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HROW US Equity

Harrow, Inc.Health Care · Pharmaceutical Preparations · CIK 1360214 · FY ends Dec 31
$41.64
+2.12 (+5.36%)
USD · as of 2026-08-19 · marketstack

HROW · 10-K · period ended 2024-12-31

← all HROW documents
filed 2025-03-27 · EDGAR original ↗

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ITEM 1A. RISK FACTORS

Risk Factors Summary

We are subject to a variety of

risks and uncertainties, including financial risks, operational risks, human capital risks, legal proceedings and regulatory risks and

certain general risks, that could have a material adverse effect on our business results of operations, financial condition and prospects.

Risks that we deem material are described below and include, but are not limited to, the following:

Risks Related to Economic Conditions and Operations

of Our Business.

● Our ability to achieve and maintain profitability for our business

● Our current indebtedness and ability to access additional capital

Risks Related to Government Regulations and Third-Party

Policies

Risks Related to Competition

● Retention, recruitment, and training of senior management and key personnel

Risks Related to Product Development, Regulatory

Approval, Manufacturing and Commercialization

● Our drug candidates may face competition sooner than we expect

Risks Related to Our Indebtedness

Risks Related to Our Common Stock

● Volatility of the price of our common stock

● Our stock price falling as a result of future offerings or sales

You should carefully consider

the following risk factors in addition to the other information contained in this Annual Report. Our business, financial condition, results

of operations, and prices of our common stock and Notes could be materially adversely affected by any of these risks.

Risks Related to Economic Conditions and Operations

of Our Business.

We may not be profitable in the future.

As of December 31, 2024, our

accumulated deficit was $(151,385,000). Our current projections indicate that we will have operating income and/or net income during

2025; however, these projections may not be correct and our plans could change. Also, we could incur increasing operating losses in the

foreseeable future for our commercialization activities, research and development, and our pharmaceutical compounding business, which

would impact net income. Although we have been generating revenue from our operations, our ability to generate the revenues necessary

to achieve and maintain profitability will depend on many factors, including those discussed in this “Risk Factors” section.

Our business plan and strategies involve costly activities that are susceptible to failure, and, therefore, we may not be able to generate

sufficient revenue to support and sustain our business or reach the level of sales and revenues necessary to achieve and sustain profitability.

We may not receive sufficient revenue to fund

our operations and recover our development costs.

Our business plan involves the

sale and marketing of FDA-approved products, compounded formulations and drug candidates through third-party wholesaler and pharmacy

channels and our ImprimisRx facilities. We have limited experience selling FDA-approved products, and we may be unable to successfully

manage this business or generate sufficient revenue to recover our development costs and operational expenses. We may have only limited

success in marketing and selling our products. Although we have established and plan to grow our internal sales teams to market and sell

our products, we have limited experience with such activities and may not be able to generate sufficient physician and patient interest

in our products to generate significant revenue from sales of these products.

We may fail to realize the anticipated benefits

of our recent and any future product acquisitions.

The success of our product

acquisitions will depend on, among other things, our ability to integrate the products into our commercial platform, transfer the

products NDAs, maintain and obtain sufficient payor reimbursement coverage, maintain an adequate supply of the products, market the

products to our existing customers and re-introduce TRIESENCE to the ophthalmic market. If we experience difficulties with the

implementation of plans with respect to our acquisitions, the anticipated benefits of recent or future acquisitions may not be

realized fully or at all, or may take longer to realize than expected. Integration efforts will also divert management’s

attention and resources. These matters could have an adverse effect during any transition period and for an undetermined period

after completion of the acquisitions.

We may not be able to correctly estimate our

future operating expenses, which could lead to cash shortfalls.

The estimates of our future

operating and capital expenditures are based upon our current business plan, our current operations and our current expectations

regarding the commercialization of our proprietary formulations. Our projections have varied significantly from actual performance

in the past as a result of changes to our business model, strategy and acquisitions. We may not accurately estimate the potential

revenues and expenses of our operations. If we are unable to correctly estimate the amount of cash necessary to fund our business,

we could spend our available financial resources much faster than we expect. If we do not have sufficient funds to continue to

operate and develop our business, we could be required to seek additional financing earlier than we expect, which may not be

available when needed or at all, or be forced to delay, scale back or eliminate some or all of our proposed operations.

If we do not successfully identify and acquire

rights to new products and drug candidates and successfully integrate them into our operations, our growth opportunities may be limited.

We plan to pursue the development

of new FDA approved products and drug candidates which may include continued activities to develop and commercialize current assets or,

if and as opportunities arise, potential acquisitions of new intellectual property rights and assets. We have historically relied, and

we expect to continue to rely, primarily upon third parties to provide us with additional development opportunities. We may seek to enter

into acquisition agreements or licensing arrangements to obtain rights to develop new formulations and FDA approved products in the future,

but only if we are able to identify attractive products and formulations and negotiate acquisition or license agreements on terms acceptable

to us, which we may not be able to do. Moreover, we have limited resources to acquire additional potential product development assets

and integrate them into our business. Acquisition opportunities may involve competition among several potential purchasers, which could

include large multi-national pharmaceutical companies and other competitors that have access to greater financial resources than we do.

If we are unable to obtain rights to development and commercial opportunities from third parties and we are unable to rely upon our compounding

pharmacies and current and future relationships with pharmacists, physicians and other inventors to provide us with additional development

opportunities, our growth and prospects could be limited.

Our product development strategy

is to focus on ophthalmology and eye care related products and formulations for which we believe there is broad market potential, large

unmet needs and/or unique value to physicians and patients and to develop and offer formulations and products within these therapeutic

areas that could afford us with gross and operating margins consistent with our current and historical figures. However, our expectations

and assumptions about market potential and patient needs may prove to be wrong, and we may invest capital and other resources on products,

drug candidates, and formulations that do not generate sufficient revenues for us to recoup our investment.

We may be unable to successfully develop and

commercialize our drug products, candidates or any other assets we may acquire.

