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This presentation as well as other written or oral communications made from time to time by us, may contain certain forward-looking information within the
meaning of the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended. These statements relate to future events or
future predictions, including events or predictions relating to our future financial performance, and are generally identifiable by the use of forward-looking
terminology such as “believes,” “expects,” “may,” “will,” “should,” “plan,” “intend,” “on condition,” “target,” “estimates,” “preliminary,” or “anticipates” or the
negative thereof or comparable terminology, or by discussion of strategy or goals or other future events, circumstances or effects. These forward-looking
statements regarding future events and circumstances involve known and unknown risks, uncertainties and other factors that may cause our actual results,
levels of activity, financial condition, performance or achievements to be materially different from any future results, levels of activity, financial condition,
performance or achievements expressed or implied by such forward-looking statements. This information is based on various assumptions, estimates or
judgments by us that may not prove to be correct.
Important factors to consider and evaluate in such forward-looking statements include:
§availability and adequacy of cash flow to meet our debt service requirements under the notes;
§changes in competitive and market factors might affect our results or operations;
§changes in laws and regulations, including without limitation changes in capital requirements under the Basel III capital proposals;
§changes in our business strategy or an inability to execute our strategy due to the occurrence of unanticipated events;
§our ability to identify potential candidates for, and consummate, acquisition or investment transactions;
§the timing and results of acquisitions or investment transactions;
§our failure to complete any or all of the transactions described herein on the terms currently contemplated;
§local, regional, national, and international economic conditions and events and the impact they may have on us and our customers, including our
operations and investments, both in the United States and contemplated in India;
§targeted or estimated returns on assets and equity, growth rates and future asset levels;
§our ability to attract deposits and other sources of liquidity and capital;
§changes in the financial performance and/or condition of our borrowers, and issuers of securities we hold;
§changes in the level of non-performing and classified assets and charge-offs;
§changes in estimates of future loan loss reserve requirements based upon the periodic review thereof under relevant regulatory and accounting
requirements, as well as changes in borrowers’ payment behavior and creditworthiness;
§changes in our capital structure resulting from future capital offerings or acquisitions;
§inflation, interest rate, securities market and monetary and foreign currency fluctuations, both in the United States, and internationally, especially in India
due to our pending strategic investment
§the effects on our mortgage warehouse lending and retail mortgage businesses of changes in the mortgage origination markets, including changes due to
changes in monetary policies, interest rates and the regulation of mortgage originators, services and securitizers;
Forward Looking Statements
