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From entrepreneurs opening a flagship location to franchisees helping national brands grow, Austin-area business owners met on , to discuss their plans and share progress. The latest installment of What Now Media Group’s Austin event occurred at the recently opened at , located within The Domain. More than a dozen representatives from businesses featured on What Now Austin, including restaurants and retail concepts and industry-leading experts in What Now Media Group’s network of Preferred Partners, were in attendance. Guests mingled while enjoying bites and beverages. opened earlier this year with over 10,000 square feet of indoor and outdoor space. The new restaurant transports guests to wine country with vineyard-inspired shareable bites and entrées, perfectly paired with 60 wines on tap. Sixty Vines offers pours by the flight, half glass, full glass, or bottle. During a presentation led by , Founder and CEO of What Now Media Group, entrepreneurs shared their stories, updated attendees on their progress, and reflected on the significance of their businesses. Some key takeaways included the idea that passion is essential for success, knowing how to pivot effectively and the transformative power of connecting with others in the community. One important topic we discussed was sales tax automation. Managing taxes is a monthly task that takes up valuable time and resources, and any mistakes can be expensive. Our partners at by Avalara provide a robust solution that automates the entire sales tax process, including collection, filing, and payment. It integrates smoothly with your POS system, so you won’t have to do anything further once it’s set up. DAVO simplifies sales tax management with a one-time setup process. Once you complete this simple setup, DAVO handles everything for you. They collect and set aside sales tax daily, using data from your POS system, so you don’t have to worry about having enough cash at the end of the month. Additionally, DAVO automatically files your state sales tax on time, guaranteed. Did you know that ? If you’re interested in learning how to eliminate the stress of sales tax, or contact them directly for more information. This is the type of essential service that restaurant owners can learn about at Accelerate events, where they can connect with service providers and experts who can solve their problems or questions. A handful of eager business owners attended this event, including and of . The two provided updates on their business and how the independent ice cream shop has been received since opening. “There were many reasons to open,” Abusaada told What Now Austin earlier this year. “There are no ice cream stores in the area; people love ice cream, and the location is near a school.” Also in attendance were and , the co-owner and general manager of the upcoming , which was initially scheduled to open in late 2024. With the brewery still not close to opening, the owner took the time to provide updates on the new business coming to Hutto. CEO Caleb Spivak addressed key business topics, including managing delays, having an exit plan, and effectively managing operations after expanding to multiple locations. Following the discussion, Caleb and the guests exchanged valuable tips, insights, and concerns. As a result, everyone became increasingly interested in learning more about each other’s businesses and how they could support one another. To help solve potential business issues, What Now Media Group welcomed a handful of their network of Preferred Partners, such as and of . This company provides professional work uniform rental services, laundry and cleaning programs, cleanroom services, and facility supplies. Also, they are there to help with any problems with and of . This Austin-based company is a reputable social media agency. The two helped answer any questions regarding social media and how to navigate it better so that your business gains more traction. What Now Media Group shares restaurant opening news in 31 cities across the U.S., breaking news and providing timely insight into yet-to-open brick-and-mortar businesses. The platform shares news of thousands of openings across all 31 cities annually. The industry-leading experts in What Now Media Group’s network of Preferred Partners help new businesses open and existing businesses grow. Stay tuned for future Accelerate events from What Now Media Group in 2024. For more details, see the Accelerate page . Related Posts
