Risk Factors Dashboard

Once a year, publicly traded companies issue a comprehensive report of their business, called a 10-K. A component mandated in the 10-K is the ‘Risk Factors’ section, where companies disclose any major potential risks that they may face. This dashboard highlights all major changes and additions in new 10K reports, allowing investors to quickly identify new potential risks and opportunities.

Risk Factors - GGROU

-New additions in green
-Changes in blue
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Item 1A. RISK FACTORS

As a smaller reporting company, we are not required to provide disclosure pursuant to this Item.

Item 1B. UNRESOLVED STAFF COMMENTS

As a smaller reporting company, we are not required to provide disclosure pursuant to this Item.

Item 1C. CYBERSECURITY

Cybersecurity risk management and strategy

The Cooperative’s Board of Directors recognizes the significance that cybersecurity has on our business, particularly the security of our member data, and is responsible for overseeing risks to the Cooperative from cybersecurity threat actors. Our operations rely on various information systems and technologies, mainly those provided by third party providers. These systems collect, process, transmit and retain information that may require both mandatory and voluntary data protection regimens.

Our cybersecurity practices are designed to provide reasonable information security given the nature of our organization and our third-party relationships. We rely on the representations and certifications of key partnerships with suppliers recognizing these third-party relationships introduce additional cybersecurity risks. To address these third-party risks, we have established strict criteria for supplier selection and conduct security risk assessments to mitigate potential impacts on our business.

The Cooperative’s Board of Directors contracts with a Managed Security Service Provider. Our Managed Security Service Provider services include: (i) managed IT services, consisting of timely software installation and updates, data backup and recovery, and system monitoring and reporting; and (ii) cyber security services, consisting of firewall management, intrusion detection and prevention, malware and virus protection, security audits and vulnerability assessments, security incident response, and employee awareness training. In addition, our Managed Security Service Provider conducts risk assessments and provides recommendations to the Executive Vice President and the Board of Directors, provides threat containment and mitigation services, assists the Cooperative with cybersecurity compliance, and would coordinate with insurance carriers and law enforcement in the event of a cybersecurity incident.

Cybersecurity governance

The Cooperative’s Board of Directors believes a strong cybersecurity strategy is vital to protect our business operations, sustain our control environment and honor our data protection obligations. The Board has delegated to its Finance & Audit Committee the responsibility for monitoring the effectiveness of the Cooperative’s internal cybersecurity practices. The Executive Vice President manages the Cooperative’s cybersecurity-related risks, communicates with suppliers and other third-party providers regarding cybersecurity threats, incidents, plans and responses, and reports to the Finance & Audit Committee and/or the entire Board regarding such cybersecurity threats, incidents, plans and responses on at least a semi-annual basis, and more often as needed.

During 2025, the Cooperative did not experience any cybersecurity threats or incidents that have materially affected or are reasonably likely to materially affect the Cooperative, including its business strategy, results of operations, or financial condition.

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