our credit union solution can be
+Added: delivered on-premise, through our private cloud, or through our partner private cloud delivery models.
Each is backed by our company-wide commitment to provide exceptional client support.
−Removed: • Our non-core solutions for banks, credit unions, and diverse corporate entities are specialized products and services assembled primarily through our focused diversification acquisition strategy.
+Added: • Our core agnostic solutions for banks, credit unions, and diverse corporate entities are specialized products and services assembled primarily through our focused diversification acquisition strategy.
These core-agnostic solutions are compatible with a wide variety of information technology platforms and operating environments and offer a large number of complementary/payment solutions, including proven solutions for generating additional revenue and growth, increasing security and mitigating operational risks, and/or controlling operating costs.
−Removed: Our non-core products and services enhance the performance of banks and credit unions of all asset sizes and charters, and diverse corporate entities.
+Added: Our core agnostic products and services enhance the performance of banks and credit unions of all asset sizes and charters, and diverse corporate entities.
These distinct products and services can be implemented individually or as solution suites to address specific business problems or needs and enable effective responses to dynamic industry trends.
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Core banking platforms are:
−Removed: • SilverLake System ® , a robust system primarily designed for commercial-focused banks that currently serves banks with assets ranging from $1 billion to over $55 billion.
+Added: • SilverLake System ® , a robust system primarily designed for commercial-focused banks that currently serves banks with assets ranging from $1 billion to up to $55 billion.
Some progressive smaller banks and de novo (start-up) banks also select SilverLake.
−Removed: This system is in use by 520 banks, and now serves nearly 12% of the domestic banks in the $55 billion and under asset range.
−Removed: • CIF 20/20 ® , a parameter-driven, easy-to-use system that now supports 260 banks ranging from de novo institutions to those with assets of $6 billion.
−Removed: • Core Director ® , a cost-efficient system with point-and-click operation that now supports over 170 banks ranging from de novo institutions to those with assets of $2 billion.
+Added: This system is in use by over 500 banks, and now serves approximately 13% of the domestic banks in the $55 billion and under asset range.
+Added: • CIF 20/20 ® , a parameter-driven, easy-to-use system that now supports over 200 banks ranging from de novo institutions to those with assets of over $1 billion.
+Added: • Core Director ® , a cost-efficient system with point-and-click operation that now supports approximately 200 banks ranging from de novo institutions to those with assets of over $2 billion.
Core credit union platform is:
• Symitar ® (formerly known as Episys ® ), a robust system designed specifically for credit unions.
−Removed: It has been implemented by approximately 715 credit unions with assets ranging from $20 million to $33 billion, and according to National Credit Union Administration ("NCUA") data, is the system implemented by more credit unions with assets exceeding $25 million than any other credit union core system.
+Added: It has been implemented by over 700 credit unions with assets ranging from $21 million to over $36 billion, and according to National Credit Union Administration ("NCUA") data, is the system implemented by more credit unions with assets exceeding $100 million than any other credit union core system.
Clients electing to install our solutions on-premise license the proprietary software systems.
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Complementary Products and Services
−Removed: We have a large number of complementary/payment products and services that are targeted to our core banks and credit unions.
+Added: We have a large number of complementary products and services that are targeted to our core banks and credit unions.
Many of these are selectively sold to banks and credit unions that use other core processing systems.
−Removed: These complementary/payment solutions enable core bank and credit union clients to respond to evolving accountholder demands, expedite speed-to-market with competitive offerings, increase efficiency, address specific operational needs, and generate new revenue streams.
+Added: These complementary solutions enable core bank and credit union clients to respond to evolving accountholder demands, expedite speed-to-market with competitive offerings, increase efficiency, address specific operational needs, and generate new revenue streams.
The highly specialized solutions enable diverse banks, credit unions, and corporate entities to generate additional revenue and growth opportunities, increase security, mitigate operational risks, and control operating costs.
−Removed: We regularly introduce new products and services based on demand for integrated complementary/payment solutions from our existing core clients and based on the growing demand among banks, credit unions, and corporate entities for specialized solutions capable of increasing revenue and growth opportunities, mitigating and controlling operational risks, and/or containing costs.
+Added: We regularly introduce new products and services based on demand for integrated complementary solutions from our existing core clients and based on the growing demand among banks, credit unions, and corporate entities for specialized solutions capable of increasing revenue and growth opportunities, mitigating and controlling operational risks, and/or containing costs.
Our Industry Research department solicits client guidance on the business solutions they need, evaluates available solutions and competitive offerings, and manages the introduction of new product offerings.
−Removed: Our new complementary/payment products and services are developed internally, acquired, or provided through strategic alliances.
+Added: Our new complementary products and services are developed internally, acquired, or provided through strategic alliances.
Implementation and Training
−Removed: Most of our core bank and credit union clients contract with us for implementation and training services in connection with their systems and additional complementary products.