Cloud AI Solutions Market Poised for Explosive Growth, Reaching $254.6 Billion by 2031 | TMRWhile the rest of the Notre Dame community figures out whether it's worth paying four figures for a ticket to the College Football Playoff first-round home game against Indiana, the men's basketball team continues to figure out how to survive without Markus Burton. Notre Dame (5-5) hosts its next-to-last nonconference game Wednesday night against Dartmouth (4-4), which plays its sixth contest of a seven-game road trip. The Fighting Irish took a promising step -- and snapped a five-game losing streak -- on Saturday by edging Syracuse 69-64 in their ACC opener. "We needed to be in a close game and we needed to win a close game so our guys can build some belief back," head coach Micah Shrewsberry said. "We can't take any steps back on Wednesday." Without Burton -- the stat sheet-stuffing sophomore point guard who injured the medial collateral ligament in his knee Nov. 26 against Rutgers -- the Irish are struggling to find someone to run the offense, as evidenced by their seven assists versus 15 turnovers against Syracuse. At the same time, players are filling the scoring void. Braeden Shrewsberry poured in a career-high-tying 25 points versus the Orange while hitting 6 of 11 3-point attempts. Tae Davis averaged 12.4 points and 7.2 shots per game when Burton was healthy, but he has upped his mean production to 16.6 points and 12.2 shots in the past five games. Micah Shrewsberry, though, prefers to measure progress on a possession-by-possession basis. "Just the toughness," he said. "There have been times when we haven't gotten the key stop. We haven't gotten the bucket when we quite need it. It gets deflating sometimes." Dartmouth knows that feeling. On Sunday, the Big Green took a one-point lead with 4:03 left in overtime at UIC -- and then failed to score on their final six possessions to suffer a 69-68 loss. The Big Green, who haven't posted a winning season since 1998-99, believe whole-heartedly in launching 3-pointers as they take 48 percent of their shots from behind the arc. Senior Cade Haskins (13.6 ppg) has hit a team-high 28 of 68 3-pointers this season, though fellow senior Ryan Cornish stacks up as the team's top scorer (14.3 ppg), passer (3.0 assists per game) and defender (2.3 steals per game). In its only previous game against a power-conference opponent, Dartmouth upset Boston College 88-83 on Nov. 29. --Field Level MediaAn online debate over foreign workers in tech shows tensions in Trump’s political coalition
Renuka Rayasam | (TNS) KFF Health News In April, just 12 weeks into her pregnancy, Kathleen Clark was standing at the receptionist window of her OB-GYN’s office when she was asked to pay $960, the total the office estimated she would owe after she delivered. Clark, 39, was shocked that she was asked to pay that amount during this second prenatal visit. Normally, patients receive the bill after insurance has paid its part, and for pregnant women that’s usually only when the pregnancy ends. It would be months before the office filed the claim with her health insurer. Clark said she felt stuck. The Cleveland, Tennessee, obstetrics practice was affiliated with a birthing center where she wanted to deliver. Plus, she and her husband had been wanting to have a baby for a long time. And Clark was emotional, because just weeks earlier her mother had died. “You’re standing there at the window, and there’s people all around, and you’re trying to be really nice,” recalled Clark, through tears. “So, I paid it.” On online baby message boards and other social media forums , pregnant women say they are being asked by their providers to pay out-of-pocket fees earlier than expected. The practice is legal, but patient advocacy groups call it unethical. Medical providers argue that asking for payment up front ensures they get compensated for their services. How frequently this happens is hard to track because it is considered a private transaction between the provider and the patient. Therefore, the payments are not recorded in insurance claims data and are not studied by researchers. Patients, medical billing experts, and patient advocates say the billing practice causes unexpected anxiety at a time of already heightened stress and financial pressure. Estimates can sometimes be higher than what a patient might ultimately owe and force people to fight for refunds if they miscarry or the amount paid was higher than the final bill. Up-front payments also create hurdles for women who may want to switch providers if they are unhappy with their care. In some cases, they may cause women to forgo prenatal care altogether, especially in places where few other maternity care options exist. It’s “holding their treatment hostage,” said Caitlin Donovan, a senior director at the Patient Advocate Foundation . Medical billing and women’s health experts believe OB-GYN offices adopted the practice to manage the high cost of maternity care and the way it is billed for in the U.S. When a pregnancy ends, OB-GYNs typically file a single insurance claim for routine prenatal care, labor, delivery, and, often, postpartum care. That practice of bundling all maternity care into one billing code began three decades ago, said Lisa Satterfield, senior director of health and payment policy at the American College of Obstetricians and Gynecologists . But such bundled billing has become outdated, she said. Previously, pregnant patients had been subject to copayments for each prenatal visit, which might lead them to skip crucial appointments to save money. But the Affordable Care Act now requires all commercial insurers to fully cover certain prenatal services. Plus, it’s become more common for pregnant women to switch providers, or have different providers handle prenatal care, labor, and delivery — especially in rural areas where patient transfers are common. Some providers say prepayments allow