We have acquired assets related

to drug products and drug candidates. We are currently pursuing development and commercialization opportunities with respect to a number

of these products and drug candidates, and we are in the process of assessing certain of our other assets in order to determine whether

to pursue their development or commercialization. In addition, we expect to consider the acquisition of additional intellectual property

rights or other assets in the future. Once we decide to pursue a potential drug candidate, we develop a commercialization strategy for

it, which may include pursuing FDA approval of the drug candidate. We may incorrectly assess the risks and benefits of the commercialization

options or we may not pursue a commercialization strategy that proves to be successful. If we are unable to successfully commercialize

one or more of our drug products and drug candidates, our operating results would be adversely affected. Even if we are able to successfully

sell one or more drug products and drug candidates, we may never recoup our investment in acquiring or developing the drug products and

drug candidates. Our failure to identify and expend our resources and technologies with commercial potential and execute an effective

commercialization strategy for each of our drug products and drug candidates would negatively impact the long-term profitability of our

business.

We may need additional capital in order to

continue operating our business and to operate as a going concern, and such additional funds may not be available when needed, on acceptable

terms, or at all.

We may need significant additional

capital to execute our business plan, execute on future acquisitions and fund our proposed business operations. Additionally, our plans

may change or the estimates of our operating expenses and working capital requirements could be inaccurate, we may pursue acquisitions

of FDA-approved products, drug candidates, pharmacies or other strategic transactions that involve large expenditures, or we may experience

growth more quickly or on a larger scale than we expect, any of which may result in the depletion of capital resources more rapidly than

anticipated and could require us to seek additional financing earlier than we expect to support our operations.

In January 2026 debt in the

amount of $107,500,000 principal amount becomes due under the Oaktree Loan. The maturity of this debt obligation without a

refinancing event could raise substantial doubt about the Company’s ability to continue as a going concern. While the Company

is currently in discussions with its current senior secured lender and other potential lenders about refinancing and management

believes it is probable that the Company will be able to refinance such amount based on the Company’s collateral strength and expected cash flows

from operations, there can be no assurance that the Company

completes a refinancing on terms acceptable to it, or at all. If the Company is unable to successfully refinance the Oaktree Loan,

the Company does not expect to have the ability to repay the amount in full. The Company believes that one of the other alternatives

available to it is the sale of one or more of the Company’s assets. There can be no assurance that any sale could be completed

on a timely basis or on terms acceptable to the Company.

We have raised over $375,000,000

in gross proceeds through equity and debt financings since 2021. We may seek to obtain additional capital through equity or debt financings,

funding from corporate partnerships or licensing arrangements, sales of assets or other financing transactions. If we issue additional

equity or convertible debt securities to raise funds, our existing stockholders may experience substantial dilution, and the newly issued

equity or debt securities may have more favorable terms or rights, preferences and privileges senior to those of our existing stockholders.

If we raise additional funds through collaboration and licensing arrangements or sales of assets, we may have to relinquish potentially

valuable rights to our drug candidates or proprietary technologies, or grant licenses on terms that are not favorable to us. If we raise

funds by incurring additional debt, we may be required to pay significant interest expenses and our leverage relative to our earnings

or to our equity capitalization may increase. Obtaining commercial loans, assuming those loans would be available, would increase our

liabilities and future cash commitments and may impose restrictions on our activities, such as the financial and operating covenants.

Further, we may incur substantial costs in pursuing future capital and/or financing transactions, including investment banking fees,

legal fees, accounting fees, printing and distribution expenses and other costs. We may also be required to recognize non-cash expenses

in connection with certain securities we may issue, such as options, convertible notes and warrants, which would adversely impact our

financial results.

We have in the past participated and may in

the future participate in strategic transactions that could impact our liquidity, increase our expenses and distract our management.

From time to time, we consider

engaging in strategic transactions, such as out-licensing or in-licensing of compounds, drug candidates, drug products or technologies,

acquisitions of companies, and asset purchases. We may also consider a variety of different business arrangements in the future, including

strategic partnerships, joint ventures, spin-offs, carve-outs, restructurings, divestitures, business combinations and investments. In

addition, another entity may pursue us or certain of our assets or aspects of our operations as an acquisition target. Any such transactions

may require us to incur expenses specific to the transaction and not incident to our operations, may increase our near- and long-term

expenditures, may pose significant integration challenges, may require us to hire or otherwise engage personnel with additional expertise,

or may result in our selling or licensing of our assets or technologies under terms that may not prove profitable, any of which could

harm our operations and financial results. Such transactions may also entail numerous other operational and financial risks, including,

among others, exposure to unknown liabilities, disruption of our business and diversion of our management’s time and attention

in order to develop acquired products, drug candidates, technologies or businesses.

As part of our efforts to complete

any significant transaction, we would need to expend significant resources to conduct business, regulatory, legal and financial due diligence,

with the goal of identifying and evaluating material risks involved in the transaction. We may be unsuccessful in ascertaining or evaluating

all the risks and, as a result, we may not realize the expected benefits of the transaction, whether due to unidentified risks, integration

difficulties, regulatory setbacks or other events. We may incur material liabilities for the past activities of any businesses we partner

with or acquire. If any of these events occur, we could be subject to significant costs and damage to our reputation, business, results

of operations and financial condition.

If we are unable to establish, train and maintain

an effective sales and marketing infrastructure, we will not be able to commercialize our drug candidates successfully.

We have built an internal sales

and marketing infrastructure to implement our business plan by developing internal sales teams and education campaigns to market our

proprietary formulations and FDA-approved drug products. We will need to expend significant resources to further establish and grow this

internal infrastructure and properly train sales personnel with respect to regulatory compliance matters. We may also choose to engage

or enter into other arrangements with third parties to provide sales and marketing services for us in place of or to supplement our internal

commercialization infrastructure. We may not be able to secure sales personnel or relationships with third-party sales organizations

that are adequate in number or expertise to successfully market and sell our proprietary formulations, drug products and pharmacy services.

Further, any third-party organizations we may seek to partner with or engage may not be able to provide sales and marketing services

in accordance with our expectations and standards, may be more expensive than we can afford or may not be available on otherwise acceptable

terms or at all. If we are unable to establish and maintain compliant and adequate sales and marketing capabilities, through our own

internal infrastructure or third-party services or other arrangements, we may be unable to sell our formulations, drug products or services

or generate meaningful revenues.