+Added: Most of our bank and credit union clients contract with us for implementation and training services in connection with their core systems and additional complementary products.
A complete core system implementation typically includes detailed planning, project management, data conversion, and testing.
−Removed: Our experienced implementation teams travel to client facilities or work remotely with clients to help
−Removed: manage the implementation process and ensure that all data is transferred from the legacy system to the Jack Henry system.
+Added: Our experienced implementation teams travel to client facilities or work remotely with clients to help manage the implementation process and ensure that all data is transferred from the legacy system to the Jack Henry system.
Our implementation fees are fixed or hourly based on the core system being installed.
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• Broad experience converting diverse banks and credit unions to our core platforms from competitive platforms.
+Added: • Industry experts to offer best practice technology and operational consulting services.
• Highly effective change management and control processes.
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It's a comprehensive business and retail open platform delivering attractive, fast, cloud-native applications for accountholders and cloud-based, core-connected back-office tools for employees.
−Removed: Our treasury platform is a separate digital product that services the needs of banks' and credit unions' larger commercial customers.
+Added: Our treasury platform is a separate digital product that services the needs of banks' larger commercial customers.
Payment Solutions
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all tailored to individual bank and credit union goals and concerns.
−Removed: • Enterprise Payment Solutions ("EPS") is a comprehensive payments engine, offering an integrated suite of Automated Clearing House ("ACH"), instant payments, credit card, and remote deposit capture processing that
−Removed: includes supporting tools for accounts receivable posting, risk management, reporting, and application interfaces ("APIs") for banks, credit unions, businesses, and fintechs of all sizes.
+Added: • Enterprise Payment Solutions ("EPS") is a comprehensive payments engine, offering an integrated suite of Automated Clearing House ("ACH"), instant payments, credit card, and remote deposit capture processing that includes supporting tools for accounts receivable posting, risk management, reporting, and application interfaces ("APIs") for banks, credit unions, businesses, and fintechs of all sizes.
EPS helps clients succeed in today’s competitive market to increase revenue, improve efficiencies, better manage compliance, and enhance accountholder relationships.
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It supports our technology modernization strategy by providing next-generation, cloud-native digital payment capabilities to our payment ecosystem.
−Removed: This money movement payments platform incorporates artificial intelligence ("AI") to make predictive and proactive recommendations, a flexible modern user experience, a layered security model, an automated fraud feature powered by machine learning, and a contemporary, adaptable administrative portal.
+Added: This money movement payments platform incorporates AI to make predictive and proactive recommendations, a flexible modern user experience, a layered security model, an automated fraud feature powered by machine learning, and a contemporary, adaptable administrative portal.
In addition to bill payment capabilities, we provide a 'pay a loan' feature, an 'open looped' real-time person-to-person ("P2P") solution, and account-to-account ("A2A") transfer features.
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• JHA PayCenter TM provides banks and credit unions with a single entry point to both Zelle ® and Real Time Payments ("RTP") networks, and the Federal Reserve's FedNow ® network.
−Removed: PayCenter manages the certification process and mandatory updates from the networks, simplifies integration with toolkits, and provides fraud monitoring.
+Added: PayCenter manages the certification process and mandatory updates from the payment networks, simplifies integration with toolkits, and provides fraud monitoring.
Banks and credit unions can send and receive transactions instantly 24 hours a day, 365 days a year, through our core and complementary solutions.
−Removed: • Payments as a Service ("PaaS") supports embedded payment capabilities and ties together and further enhances the complete array of electronic payments functionality with a front-end Payments Developers Experience Portal, APIs, and back-end data analytics.
+Added: • Payments Orchestrator ("PO") is a modern API-first, direct-to-core embedded payments platform, for large corporate and bank-fintech partnerships that accelerate growth.
+Added: It supports multiple payment rails to deliver instant payments, ACH processing, and wire transfers on a single API platform.
+Added: PO embeds highly scalable Virtual Accounts with real-time reconciliation of inbound and outbound payments, and built agnostically to directly integrate with a core (currently today, integrates directly with Jack Henry SilverLake System ® ) for streamlined efficiency and a single source of truth.
Research and Development
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The marketing and sales initiatives within the core business lines are primarily focused on identifying banks and credit unions evaluating alternative core information and transaction processing solutions.
−Removed: Our non-core specialized core-agnostic niche solutions are sold to complement existing technology platforms to banks and credit unions of all asset sizes and charters.
+Added: Our specialized core-agnostic niche solutions are sold to complement existing technology platforms to banks and credit unions of all asset sizes and charters.
Sales executives are responsible for the activities required to earn new clients in assigned territories, and regional account executives are responsible for nurturing client relationships and cross selling additional products and services.
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Sales support staff provide a variety of services, including product and service demonstrations, responses to prospect-issued requests-for-proposals, and proposal and contract generation.