them to spread out one-time payments over the course of the pregnancy to ensure that they are compensated for the care they do provide, even if they don’t ultimately deliver the baby. “You have people who, unfortunately, are not getting paid for the work that they do,” said Pamela Boatner, who works as a midwife in a Georgia hospital. While she believes women should receive pregnancy care regardless of their ability to pay, she also understands that some providers want to make sure their bill isn’t ignored after the baby is delivered. New parents might be overloaded with hospital bills and the costs of caring for a new child, and they may lack income if a parent isn’t working, Boatner said. In the U.S., having a baby can be expensive. People who obtain health insurance through large employers pay an average of nearly $3,000 out-of-pocket for pregnancy, childbirth, and postpartum care, according to the Peterson-KFF Health System Tracker . In addition, many people are opting for high-deductible health insurance plans, leaving them to shoulder a larger share of the costs. Of the 100 million U.S. people with health care debt, 12% attribute at least some of it to maternity care, according to a 2022 KFF poll . Families need time to save money for the high costs of pregnancy, childbirth, and child care, especially if they lack paid maternity leave, said Joy Burkhard , CEO of the Policy Center for Maternal Mental Health, a Los Angeles-based policy think tank. Asking them to prepay “is another gut punch,” she said. “What if you don’t have the money? Do you put it on credit cards and hope your credit card goes through?” Calculating the final costs of childbirth depends on multiple factors, such as the timing of the pregnancy , plan benefits, and health complications, said Erin Duffy , a health policy researcher at the University of Southern California’s Schaeffer Center for Health Policy and Economics. The final bill for the patient is unclear until a health plan decides how much of the claim it will cover, she said. But sometimes the option to wait for the insurer is taken away. During Jamie Daw’s first pregnancy in 2020, her OB-GYN accepted her refusal to pay in advance because Daw wanted to see the final bill. But in 2023, during her second pregnancy, a private midwifery practice in New York told her that since she had a high-deductible plan, it was mandatory to pay $2,000 spread out with monthly payments. Daw, a health policy researcher at Columbia University, delivered in September 2023 and got a refund check that November for $640 to cover the difference between the estimate and the final bill. “I study health insurance,” she said. “But, as most of us know, it’s so complicated when you’re really living it.” While the Affordable Care Act requires insurers to cover some prenatal services, it doesn’t prohibit providers from sending their final bill to patients early. It would be a challenge politically and practically for state and federal governments to attempt to regulate the timing of the payment request, said Sabrina Corlette , a co-director of the Center on Health Insurance Reforms at Georgetown University. Medical lobbying groups are powerful and contracts between insurers and medical providers are proprietary. Because of the legal gray area, Lacy Marshall , an insurance broker at Rapha Health and Life in Texas, advises clients to ask their insurer if they can refuse to prepay their deductible. Some insurance plans prohibit providers in their network from requiring payment up front. If the insurer says they can refuse to pay up front, Marshall said, she tells clients to get established with a practice before declining to pay, so that the provider can’t refuse treatment. Related Articles Health | Which health insurance plan may be right for you? Health | Mercy Health celebrates National Rural Health Day Health | Your cool black kitchenware could be slowly poisoning you, study says. Here’s what to do Health | Does fluoride cause cancer, IQ loss, and more? Fact-checking Robert F. Kennedy Jr.’s claims Health | US towns plunge into debates about fluoride in water Clark said she met her insurance deductible after paying for genetic testing, extra ultrasounds, and other services out of her health care flexible spending account. Then she called her OB-GYN’s office and asked for a refund. “I got my spine back,” said Clark, who had previously worked at a health insurer and a medical office. She got an initial check for about half the $960 she originally paid. In August, Clark was sent to the hospital after her blood pressure spiked. A high-risk pregnancy specialist — not her original OB-GYN practice — delivered her son, Peter, prematurely via emergency cesarean section at 30 weeks. It was only after she resolved most of the bills from the delivery that she received the rest of her refund from the other OB-GYN practice. This final check came in October, just days after Clark brought Peter home from the hospital, and after multiple calls to the office. She said it all added stress to an already stressful period. “Why am I having to pay the price as a patient?” she said. “I’m just trying to have a baby.” ©2024 KFF Health News. Distributed by Tribune Content Agency, LLC.
