ITEM 1A – RISK FACTORS
−Removed: Management has reviewed the risk factors that were previously disclosed in the 2025 Annual Report and subsequent reports filed with the SEC to determine if there were material changes applicable to the three months ended March 31, 2026.
+Added: Management has reviewed the risk factors that were previously disclosed in the 2025 Annual Report and subsequent reports filed with the SEC to determine if there were material changes applicable to the six months ended June 30, 2026.
Aside from the following risk factor, there have been no material changes to the risk factors that were previously disclosed in the 2025 Annual Report.
Geopolitical instability and armed conflicts may adversely impact our business, financial condition, and results of operations.
−Removed: Geopolitical instability, including armed conflicts and tensions in various regions of the world, may contribute to volatility in financial markets and broader economic uncertainty.
+Added: Geopolitical instability, armed conflicts, and changes in trade policy, including tariffs and retaliatory measures, may contribute to financial market volatility and broader economic uncertainty.
Escalation of such conflicts could disrupt energy and commodity markets, increase inflationary pressures, and affect interest rate conditions.
2 unchanged sentences
Such developments may also increase risks associated with cyber threats, fraud, or disruptions involving critical infrastructure or third-party service providers.
−Removed: In addition, heightened uncertainty may affect assumptions and estimates used in evaluating allowance for credit losses, including qualitative factors, and could contribute to increased provision expense.
+Added: In addition, heightened uncertainty may affect assumptions and estimates used in evaluating allowance for credit losses, including qualitative factors, which could contribute to increased provision expense.
The extent and duration of these conditions and their impact on our business, financial condition, and results of operations remain uncertain.
1 unchanged sentence
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.