关于前瞻性陈述的警示声明
本招股说明书、任何招股说明书补充文件以及通过引用纳入本文的文件包含1995年《私人证券诉讼改革法案》定义的前瞻性陈述。虽然我们认为，我们在这些前瞻性陈述中反映或建议的计划、意图和期望是合理的，但我们不能向您保证我们将实现
或实现这些计划、意图或期望。前瞻性陈述固有地受到风险、不确定性、假设和其他因素的影响，这些因素可能导致实际结果与
此类前瞻性陈述中明示或暗示的结果存在重大差异。一般而言，非历史事实的陈述，包括有关我们可能或假设的未来行动、业务策略、事件或经营结果的陈述，均为前瞻性陈述。
这些陈述的前面、后面可能加上或包含以下词语：相信、预计项目、预计预测、预计可能、预计将、预计将、预计
预计、预计或类似表述。“”“”“”“”“”“”“”“”“”“”“”“”“”
These
forward-looking statements are based upon estimates and assumptions that, while considered reasonable by the Company and its management at the time they are made, are inherently uncertain. Factors that may cause actual results to differ materially
from current expectations include, but are not limited to: (1) expansion plans and opportunities, and managing growth, to build a consumer brand; (2) the incidence, frequency, and severity of weather events, extensive wildfires, and other
catastrophes; (3) economic conditions, especially those affecting the housing, insurance, and financial markets; (4) expectations regarding revenue, cost of revenue, operating expenses, and the ability to achieve and maintain future
profitability; (5) existing and developing federal and state laws and regulations, including with respect to insurance, warranty, privacy, information security, data protection, and taxation, and management’s interpretation of and
compliance with such laws and regulations; (6) the Company’s reinsurance program, which includes the use of a captive reinsurer, the success of which is dependent on a number of factors outside management’s control, along with
reliance on reinsurance to protect against loss; (7) the uncertainty and significance of the known and unknown effects on the Company’s insurance carrier subsidiary, Homeowners of America Insurance Company (“HOA”), and the
Company due to the termination of a reinsurance contract following the fraud committed by Vesttoo Ltd. (“Vesttoo”), including, but not limited to, the outcome of Vesttoo’s Chapter 11 bankruptcy proceedings; the Company’s ability
to successfully pursue claims arising out of the fraud, the costs associated with pursuing the claims, and the timeframe associated with any recoveries; HOA’s ability to obtain and maintain adequate reinsurance coverage against excess losses;
HOA’s ability to stay out of regulatory supervision and maintain its financial stability rating; and HOA’s ability to maintain a healthy surplus; (8) uncertainties related to regulatory approval of insurance rates, policy forms,
insurance products, license applications, acquisitions of businesses, or strategic initiatives, including the reciprocal restructuring, and other matters within the purview of insurance regulators; (9) reliance on strategic, proprietary
relationships to provide the Company with access to personal data and product information, and the ability to use such data and information to increase transaction volume and attract and retain customers; (10) the ability to develop new, or
enhance existing, products, services, and features and bring them to market in a timely manner; (11) changes in capital requirements, and the ability to access capital when needed to provide statutory surplus; (12) our ability to timely
repay our outstanding indebtedness; (13) the increased costs and initiatives required to address new legal and regulatory requirements arising from developments related to cybersecurity, privacy, and data governance and the increased costs and
initiatives to protect against data breaches, cyber-attacks, virus or malware attacks, or other infiltrations or incidents affecting system integrity, availability, and performance; (14) retaining and attracting skilled and experienced
employees; (15) costs related to being a public company; and (16) other risks and uncertainties discussed in Part I, Item 1A, “Risk Factors,” in the Company’s Annual Report on Form
10-K for the year ended December 31, 2023, as well as those discussed in subsequent reports filed with the SEC, all of which are available on the SEC’s website at www.sec.gov.
本招股说明书、任何招股说明书补充文件或本文所包含的文件中的任何内容均不应被视为任何
人士表示将实现本文所述的前瞻性陈述，或该等前瞻性陈述的任何预期结果将实现。您不应过分依赖前瞻性陈述，这些陈述
仅在作出日期。除非另有特别说明，本招股说明书、任何招股说明书补充文件以及通过引用方式纳入本文的文件中的前瞻性陈述并不反映截至发布日期尚未完成的任何
资产剥离、合并、收购或其他业务合并的潜在影响。公司不承担任何责任更新这些前瞻性陈述，无论是由于情况的变化、
新信息、未来事件或其他原因，除非法律要求。
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