NTIA considering guidelines for ethical use of ‘pervasive data’PHOTO -- 'Beyond Grateful': Neighbors Raise $19K for Michigan Family Who Lost Home in Christmas Day FireUK business travel is set to reach a record of £68 billion by the end of this year and surpass pre-pandemic levels. The UK now ranks as the fourth-highest spender on business travel globally, with significant demand from key markets like the US, Germany, and France Does this mean that UK workers are travelling at the right amount or has business travel become excessive? To help answer this question, Peter Slater, CEO of CMAC Group , offers valuable insights into the factors driving this surge and how companies can strategically respond. Slater has considered how businesses can control rising travel costs while ensuring employees remain comfortable and productive during their trips. Perhaps one of the drivers is that despite advances in digital communication, 55 percent of business leaders consider face-to-face meetings more effective than virtual ones (with an additional 24.90 percent deeming them much more effective). Slater advises companies to respond strategically by rethinking their approach to business travel, ensuring it better supports employee wellbeing, balanced budgets and optimal productivity. While digital technology has advantages, limitations remain. Slater explains that while virtual meetings became a lifeline during the pandemic, they often fall short when it comes to building trust, negotiating complex deals and networking effectively. “There’s only so much a screen can convey when it comes to relationship building and closing big deals,” Slater tells Digital Journal. “Both business leaders and employees are keen to get back to face-to-face meetings, projects and events where they can collaborate, understand each other and achieve faster results.” Alternatively, many industries have found that key decisions, strategic collaborations and trust-building efforts benefit greatly from in-person interactions. As Slater notes, “Virtual communication tools will always play an important role, but the value of a handshake, shared experience, and in-person conversation is irreplaceable.” This can help with controlling costs. “A focused approach to travel planning can help businesses find that balance,” suggests Slater. “It’s about being intentional: selecting accommodations that not only meet budget requirements but also provide a comfortable, restful space for employees who have a busy schedule.” “Travel is often exhausting and while businesses need to be mindful of their travel spend right now, saving on costs doesn’t have to mean compromising on wellbeing,” Slater adds. “Finding providers that prioritise comfort, productivity and flexibility can make all the difference for employees.” With in-bound business travel also on the rise, UK businesses must adapt to cater to international visitors to make their trips as seamless as possible. “For international guests, it’s about understanding cultural preferences and creating a welcoming experience,” Slater explains. “Simple touches like familiar accommodations, clear communication around transport options, and local insights can go a long way in making their stay productive and enjoyable.” With the UK leading in business travel spending and overseas arrivals expected to grow, the focus is now on how companies can leverage this surge to their advantage. “Business travel doesn’t have to be reactive,” Slater concludes. “It can be a strategic tool that builds connections, drives growth, and supports wellbeing when managed thoughtfully. For companies that get this balance right, the potential rewards are huge.” Dr. Tim Sandle is Digital Journal's Editor-at-Large for science news.Tim specializes in science, technology, environmental, business, and health journalism. He is additionally a practising microbiologist; and an author. He is also interested in history, politics and current affairs.