We depend upon consultants, outside contractors

and other third-party service providers for key aspects of our business.

We are substantially dependent

on consultants and other outside contractors and service providers for key aspects of our business. For instance, we rely upon pharmacist,

physician and research consultants and advisors to provide us with significant assistance in the evaluation of product development opportunities,

and we have engaged or supported, and expect to continue to engage or support, consultants, advisors, contract manufacturers, clinical

research organizations (“CROs”), and others to design, conduct, analyze and interpret the results of any clinical or non-clinical

trials or other studies in connection with the research and development of our products. If any of our consultants or other service providers

terminates its engagement with us, or if we are unable to engage highly qualified replacements as needed on commercially reasonable terms,

we may be unable to successfully execute our business plan. We must effectively manage these third-party service providers to ensure

that they successfully carry out their contractual obligations and meet expected deadlines. However, these third parties often engage

in other business activities and may not devote sufficient time and attention to our activities, and we may have only limited contractual

rights in connection with the conduct of the activities we have engaged the service providers to perform. If we are unable to effectively

manage our outsourced activities or if the quality, timeliness or accuracy of the services provided by third-party service providers

is compromised for any reason, our development activities may be extended, delayed or terminated, and we may not be able to commercialize

our formulations or advance our business.

If a compounded drug formulation provided through

our compounding services leads to patient injury or death or results in a product recall, we may be exposed to significant liabilities

and reputational harm.

The success of our business,

including our proprietary formulations and pharmacy operations, is highly dependent upon medical and patient perceptions of us and the

actual safety and quality of our products. We could be adversely affected if we, any other compounding pharmacies or our formulations

and technologies are subject to negative publicity. We could also be adversely affected if any of our formulations or other products

we sell, any similar products sold by other companies, or any products sold by other compounding pharmacies prove to be, or are asserted

to be, harmful to patients. For instance, if any of the components of approved drugs or other ingredients used to produce our compounded

formulations have quality or other problems that adversely affect the finished compounded preparations, our sales could be adversely

affected. Because of our dependence upon medical and patient perceptions, adverse publicity associated with illness or other adverse

effects resulting from the use or misuse of our products, any similar products sold by other companies, or any other compounded formulations

could have a material adverse impact on our business.

To assure compliance with USP

guidelines, we have a policy whereby 100% of all sterile compound batches produced by our ImprimisRx compounding pharmacies are tested

prior to their delivery to patients and physicians both in-house and externally by an FDA-registered laboratory that has represented

to us that it operates in compliance with current good laboratory practices. However, we could still become subject to product recalls

and termination or suspension of our state pharmacy licenses if we fail to fully implement this policy, if the laboratory testing does

not identify all contaminated products, or if our products otherwise cause or appear to have caused injury or harm to patients. In addition,

laboratory testing may produce false positives, which could harm our business and impact our pharmacy operations and licensure even if

the impacted formulations are ultimately found to be sterile and no patients are harmed by them. If adverse events or deaths or a product

recall, either voluntarily or as required by the FDA or a state board of pharmacy, were associated with one of our proprietary formulations

or any compounds prepared by our ImprimisRx compounding pharmacies or any pharmacy partner, our reputation could suffer, physicians may

be unwilling to prescribe our proprietary formulations or order any prescriptions from such pharmacies, we could become subject to product

and professional liability lawsuits, and our state pharmacy licenses could be terminated or restricted. If any of these events were to

occur, we may be subject to significant litigation or other costs and loss of revenue, and we may be unable to continue our pharmacy

operations and further develop and commercialize our proprietary formulations.

We carry product and professional liability

insurance, which may be inadequate.

Although we have secured product

and professional liability insurance for our products, pharmacy operations and the marketing and sale of our formulations, our current

or future insurance coverage may prove insufficient to cover any liability claims brought against us. Because of the increasing costs

of insurance coverage, we may not be able to maintain insurance coverage at a reasonable cost or at a level adequate to satisfy liabilities

that may arise.

Business disruptions

could seriously harm our future revenue and financial condition and increase our costs and expenses.

Our

operations, and those of CROs, contractors and consultants, could be subject to power shortages, telecommunications failures, wildfires,

water shortages, floods, earthquakes, hurricanes, typhoons, fires, extreme weather conditions, public health crises, and other natural

or man-made disasters or business interruptions for which we are predominantly self-insured. The occurrence of any of these business

disruptions could seriously harm our operations and financial condition and increase our costs and expenses. Our ability to obtain clinical

supplies of our product candidates could be disrupted if the operations of our contract manufacturers or the contract manufacturers of

our development partners are affected by a man-made or natural disaster or other business interruption.

We sell our proprietary formulations primarily

through pharmaceutical compounding facilities we own, but we may not be successful in our efforts to integrate these businesses into

our operations.

We currently have two compounding

facilities in New Jersey. We have developed “ImprimisRx” as a uniform brand for our compounding pharmaceutical business.

As we have in the past purchased and operated certain pharmaceutical compounding businesses and pharmacies and subsequently divested

or sold those associated assets, we may pursue similar strategies in the future. Those things considered, we may experience difficulties

implementing and/or executing on our compounding pharmacy strategy, including difficulties that arise as a result of our lack of experience,

and we may be unsuccessful and our plans may change materially. For instance:

Moreover, all our efforts to

expand pharmacy operations will involve significant costs and other resources, which we may not be able to afford and may disrupt our

other operations and distract management and employees from the other aspects of our business. As a result, our business could materially

suffer if we are unable to further develop a group of unified compounding facilities and, even if we are successful, we may be unable

to generate sufficient revenue to recover our costs.

We are dependent on market acceptance of compounding

pharmacies and compounded formulations, and physicians may be unwilling to prescribe, and patients may be unwilling to use, our proprietary

customizable compounded formulations.

