● our ability to manage or reduce expenses; 40 Table of Contents ● competition among depository and other financial institutions; ● inflation and changes in market interest rates that affect our margins and yields, the fair value of financial instruments, our volume of loan originations and loan sales, or the level of defaults, losses and prepayments on loans, whether held in portfolio or sold in the secondar

filing / Aug 13, 2026 / receipt

● our ability to successfully integrate into our operations any assets, liabilities or systems we may acquire, as well as new management personnel or customers, and our ability to realize related revenue synergies and cost savings within expected time frames and any goodwill charges related thereto;

filing / Aug 13, 2026 / receipt

● our ability to manage or reduce expenses; ● competition among depository and other financial institutions; 37 Table of Contents ● inflation and changes in market interest rates that affect our margins and yields, the fair value of financial instruments, our volume of loan originations and loan sales, or the level of defaults, losses and prepayments on loans, whether held in portfolio or sold in the secondar

filing / May 14, 2026 / receipt

● our ability to successfully integrate into our operations any assets, liabilities or systems we may acquire, as well as new management personnel or customers, and our ability to realize related revenue synergies and cost savings within expected time frames and any goodwill charges related thereto;

filing / May 14, 2026 / receipt