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DAMASCUS, Syria — Thousands of Syrians gathered in Damascus’ main square and a historic mosque for the first Muslim Friday prayers since former President Bashar Assad was overthrown, a major symbolic moment for the country’s dramatic change of power. The rebels are now working to establish security and start a political transition after seizing the capital Sunday. U.S. Secretary of State Antony Blinken made an unannounced visit to Iraq on Friday, pressing ahead with efforts to unify Middle East nations in support of a peaceful political transition in Syria. It’s part of Blinken’s 12th trip to the Mideast since the Israel-Hamas war erupted last year in Gaza but his first after Assad was ousted. Turkey’s embassy in Damascus will reopen Saturday for the first time in more than a decade, Foreign Minister Hakan Fidan said Friday. The embassy in Damascus suspended operations in 2012 due to the escalating security conditions during the Syrian civil war. The U.S. also made a renewed push for a ceasefire in Gaza, where the war has plunged more than 2 million Palestinians into a severe humanitarian crisis. Israel’s war against Hamas has killed more than 44,800 Palestinians in Gaza, more than half of them women and children, according to the Gaza Health Ministry, which does not say how many were combatants. The October 2023 attack by Hamas in southern Israel that sparked the war killed about 1,200 people, mostly civilians, and about 250 others were taken hostage. Meanwhile, Israeli attacks in and around a hospital in northern Gaza wounded three medical staff overnight into Friday and damaged the isolated medical facility, according to its director. Dr. Hossam Abu Safiya said Israeli quadcopter drones carrying explosives deliberately targeted the emergency and reception area of Kamal Adwan Hospital, where one doctor was wounded for a third time. Abu Safiya said “relentless” drone and artillery strikes throughout the night exploded “alarmingly close” to the hospital, heavily damaging nearby buildings and destroying most of the water tanks on the hospital’s roof and blowing out doors and windows. Kamal Adwan Hospital in the town of Beit Lahiya has been hit multiple times over the past two months since Israel launched a fierce military operation against Hamas in northern Gaza. The Israeli military did not immediately respond to a request for comment on the strikes. Get local news delivered to your inbox!
Owners of the beloved ‘Maryland-Mex’ restaurant Nacho Mama’s said they will close its locations in Baltimore and Towson by mid-January.DALLAS , Dec. 13, 2024 /CNW/ -- We will release our fourth-quarter 2024 results on Monday, January 27, 2025 , and webcast a conference call to discuss results. Key Takeaways: AT&T (NYSE:T) will release its fourth-quarter 2024 results before the New York Stock Exchange opens on Monday, January 27, 2025 . The company's earnings release and related materials will be available at AT&T Investor Relations . At 8:30 a.m. ET the same day, AT&T will host a conference call to discuss the results. A live webcast of the call will also be available at AT&T Investor Relations , and the webcast replay and transcript will be available following the call. To automatically receive AT&T financial news by email, please subscribe to email alerts . About AT&T We help more than 100 million U.S. families, friends and neighbors, plus nearly 2.5 million businesses, connect to greater possibility. From the first phone call 140+ years ago to our 5G wireless and multi-gig internet offerings today, we @ATT innovate to improve lives. For more information about AT&T Inc. (NYSE:T), please visit us at about.att.com . Investors can learn more at investors.att.com . © 2024 AT&T Intellectual Property. All rights reserved. AT&T and the Globe logo are registered trademarks of AT&T Intellectual Property. View original content to download multimedia: https://www.prnewswire.com/news-releases/att-to-release-fourth-quarter-2024-earnings-on-january-27-302331704.html SOURCE AT&T
Jirga discusses steps to restore peace to Tirah valley BARA: A grand jirga on Friday reviewed the security situation and discussed ways and means to restore peace in Tirah valley in Khyber district, particularly in Bagh Maidan area. Chaired by Commissioner, Peshawar Division, Riaz Khan Mahsud, the Jirga was held at the deputy commissioner’s office in Khyber in Tirah. The tribal elders from various tribes, political leaders and government officials attended the jirga. The jirga focused on recent security incidents in Tirah and Bagh Maidan. Addressing the gathering, Riaz Mahsud reaffirmed the government’s commitment to restoring peace to Khyber district, stating that such efforts can only succeed through the cooperation of tribal elders, political figures, and local communities. “Establishing peace is not only a priority but a necessity for the prosperity of Khyber district,” he added. Riaz Mahsud also announced that the provincial government has approved Rs13 million in financial aid for the victims of recent incidents in Bhutan Sharif and Peer Mela, with plans to distribute the funds to affected families soon. During the jirga, the tribal elders presented the names of special committees from various tribes that would participate in further discussions with senior provincial and military officials. These committees will present their views on the security situation