We currently

distribute our proprietary formulations through compounding pharmacies and an outsourcing facility. Formulations prepared and dispensed

by compounding pharmacies contain FDA-approved ingredients, but are not themselves approved by the FDA. Thus, our compounded formulations

have not undergone the FDA approval process and only limited data, if any, may be available about the safety and efficacy of our formulations

for any particular indication. Certain compounding pharmacies have been subject to widespread negative media coverage in recent years,

and the actions of these pharmacies have resulted in increased scrutiny of compounding pharmacy activities from the FDA and state governmental

agencies. For example, the FDA has issued formal requests to compounding pharmacies and outsourcing facilities to conduct a recall of

all non-expired, purportedly sterile drug products and to cease sterile compounding operations due to lack of sterility assurance. As

a result, some health care providers may be reluctant to purchase and use compounded drugs. Our growth and future sales depend not only

on our ability to demonstrate in the face of increased scrutiny the quality and safety of our pharmacies and outsourcing facilities and

our compliance with more stringent regulatory standards at the federal and state levels, but also on the continued acceptance of compounded

drugs and formulations, particularly outsourced compounded drugs and formulations, in the marketplace.

An incident

similar to the fungal meningitis outbreak in 2012, which was caused by a compounding pharmacy employing a non-sterile-to-sterile business

model, could cause our customers to reduce their use of compounded formulations significantly or even stop using compounded drugs altogether.

States have in the past, and could in the future, enact regulations prohibiting or restricting the use of compounding pharmacies and

outsourcing facilities in response to such incidents. Such prohibitions or restrictions by states or reduced customer demand as a result

of an incident with compounded drugs and formulations could have a material adverse effect on our business, results of operations and

financial condition.

We have received multiple FDA

Forms 483, a MedWatch notice, warning letters and other regulatory notifications relating to issues at NJOF and our pharmacy RxNJ,

and have ongoing communications with the FDA about compliance and quality plans at NJOF. See “—We have been in discussions with the federal government regarding past FDA inspections of our 503B

facility, and to the extent we are unable to demonstrate compliance with cGMPs and other required regulations, the government could

pursue enforcement actions, the effects of which could be costly to us and could result in adverse consequences to our

business.” As a result of the MedWatch notice, warning letters and other regulatory notifications, some physicians may be

hesitant to prescribe and some patients may be hesitant to purchase and use non-FDA-approved compounded formulations, particularly

when an FDA-approved potential alternative is available. For other reasons, physicians may be unwilling to prescribe or patients may

be unwilling to use our proprietary compounded formulations, including, but not limited to, the following: legal prohibitions on our

ability to discuss the efficacy or safety of our formulations with potential users to the extent applicable data is available; our

pharmacy operations are primarily operating on a cash-pay basis and reimbursement may or may not be available from third-party

payors, including the government Medicare and Medicaid programs; and certain formulations are not required to be prepared and are

not presently being prepared in a manufacturing facility governed by cGMP requirements. Any failure by physicians, patients and/or

third-party payors to accept and embrace compounded formulations could substantially limit our market and cause our operations to

suffer.

Our business and operations

could suffer in the event of cybersecurity or other system failures.

Despite the implementation of

security measures, our internal computer systems and those of any third parties with which we partner are vulnerable to damage from computer

viruses, unauthorized access, natural disasters, terrorism, war and telecommunication and electrical failures. While we have not experienced

any cybersecurity or system failure, accident or breach to date that has been determined to have had a material impact, if a significant

event were to occur, it could result in a material disruption of our operations, substantial costs to rectify or correct the failure,

if possible, and potentially violation of HIPAA and other privacy laws applicable to our operations. For example, the California Consumer

Privacy Act (the “CCPA”) became effective on January 1, 2020 and gave California residents expanded rights to access and

require deletion of their personal information, opt out of certain personal information sharing and receive detailed information about

how their personal information is used. The CCPA provides for civil penalties for violations, as well as a private right of action for

data breaches that may increase data breach litigation. Although the CCPA includes exemptions for certain clinical trials data, and HIPAA-protected

health information, the law may increase our compliance costs and potential liability with respect to other personal information we collect

about California residents. The CCPA has prompted a number of proposals for new federal and state privacy legislation. Other countries

also have, or are developing, laws governing the collection, use and transmission of personal information, such as the General Data Protection

Regulation (“GDPR”) in the European Union (the “EU”) that became effective in May 2018 and the Personal Information

Protection and Electronic Documents Act that became effective in Canada in April 2000. We anticipate that over time we may expand our

business outside of the U.S. With such expansion, we would be subject to increased governmental regulation in the EU countries in which

we might operate, including the GDPR. These laws and similar laws adopted in the future could increase our potential liability, increase

our compliance costs and adversely affect our business. If any disruption or security breach resulted in a loss of or damage to our data

or applications or inappropriate disclosure of confidential or protected information, we could incur liability, further development of

our proprietary formulations could be delayed, and our pharmacy operations could be disrupted, subject to restriction or forced to terminate

their operations, any of which could severely harm our business and prospects.

A breakdown of our

information technology systems, or a cyberattack or information security breach could significantly compromise the confidentiality, integrity

and availability of our information technology systems, network-connected control systems and/or our data, interrupt the operation of

our business and/or affect our reputation.

To

achieve our business objectives, we rely on sophisticated information technology systems, including hardware, software, technology infrastructure,

online sites and networks for both internal and external operations, mobile applications, cloud services and network-connected control

systems, some of which are managed, hosted, provided or serviced by third parties. Internal or external events that compromise the confidentiality,

integrity and availability of our systems and data may significantly interrupt the operation of our business, result in significant costs

and/or adversely affect our reputation.

Our

information technology systems are highly integrated into our business, including our customer service infrastructure, R&D efforts,

clinical and commercial manufacturing processes and product sales and distribution processes. Further, as the large part of our employees

work remotely for some portion of their jobs, our reliance on our third-party information technology systems has increased substantially

and is expected to continue to increase. Remote and hybrid working arrangements can increase cybersecurity risks due to the challenges

associated with managing remote computing assets and security vulnerabilities that are present in many non-corporate and home networks.

The complexity and interconnected nature of software, hardware and our systems make them vulnerable to breakdown or other service interruptions,

and to software errors or defects, misconfiguration and other security vulnerabilities. Upgrades or changes to our systems or the software

that we use have resulted and we expect, in the future, will result in the introduction of new cybersecurity vulnerabilities and risks.

