Our business is highly competitive, rapidly evolving and fragmented, and subject to disruptive technologies with low barriers to entry, to shifting customer needs and to frequent introductions of new products and services. As our business expands and the industries in which we operate evolve, we increasingly find ourselves in competition with solutions and alternative approaches to solving customer needs, including, among others: enterprise application software vendors (including cloud-based and traditional on-premises vendors) such as Oracle.  **[0001373715-25-000010_now-20241231.htm:15]** 

Oracle Corp

Our business is highly competitive, rapidly evolving and fragmented, and subject to disruptive technologies with low barriers to entry, to shifting customer needs and to frequent introductions of new products and services. As our business expands and the industries in which we operate evolve, we increasingly find ourselves in competition with solutions and alternative approaches to solving customer needs, including, among others: enterprise application software vendors (including cloud-based and traditional on-premises vendors) such as SAP.  **[0001373715-25-000010_now-20241231.htm:15]** 

SAP SE

Our business is highly competitive, rapidly evolving and fragmented, and subject to disruptive technologies with low barriers to entry, to shifting customer needs and to frequent introductions of new products and services. As our business expands and the industries in which we operate evolve, we increasingly find ourselves in competition with solutions and alternative approaches to solving customer needs, including, among others: enterprise application software vendors (including cloud-based and traditional on-premises vendors) such as Salesforce.  **[0001373715-25-000010_now-20241231.htm:15]** 

Salesforce Inc

Our business is highly competitive, rapidly evolving and fragmented, and subject to disruptive technologies with low barriers to entry, to shifting customer needs and to frequent introductions of new products and services. As our business expands and the industries in which we operate evolve, we increasingly find ourselves in competition with solutions and alternative approaches to solving customer needs, including, among others: enterprise application software vendors (including cloud-based and traditional on-premises vendors) such as Workday.  **[0001373715-25-000010_now-20241231.htm:15]** 

Nicholas Tzitzon

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