−Removed: Our marketing department supports sales with lead generation and brand-building activities, including participation in state-specific, regional, and national trade shows;
+Added: Our marketing department supports sales with lead generation, product adoption, and brand-building activities, including participation in state-specific, regional, and national trade shows;
print and online advertising;
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The market for companies providing technology solutions to financial services organizations is competitive, and we expect that competition from both existing competitors and companies entering our existing or future markets will remain strong.
−Removed: Some of our current competitors have longer operating histories, larger client bases, and greater
−Removed: financial resources.
+Added: Some of our current competitors have longer operating histories, larger client bases, and greater financial resources.
The principal competitive factors affecting the market for technology solutions include culture, service, innovation, strategy, and execution, along with product/service functionality, price, operating flexibility, and ease-of-use.
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and Finastra.
−Removed: Our non-core specialized solutions compete with an array of disparate vendors that provide niche solutions to financial services organizations and corporate entities.
+Added: Our core agnostic solutions compete with an array of disparate fintech vendors that provide niche solutions to financial services organizations and corporate entities.
Intellectual Property, Patents, and Trademarks
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We have processes in place to inform internal stakeholders of new and revised regulatory requirements.
−Removed: Upcoming regulatory changes also are presented to the Company’s development teams through periodic regulatory compliance meetings and the necessary product changes are included in the ongoing product development cycle.
+Added: Upcoming regulatory changes also are presented to the Company’s development teams through periodic regulatory
+Added: compliance meetings and the necessary product changes are included in the ongoing product development cycle.
We publish newsletters to keep our clients informed of regulatory changes that could impact their operations.
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We cannot predict the impact these regulations, any future amendments to these regulations or any newly implemented regulations will have on our business in the future.
−Removed: Jack Henry is not chartered by the Office of the Comptroller of Currency ("OCC"), the Board of Governors of the Federal Reserve System, the FDIC, the NCUA or other federal or state agencies that regulate or supervise depository institutions.
−Removed: However, operating as a service provider to banks and credit unions, Jack Henry’s operations are governed by the same regulatory requirements as those imposed on financial institutions, and
−Removed: subject to periodic reviews by FBA regulators who have broad supervisory authority to remedy any shortcomings identified in such reviews.
+Added: Jack Henry is not chartered by the Office of the Comptroller of the Currency ("OCC"), the Board of Governors of the Federal Reserve System, the FDIC, the NCUA or other federal or state agencies that regulate or supervise depository institutions.
+Added: However, operating as a service provider to banks and credit unions, Jack Henry’s operations are governed by the same regulatory requirements as those imposed on financial institutions, and subject to periodic reviews by FBA regulators who have broad supervisory authority to remedy any shortcomings identified in such reviews.
Jack Henry is also subject to periodic examinations by the Consumer Financial Protection Bureau (“CFPB”), which provides supervision and enforcement related to federal consumer financial laws applicable to some products and services offered by our clients.
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We seek to actively listen to our associates throughout the year using a defined and continuous listening strategy designed to gather regular feedback on well-being, engagement, leadership, ethics, culture and values, satisfaction, and sense of belonging, through channels such as our annual engagement survey, pulse surveys, skip-a-level interviews, and town halls.
−Removed: This comprehensive strategy allow us to respond to associate concerns, benefit from associate perspectives, and better design and develop processes to support our Company culture.
+Added: This comprehensive strategy allows us to respond to associate concerns, benefit from associate perspectives, and better design and develop processes to support our Company culture.
Associates can learn about changes through our internal online news center, regular email communications, monthly Manager Forum events, quarterly associate update videos, or all-associate town hall meetings delivered by senior management.
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Recognizing the importance of mentoring in career development, we host an internal mentorship marketplace, which allows prospective mentors and mentees to connect and self-initiate a mentoring relationship.
−Removed: Career mobility
−Removed: and personal development resources are available to all associates through dedicated intranet sites including an internal career website where associates can explore new opportunities, register their skills, and view salary ranges.
+Added: Career mobility and personal development resources are available to all associates through dedicated intranet sites including an internal career website where associates can explore new opportunities, register their skills, and view salary ranges.
We continue to strengthen our leadership capacity by providing training on effective coaching practices to leaders of the Company.
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Our benefit plan offerings include supportive and dedicated campaigns that communicate directly to associates about financial wellness, mental health, healthful nutrition and exercise, and other wellness topics.
−Removed: Associate well-being is further supported through policies such as remote work, paid parental leave, military service leave, educational assistance, and bereavement leave policies, as well as paid time off, adoption assistance, an employee assistance program, wellness incentives, and paid community volunteer hours.
+Added: Associate well-being is further supported through policies such as remote work, paid parental leave, military service leave, educational assistance, and bereavement leave policies, as well as paid time off, adoption assistance, an employee assistance program, paid community volunteer hours, and a wellness day.
Available Information
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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.