Our systems are also subject to frequent perimeter network reconnaissance and scanning, phishing and other cyberattacks. As the cyber-threat

landscape evolves, these attacks are growing in frequency, sophistication, and intensity, and are becoming increasingly difficult to

detect and increasingly sophisticated in using techniques and tools—including artificial intelligence—that circumvent security

controls, evade detection and remove forensic evidence. Such attacks could include the use of harmful and virulent malware, including

ransomware or other denials of service, which can be deployed through various means, including the software supply chain, e-mail, malicious

websites and/or the use of social engineering/phishing.

We

have experienced attacks against our network, although none that have had a material adverse impact to our business. In November 2024,

we became aware of a cybersecurity incident that involved unauthorized access of an employee’s email account. Through this unauthorized

access the threat actor was able to fraudulently divert Company funds to its bank account. We detected the incident in a timeframe management

believes minimized the financial, operation or reputational risk to the Company, and at no point was our ability to generate revenues

disrupted. However, if future attacks occur, there is no assurance we will be able to detect the incident in a timely manner or at all.

There

can be no assurance that our efforts to guard against the wide and growing variety of potential attack techniques will be successful.

Attacks such as those experienced by government entities (including those that approve and/or regulate our products) and other multi-national

companies, including some of our peers, could leave us unable to utilize key business systems or access or protect important data, and

could have a material adverse effect on our ability to operate our business, including developing, gaining regulatory approval for, manufacturing,

selling and/or distributing our products. For example, in 2017, a pharmaceutical company experienced a cyberattack involving virulent

malware that significantly disrupted its operations, including its research and sales operations and the production of some of its medicines

and vaccines. As a result of the cyberattack, its orders and sales for certain products were negatively affected. In late 2020, SolarWinds

Corporation, a leading provider of software for monitoring and managing information technology infrastructure, disclosed that it had

suffered a cybersecurity incident whereby attackers had inserted malicious code into legitimate software updates for its products that

were installed by myriad private and government customers, enabling the attackers to access a backdoor to such systems. In 2022, Okta,

Inc., a provider of software that helps companies manage user authentication, disclosed that several hundred of its corporate customers

were vulnerable to a security breach that allowed attackers to access Okta’s internal network. Although this breach did not have

a significant effect on our business, there can be no assurance that a similar future breach would not result in a material adverse effect

on our business or results of operations.

Our

systems contain and use a high volume of sensitive data, including intellectual property, trade secrets and other proprietary business

information, financial information, regulatory information, strategic plans, sales trends and forecasts, litigation materials and/or

personal identifiable information belonging to us, our staff, our patients, customers and/or other parties. In some cases, we utilize

third-party service providers to collect, process, store, manage or transmit such data, which have increased our risk. Intentional or

inadvertent data privacy or security breaches (including cyberattacks) resulting from attacks or lapses by employees, service providers

(including providers of information technology-specific services), business partners, nation states (including groups associated with

or supported by foreign intelligence agencies), organized crime organizations, “hacktivists” or others, create risks that

our sensitive data may be exposed to unauthorized persons, our competitors or the public. System vulnerabilities and/or cybersecurity

breaches experienced by our third-party service providers constitute a substantial share of the information security risks to our business.

There can be no assurance that a cybersecurity incident would not result in a material adverse effect on our business or results of operations.

Further, the timeliness of our awareness of a cybersecurity incident affects our ability to respond to and work to mitigate the severity

of such events.

Cyberattackers

are also increasingly exploiting vulnerabilities in commercially available software from shared or open-source code. We rely on third

party commercial software that have had and may have such vulnerabilities, but as use of open-source code is frequently not disclosed,

our ability to fully assess this risk to our systems is limited. There can be no assurances that a vulnerability in the software and

services that we use would not result in a material adverse effect on our business or results of operations.

Domestic

and global government regulators, our business partners, suppliers with whom we do business, companies that provide us or our partners

with business services and companies we have acquired or may acquire face similar risks. Security breaches of their systems or service

outages have adversely affected systems and could, in the future, affect our systems and security, leave us without access to important

systems, products, raw materials, components, services or information, or expose our confidential data or sensitive personal information.

An extended service outage affecting these or other vendors, particularly where such vendor is the single source from which we obtain

the services, could have a material adverse effect on our business or results of operations. For example, in February 2024, UnitedHealth

Group announced that a suspected nation-state associated cyber security threat actor had gained access to some of the Change Healthcare

(“Change”) information technology systems. Change is the largest clearinghouse for medical claims in the U.S. While Harrow

was not directly impacted by this cybersecurity incident, it was reported that as a reaction to the cybersecurity incident, Change temporarily

disconnected over 100 related payment systems and Change was unable to process medical claims through its primary platforms. This resulted

in the delays to the revenue and cash collection cycle for several ASCs and physician offices, putting a strain on their cash resources.

While temporary, the cash constraints for these ASCs and physician offices, we believe, impacted sales of some of our products, such

as IHEEZO, during this disrupted period of time. In addition, we distribute our products in the U.S. primarily through three pharmaceutical

wholesalers, and a security breach that impairs the distribution operations of our wholesalers could significantly impair our ability

to deliver our products to healthcare providers and patients. There can be no assurance that our cybersecurity risk management program

and processes, including our policies, controls, or procedures, will be effective in protecting our information technology systems and

sensitive data.

We

will continue to experience varying degrees of cyberattacks and other incidents in the future. Even though we continue to invest in the

monitoring, protection and resilience of our critical and/or sensitive data and systems, there can be no assurances that our efforts

will detect, prevent or fully recover systems or data from all breakdowns, service interruptions, attacks and/or breaches of our systems

that could adversely affect our business and operations and/or result in the loss or exposure of critical, proprietary, private, confidential

or otherwise sensitive data, which could result in material financial, legal business or reputational harm to us or negatively affect

our stock price. While we maintain cyber-liability insurance, our insurance is not sufficient to cover us against all losses that could

potentially result from a service interruption, breach of our systems or loss of our critical or sensitive data.