and propose recommendations for addressing the challenges in Tirah and Bagh Maidan. Following these discussions, a comprehensive action plan would be devised. The tribal elders expressed their gratitude to Riaz Mahsud, the district administration, and security forces for organising the jirga and providing a platform for dialogue.HICKSVILLE, N.Y. , Dec. 13, 2024 /PRNewswire/ -- Flagstar Financial, Inc. (NYSE: FLG) (the "Company") today announced the appointment of Brian Callanan , Senior Managing Director and General Counsel at Liberty Strategic Capital ("Liberty"), to its Board of Directors, effective December 16, 2024 . Commenting on the appointment, Joseph M. Otting , Chairman, President, and CEO said, "I'm pleased to have Brian join our Board. His proven track record and expertise in financial services, along with his strategic insights will be instrumental as we continue to execute on our transformation and long-term vision. Brian's perspectives will provide valuable guidance, and his leadership will play a critical role in driving sustainable growth, ensuring we achieve long-term success and maximize the value we deliver to our shareholders, employees, and clients." Callanan is a distinguished lawyer with extensive experience in financial regulation, regulatory compliance, and financial technology. At Liberty, Callanan leads the firm's legal function, serves on its Investment Committee, and focuses on financial sector investments. Prior to joining Liberty, he served as General Counsel of the U.S. Department of the Treasury, overseeing 2,000 lawyers across the department. As Chief General Counsel, he played a key role in major initiatives such as economic rescue programs during COVID-19, the design of new economic sanctions, and the implementation of tax reform. While serving as Deputy General Counsel, Callanan managed major litigation and advised on regulatory reform efforts, among other responsibilities. For his service, he received the Alexander Hamilton Award, the department's highest honor. This appointment aligns with the $1.05 billion equity investment in March 2024 , which stipulated that two Board seats would be granted to lead investor Liberty Strategic Capital. With Callanan's addition, the Company's Board of Directors, which was reconstituted earlier in 2024, expands to nine members, including Chairman, President, and Chief Executive Officer, Joseph M. Otting , Milton Berlinski , Alessandro P. DiNello , Alan Frank , Marshall Lux , Lead Independent Director Secretary Steven T. Mnuchin , Allen Puwalski , and Jennifer Whip. About Flagstar Financial, Inc. Flagstar Financial, Inc. is the parent company of Flagstar Bank, N.A., one of the largest regional banks in the country. The Company is headquartered in Hicksville, New York . At September 30, 2024, the Company had $114.4 billion of assets, $73.0 billion of loans, deposits of $83 .0 billion, and total stockholders' equity of $8 .6 billion. Flagstar Bank, N.A. operates over 400 branches, including a significant presence in the Northeast and Midwest and locations in high growth markets in the Southeast and West Coast. In addition, the Bank has approximately 80 private banking teams located in over 10 cities in the metropolitan New York City region and on the West Coast, which serve the needs of high-net worth individuals and their businesses. Cautionary Statements Regarding Forward-Looking Statements This release may include forward‐looking statements by the Company and our authorized officers pertaining to such matters as our goals, beliefs, intentions, and expectations regarding (a) revenues, earnings, loan production, asset quality, liquidity position, capital levels, risk analysis, divestitures, acquisitions, and other material transactions, among other matters; (b) the future costs and benefits of the actions we may take; (c) our assessments of credit risk and probable losses on loans and associated allowances and reserves; (d) our assessments of interest rate and other market risks; (e) our ability to execute on our strategic plan, including the sufficiency of our internal resources, procedures and systems; (f) our ability to attract, incentivize, and retain key personnel and the roles of key personnel; (g) our ability to achieve our financial and other strategic goals, including those related to our merger with Flagstar Bancorp, Inc., which was completed on December 1, 2022, our acquisition of substantial portions of the former Signature Bank through an FDIC-assisted transaction, and our ability to fully and timely implement the risk management programs institutions greater than $100 billion in assets must maintain; (h) the effect on our capital ratios of the approval of certain proposals approved by our shareholders during our 2024 annual meeting of shareholders; (i) the conversion or exchange of shares of the Company's preferred stock; (j) the payment of dividends on shares of the Company's capital stock, including adjustments to the amount of dividends payable on shares of the Company's preferred stock; (k) the availability of equity and dilution of existing equity holders associated with amendments to the 2020 Omnibus Incentive Plan; (l) the effects of the reverse stock split; and (m) transactions relating to the sale of our mortgage business and mortgage warehouse business. Forward‐looking statements are typically identified by such words as "believe," "expect," "anticipate," "intend," "outlook," "estimate," "forecast," "project," "should," "confident," and other similar words and expressions, and are subject to numerous assumptions, risks, and uncertainties, which change over time. Additionally, forward‐looking statements speak only as of the date they are made; the Company does not assume any duty, and does not undertake, to update our forward‐looking statements. Furthermore, because forward‐looking statements are subject to assumptions and uncertainties, actual results or future events could differ, possibly materially, from those anticipated in our statements, and our future performance could differ materially from our historical results. Our forward‐looking statements are subject to, among others, the following principal risks and uncertainties: general economic conditions and trends, either nationally or locally; conditions in the securities, credit and financial markets; changes in interest rates; changes in deposit flows, and in the demand for deposit, loan, and investment products and other financial services; changes in real estate values; changes in the quality or composition of our loan or investment portfolios, including associated allowances and reserves; changes in future allowance for credit losses, including changes required under relevant accounting and regulatory requirements; the ability to pay future dividends; changes in our capital management and balance sheet strategies and our ability to successfully implement such strategies; recent turnover in our Board of Directors and our executive management team; changes in our strategic plan, including changes in our internal resources, procedures and systems, and our ability to successfully implement such plan; changes in competitive pressures among financial institutions or from non‐financial institutions; changes in legislation, regulations, and policies; the imposition of restrictions on our operations by bank regulators; the outcome of pending or threatened litigation, or of investigations or any other matters before regulatory agencies, whether currently existing or commencing in the future; the success of our blockchain and fintech activities, investments and strategic partnerships; the restructuring of our mortgage business; our ability to recognize anticipated expense reductions and enhanced efficiencies with respect to our recently announced strategic workforce reduction; the impact of failures or disruptions in or breaches of the Company's operational or security systems, data or infrastructure, or those of third parties, including as a result of cyberattacks or campaigns; the impact of natural disasters, extreme weather events, military conflict (including the Russia / Ukraine conflict, the conflict in Israel and surrounding areas, the possible expansion of such conflicts and potential geopolitical consequences), terrorism or other geopolitical events; and a variety of other matters which, by their nature, are subject to significant uncertainties and/or are beyond our control. Our forward-looking statements are also subject to the following principal risks and uncertainties with respect to our merger with Flagstar Bancorp, which was completed on December 1, 2022 , and our acquisition of substantial portions of the former Signature Bank through an FDIC-assisted transaction: the possibility that the anticipated benefits of the transactions will not be realized when expected or at all; the possibility of increased legal and compliance costs, including with respect to any litigation or regulatory actions related to the business practices of acquired companies or the combined business; diversion of management's attention from ongoing business operations and opportunities; the possibility that the Company may be unable to achieve expected synergies and operating efficiencies in or as a result of the transactions within the expected timeframes or at all; and revenues following the transactions may be lower than expected. Additionally, there can be no assurance that the Community Benefits Agreement entered into with NCRC, which was contingent upon the closing of the Company's merger with Flagstar Bancorp, Inc., will achieve the results or outcome originally expected or anticipated by us as a result of changes to our business strategy, performance of the U.S. economy, or changes to the laws and regulations affecting us, our customers, communities we serve, and the U.S. economy (including, but not limited to, tax laws and regulations). More information regarding some of these factors is provided in the Risk Factors section of our Annual Report on Form 10‐K/A for the year ended December 31, 2023, Quarterly Report on Forms 10-Q for the quarters ended March 31, 2024 , June 30, 2024 , and September 30, 2024 , and in other SEC reports we file. Our forward‐looking statements may also be subject to other risks and uncertainties, including those we may discuss in this news release, on our conference call, during investor presentations, or in our SEC filings, which are accessible on our website and at the SEC's website, www.sec.gov . Investor Contact: Salvatore J. DiMartino (516) 683-4286 Media Contact: Nicole Yelland (248) 219-9234 View original content to download multimedia: https://www.prnewswire.com/news-releases/flagstar-financial-inc-appoints-brian-callanan-to-board-of-directors-302331692.html SOURCE Flagstar Financial, Inc.
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