NOTE 15 — SUBSEQUENT EVENTS

The Company has evaluated subsequent events through the date of issuance of these condensed consolidated financial statements.

Acquisition of Constant Investments, Inc.

On July 1, 2026, the Company completed the acquisition of all of the issued and outstanding shares of Constant Investments, Inc., doing business as Mortgage One Group (“Mortgage One”), pursuant to the Stock Purchase Agreement dated May 8, 2026, as amended on May 12, 2026. As a result of the acquisition, Mortgage One became a wholly owned subsidiary of the Company. The purchase consideration consisted of 300,000 shares of the Company’s common stock and contingent cash consideration of up to $750,000 based on the post-closing performance of Mortgage One’s mortgage origination business over a two-year period. In connection with the acquisition, the Company also entered into consulting arrangements with the sellers providing for aggregate cash compensation of $250,000 for transition support and related services over the two-year post-closing period. Such consulting compensation is separate from the purchase consideration.

The following unaudited supplemental pro forma information presents the combined results of operations of the Company and Mortgage One as if the acquisition had occurred at the beginning of the periods presented:

The pro forma results are not necessarily indicative of the results that would have occurred had the acquisition been completed as of the beginning of the periods presented, nor are they necessarily indicative of future operating results. The pro forma information is based on historical financial information currently available to the Company and is subject to change upon completion of the purchase price allocation.