We are also subject to various

laws and regulations globally regarding privacy and data protection, including laws and regulations relating to the collection, storage,

handling, use, disclosure, transfer and security of personal data. The legislative and regulatory environment regarding privacy and data

protection is continuously evolving and developing and the subject of significant attention globally. For example, we are subject to

the CCPA, which became effective in January 2020, which can result in substantial penalties for noncompliance. The CCPA was amended in

late 2020, to create the California Privacy Rights Act to create opt in requirements for the use of sensitive personal data and the formation

of a new dedicated agency for the enforcement of the law, the California Privacy Protection Agency. Similar consumer privacy laws went

into effect in Virginia, Colorado, Utah, Connecticut and Florida in 2023. Consumer privacy laws were also passed in 11 other states,

with the earliest effective dates later this year, and proposed in three additional states. Failure to comply with these current and

future laws could result in significant penalties and reputational harm and could have a material adverse effect on our business and

results of operations.

Risks Related to Government Regulations and Third-Party

Policies

Our business is significantly impacted by state

and federal statutes and regulations.

Our proprietary compounded formulations

are comprised of active pharmaceutical ingredients that are components of drugs that have received marketing approval from the FDA, although

our proprietary compounded formulations have not themselves received FDA approval. FDA approval is not required in order to market and

sell our compounded formulations. We are pursuing FDA approval to market and sell drug candidates. The marketing and sale of those drug

candidates, FDA-approved drugs and compounded formulations are subject to and must comply with extensive state and federal statutes and

regulations governing those products and compounding pharmacies. These compounding statutes and regulations include, among other things,

restrictions on compounding for office use or in advance of receiving a patient-specific prescription or, for outsourcing facilities,

requirements regarding preparation, such as regular FDA inspections and cGMP requirements, prohibitions on compounding drugs that are

essentially copies of FDA-approved drugs, limitations on the volume of compounded formulations that may be sold across state lines, and

prohibitions on wholesaling or reselling. These and other restrictions on the activities of compounding pharmacies and outsourcing facilities

may significantly limit the market available for compounded formulations, compared to the market available for FDA-approved drugs.

Our pharmacy business is impacted

by federal and state laws and regulations governing the following: the purchase, distribution, management, compounding, dispensing, reimbursement,

marketing and labeling of prescription drugs and related services including: FDA and/or state regulation affecting the pharmacy and pharmaceutical

industries, including state pharmacy licensure and registration or permit standards; rules and regulations issued pursuant to HIPAA and

other state and federal laws related to the use, disclosure and transmission of health information; and state and federal controlled

substance laws. Our failure to comply with any of these laws and regulations could severely limit or curtail our pharmacy operations,

which would materially harm our business and prospects. Further, our business could be adversely affected by changes in these or any

newly enacted laws and regulations, and federal and state agency interpretations of the statutes and regulations. Statutory or regulatory

changes could require us to make changes to our business model and operations and/or could require us to incur significantly increased

costs to comply with such regulations.

On July 30, 2020, the FDA issued

a notice for comments related to certain bulk drug substances to be removed from the 503B Bulk’s List (or Category 1 List). Included

in this notice for comment were certain bulk drug substances which we currently use in some of our compounded products. In the event

one or more of these bulk substances are ultimately removed from the Category 1 List, we intend to utilize commercially available versions

of these substances or similar active pharmaceutical ingredients as replacements of the bulk powders contained in our sterile products.

In addition, nothing in the FDA’s notice affects the dispensing of bulk powder-containing products from our 503A pharmacy. Nonetheless,

if all or some of the bulk drug substances we use are removed from the 503B Bulk’s List, this may result in a disruption in our

operations, revenues and cash flows.

On October

27, 2020, the FDA announced availability of a final Memorandum of Understanding, Addressing Certain Distributions of Compounded Human

Drug Products Between the State Board of Pharmacy or Other Appropriate State Agency and the Food and Drug Administration (the “Final

MOU”). The Final MOU describes the responsibilities of a state board of pharmacy, or other appropriate state agency that chooses

to sign the Final MOU, in investigating and responding to complaints related to drug products compounded in such state and distributed

outside such state and in addressing the interstate distribution of inordinate amounts of compounded human drug products. Additionally,

as part of the Final MOU, the FDA refined the definition of “inordinate amount,” a threshold for certain information identification

and sharing which does not place a limit on the distribution of compounded human drug products interstate by a pharmacy located in a

state that has entered into the Final MOU. Section 503A of the FDCA sets a 5% limit on compounded drugs distributed outside the state

by a pharmacist, pharmacy or physician located in a state that has not entered into the Final MOU.

In February

2022, the FDA said it would suspend implementation of the Final MOU and engage in a formal rulemaking process. During the rulemaking

process, the agency will not enter into new agreements with states based on the Final MOU. The FDA does not expect states that have signed

the Final MOU to carry out the activities described in the Final MOU. Thus, there is no reporting requirement for any pharmacy concerning

interstate shipments pursuant to Section 503A and will not be until the Final MOU is finalized through the rulemaking process, which

will include the engagement of a notice-and-comment and rulemaking period to implement certain provisions of Section 503A. The agency

indicated that the process may take “several years” to complete. In the same announcement, the FDA stated it does not intend

to enforce the statutory 5% limit on the distribution of compounded drugs out of the state in which they are compounded by compounders

located in states that do not sign the Final MOU for the duration of the rulemaking process.

We have been in

discussions with the federal government regarding past FDA inspections of our 503B facility, and to the extent we are unable to

demonstrate compliance with cGMPs and other required regulations, the government could pursue enforcement actions, the effects of

which could be costly to us and could result in adverse consequences to our business.

In August 2017, the FDA issued

a MedWatch notification regarding a curcumin emulsion and two adverse events that had been associated with the use of these emulsions

by prescribing physicians. We issued a press release on August 7, 2017, clarifying certain facts regarding the notice which outlined

our belief that the adverse events associated with the two patients occurred due to an allergic reaction caused by the products being

inappropriately administered and obtained by the prescribing physician, and our use of curcumin and excipients in our curcumin emulsion

formulation met regulatory standards required for dispensing of the curcumin emulsion. In September 2017, the FDA released a letter confirming

that the alleged misuse of certain ingredients in our curcumin emulsions was due to mislabeling by the underlying supplier and not of

our own misdoing. We no longer compound curcumin emulsion products.

