Risk Factors Update Summary

• Post-merger, BCIC stockholders may receive 0.3658 shares of our stock per BCIC share.
• Conflict between Israel and Palestine may cause volatility, disruptions, sanctions, and cyberattacks.
• Post-merger, our stockholders may own 68.5% and BCIC stockholders 31.5% of the combined company.
• Failure to close the merger may result in substantial expenses without any benefit.
• Recent inflation increase to highest level in decades, leading to Federal Reserve rate hikes.
• Merger integration may lead to unexpected costs, delays, and adverse effects on financial results.
• Termination of the merger agreement could negatively impact the company's operations and stock prices.
• Federal Reserve raised interest rates by 1.00% in 2023, with potential further increases.
• Failure to realize anticipated merger benefits, like cost savings, could impact financial results.
• The merger agreement limits the pursuit of alternatives, potentially impacting shareholder value.
• Increased interest rates may lead to economic recession, impacting borrowing costs and profitability.
• Transition from LIBOR to alternative rates may affect investments and financial instruments.
• Risks associated with artificial intelligence and machine learning technology advancements.
• Cybersecurity incidents pose risks to operations, financial condition, and shareholder value.