Separately, in December 2017,

we were issued a warning letter from the FDA alleging that, in its interpretation of our public communications, we had made false or

misleading claims and omitted risk and side effect information regarding certain of our ophthalmology-focused compounded medications.

We immediately performed a full review of our public communications referenced in the warning letter and responded to the FDA in January

2018; notwithstanding our continued belief that our public communications were not, in fact, false and misleading, we remained in communication

with the FDA and took steps to address the items outlined in the FDA letter. The Company received another warning letter from the FDA

in June 2022 related to our alleged marketing activities. We immediately responded to the warning letter and the FDA sent the Company

notice in January 2023 that our corrective actions appear adequate.

In June 2019, our New Jersey-based

outsourcing facility (“NJOF”) was issued a warning letter related to an April 2017 inspection and our use of certain active

pharmaceutical ingredients in our compounded medications. During September 2020 through January 2021, our New Jersey based outsourcing

facility was inspected by the FDA (the “2020 Inspection”) and certain observations were made by the FDA in a Form 483. Five

observations made during the 2020 Inspection were considered repeat observations from a 2017 FDA inspection. In addition, during the

2020 inspection, the FDA noted that we were compounding drugs for which there is no change that produces a clinical difference for an

individual patient, as determined by a prescribing practitioner between a compounded drug and the comparable approved drug. We have responded

to the FDA regarding all of their observations from the 2020 Inspection, including providing documentation from prescribing clinicians

that indicate a clinical difference between our compounded drugs and the comparable approved drugs, while also committing to amend our

order process to collect “medical necessity/clinical difference” information for each order of our compounded drugs on a

go-forward basis.

Our pharmacy was inspected in

August 2022 and received a Form 483 with several observations from the FDA. In May 2023, our pharmacy received a warning letter related

to the inspection that occurred in August 2022. The warning letter indicated that our corrective actions from the inspection had appeared

to be adequate; however, the FDA could not fully evaluate the adequacy of our actions because we did not include sufficient information

or supporting documentation. As an example, we stated that smoke studies related to airflow in our laminar airflow hoods had been redone

to satisfy FDA requirements, however, we did not provide the FDA with supporting documentation (such as smoke study protocol, updated

detailed report and/or videos). We have responded to this warning letter and provided the FDA with additional information requested.

From March 2024 through April 2024,

NJOF was inspected by the FDA (the “2024 Inspection”), and the FDA issued a Form 483 with five observations. Following the

2024 Inspection, NJOF voluntarily recalled certain products in coordination with the FDA. Since the 2024 Inspection, NJOF has provided

regular updates to the FDA regarding its remediation activities and other commitments, including providing the FDA with a comprehensive

update in February 2025. Since January 2025, we have engaged in separate but related discussions with the federal government regarding

the NJOF quality system and the 2024 Inspection. In support of our ongoing commitment to compliance, we engaged an independent third-party

current good manufacturing practices (“cGMP”) expert to review our NJOF operations and to recommend actions to improve our

compliance and quality activities (the “cGMP Expert Engagement”). The cGMP Expert Engagement is ongoing, and we expect to

regularly update the FDA regarding our compliance and quality activities.

These regulatory actions

could increase further scrutiny and could create negative publicity on us as a company. As part of our commitment to actively work

with regulators, at times, we have become aware of concerns related to certain formulations, and as a result, discontinued

compounding certain drug formulations in an attempt to help mitigate potential regulatory risk. For other reasons, including, but

not limited to, the following, physicians may be unwilling to prescribe or patients may be unwilling to use our compounded

formulations: legal prohibitions on our ability to discuss the efficacy or safety of our formulations with potential users to the

extent applicable data is available; our pharmacy operations are primarily operating on a cash-pay basis and reimbursement may or

may not be available from third-party payors, including the government Medicare and Medicaid programs; and certain formulations are

not required to be prepared and are not presently being prepared in a manufacturing facility governed by cGMP requirements. These

factors and any future regulatory action could continue to limit our production, and our ability to dispense and distribute our

compounded products, which would negatively affect sales of our compounded products.

If we or our partner

facilities fail to comply with the Controlled Substances Act, FDCA, or similar state statutes and regulations, the pharmacy facilities

could be required to cease operations or become subject to restrictions that could adversely affect our business.

State pharmacy laws require pharmacy

locations in those states to be licensed as an in-state pharmacy to dispense pharmaceuticals. In addition, state controlled substance

laws require registration and compliance with state pharmacy licensure, registration or permit standards promulgated by the state’s

pharmacy licensing authority. Pharmacy and controlled substance laws often address the qualification of an applicant’s personnel,

the adequacy of its prescription fulfillment and inventory control practices and the adequacy of its facilities. These laws also subject

pharmacies to oversight by state boards of pharmacy and other regulators that could impose burdensome requirements or restrictions on

operations if a pharmacy is found not in compliance with these laws. We believe that our compounding pharmacies are in material compliance

with applicable regulatory requirements. Further, if any of our compounding pharmacies fail to comply with regulatory requirements, they

could be forced to permanently or temporarily cease or limit their compounding operations, which would severely limit our ability to

market and sell our proprietary formulations and would materially harm our operations and prospects. Any noncompliance could also result

in complaints or adverse actions by other state boards of pharmacy. FDA inspection of a facility to determine compliance with the FDCA,

if not successful, may result in the loss of FDCA exemptions provided under Sections 503A and 503B, warning letters, injunctions, prosecution,

fines and loss of required government licenses, certifications and approvals, any of which could involve significant costs and could

cause us to be unable to realize the expected benefits of these pharmacies’ operations. Additionally, the permanent injunction

entered on July 22, 2019, by the U.S. District Court of the Central District of California (the “Court”) in the Allergan

litigation (also referenced in Item. 3 Legal Proceedings), enjoins the Company from engaging in activities that are inconsistent with

current FDA guidelines for 503A and 503B operations.

If we market any of our drug candidates in

a manner that violates healthcare fraud and abuse laws, or if we violate government price reporting laws, we may be subject to civil

or criminal penalties.

The FDA enforces laws and regulations

which require that the promotion of pharmaceutical products be consistent with the approved prescribing information. While physicians

may prescribe an approved product for a so-called “off label” use, it is unlawful for a pharmaceutical company to promote

its products in a manner that is inconsistent with its approved label, and any company which engages in such conduct can subject that

company to significant liability. Similarly, industry codes in the EU and other foreign jurisdictions prohibit companies from engaging

in off-label promotion, and regulatory agencies in various countries enforce violations of the code with civil penalties. While we intend

to ensure that our promotional materials are consistent with our label, regulatory agencies may disagree with our assessment and may

issue untitled letters, warning letters or may institute other civil or criminal enforcement proceedings. In addition to FDA restrictions

on marketing of pharmaceutical products, several other types of state and federal healthcare fraud and abuse laws have been applied in

recent years to restrict certain marketing practices in the pharmaceutical industry. These laws include the U.S. Anti-Kickback Statute,

U.S. False Claims Act and similar state laws. Because of the breadth of these laws and the narrowness of the safe harbors, it is possible

that some of our business activities could be subject to challenge under one or more of these laws.

Our sales depend on coverage and reimbursement

from government and commercial third-party payors, and pricing and reimbursement pressures have affected, and are likely to continue

to affect, our profitability.

Sales of our branded products

depend on the availability and extent of coverage and reimbursement from third-party payors, including government healthcare programs

and private insurance plans. Governments and private payors continue to pursue initiatives to manage drug utilization and contain costs.

Further, pressures on healthcare budgets from the pandemic, the economic downturn and inflation continue and are likely to increase across

the markets we serve. Payors are increasingly focused on costs, which have resulted, and are expected to continue to result, in lower

reimbursement rates for our branded products or narrower populations for which payors will reimburse. Continued intense public scrutiny

of the price of drugs and other healthcare costs, together with payor dynamics, have limited, and are likely to continue to limit, our

ability to set or adjust the price of our products based on their value, which can have a material adverse effect on our business. In

the U.S., particularly over the past few years, a number of legislative and regulatory proposals have been introduced and/or signed into

law that attempt to lower drug prices. These include legislation promulgated by the IRA that enables the U.S. government to set prices

for certain drugs in Medicare, redesigns Medicare Part D benefits to shift a greater portion of the costs to manufacturers and enables

the U.S. government to impose penalties if drug prices are increased at a rate faster than inflation in addition to rebates imposed on

manufacturers associated with drug waste (which could potentially impact sales of TRIESENCE). Additional proposals focused on drug pricing

continue to be debated, and additional executive orders focused on drug pricing and competition are likely to be adopted and implemented

in some form. Government actions or ballot initiatives at the state level also represent a highly active area of policymaking and experimentation,

including pursuit of proposals that limit drug reimbursement under state run Medicaid programs based on reference prices or permitting

importation of drugs from Canada. Such state policies may also eventually be adopted at the federal level.

We are unable to predict which

or how many policy, regulatory, administrative or legislative changes may ultimately be, or effectively estimate the consequences to

our business if, enacted and implemented. However, to the extent that payor actions further decrease or modify the coverage or reimbursement

available for our products, require that we pay increased rebates or shift other costs to us, limit or affect our decisions regarding

the pricing of or otherwise reduce the use of our products, such actions could have a material adverse effect on our business and results

of operations.

Changing U.S. federal

coverage and reimbursement policies and practices have affected and are likely to continue to affect access to, pricing of and sales

of our products.

A substantial portion of our

branded product portfolio relies on reimbursement from federal government healthcare programs and commercial insurance plans regulated

by federal and state governments. Our business has been and will continue to be affected by legislative actions changing U.S. federal

reimbursement policy. The IRA’s drug pricing controls and Medicare redesign is likely to have a material adverse effect on our

sales (particularly for our branded products that are more substantially reliant on Medicare reimbursement), our business and our results

of operations. However, as the degree of impact from this legislation on our business depends on a number of implementation decisions,

the extent of the IRA’s impact on our sales and, in turn, our business remains unclear.

Changing reimbursement

and pricing actions in various states have negatively affected and may continue to negatively affect access to and have affected and

may continue to affect sales of our products.

At the state level, government

actions or ballot initiatives can also affect how our branded products are covered and reimbursed and/or create additional pressure on

our pricing decisions. Existing and proposed state pricing laws have added complexity to the pricing of drugs and may already be affecting

industry pricing decisions. A number of states have adopted, and many other states are considering, drug importation programs or other

pricing actions, including proposals designed to require biopharmaceutical manufacturers to report to the state proprietary pricing information

or provide advance notice of certain price increases. For example, a California law requires biopharmaceutical manufacturers to notify

health insurers and government health plans at least 60 days before scheduled prescription drug price increases that exceed certain thresholds.

Similar laws exist in Oregon and Washington. Additional proposals directed at Medicaid seek to penalize manufacturers for pricing drugs

above a certain threshold or limit spending on biopharmaceutical products. States are also seeking to change the way they pay for drugs

for patients covered by state programs. New York has established a Medicaid drug spending cap, and Massachusetts implemented a new review

and supplemental rebate negotiation process. Six states (Colorado, Maine, New Hampshire, Maryland, Oregon and Washington) have enacted

laws that establish Prescription Drug Affordability Boards (“PDABs”) to study drug prices and identify drugs that pose affordability

challenges, and in three states (Colorado, Maryland and Washington) include authority for the state PDABs to set upper payment limits

on certain drugs in state regulated plans. Other states may consider implementing similar policies and laws. Additionally, Colorado,

Florida, Maine, New Hampshire, New Mexico and Vermont have enacted laws, and several other states have proposed bills, to implement importation

of drugs from Canada. The FDA has met with representatives from Colorado, Florida, Maine and New Mexico to discuss those states’

proposed importation programs, and the FDA may be working towards approving such plans. Other states could adopt similar approaches or

Source: SEC EDGAR (public domain) · 10-K for the period ended 2024-12-31, filed 2025-03-27 · accession 0001641172-25-000925

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