Common use of Participants in the Solicitation Clause in Contracts

Participants in the Solicitation. MAC and its directors and executive officers may be deemed participants in the solicitation of proxies from MAC's shareholders with respect to the business combination. MAC shareholders and other interested persons may obtain, without charge, more detailed information regarding the directors and officers of MAC in MAC’s final prospectus filed with the SEC on July 30, 2021 in connection with MAC’s initial public offering and in MAC’s other periodic and current reports filed with the SEC. Information regarding the persons who may, under SEC rules, be deemed participants in the solicitation of proxies to MAC’s shareholders in connection with the proposed business combination will be set forth in the proxy statement/prospectus for the proposed business combination when available. Additional information regarding the interests of participants in the solicitation of proxies in connection with the proposed business combination will be included in the proxy statement/prospectus that MAC intends to file with the SEC. Forward Looking Statements This press release includes “forward-looking statements.” MAC’s actual results may differ from expectations, estimates, and projections and, consequently, you should not rely on these forward-looking statements as predictions of future events. Words such as “expect,” “estimate,” “project,” “budget,” “forecast,” “anticipate,” “intend,” “plan,” “may,” “will,” “could,” “should,” “believes,” “predicts,” “potential,” “continue,” and similar expressions (or the negative versions of such words or expressions) are intended to identify such forward-looking statements. These forward-looking statements include, without limitation, MAC’s expectations with respect to future performance of the CSA Copper Mine and anticipated financial impacts and other effects of the proposed business combination, the satisfaction of the closing conditions to the proposed transaction and the timing of the completion of the proposed transaction. These forward-looking statements involve significant risks and uncertainties that could cause the actual results to differ materially from those discussed in the forward-looking statements. Most of these factors are outside MAC’s control and are difficult to predict. Factors that may cause such differences include, but are not limited to: the occurrence of any event, change, or other circumstances that could give rise to the termination of the Transaction Agreement; the outcome of any legal proceedings that may be instituted against MAC following the announcement of the Transaction Agreement; the inability to complete the proposed transaction, including due to failure to obtain approval of the shareholders of MAC, certain regulatory approvals, or satisfy other conditions to closing in the Transaction Agreement; the occurrence of any event, change, or other circumstance that could give rise to the termination of the Transaction Agreement or could otherwise cause the transaction to fail to close MAC’s inability to secure the expecting financing for the consideration under the Transaction Agreement; the inability to obtain or maintain the listing of MAC’s shares following the proposed transaction; the risk that the proposed transaction disrupts current plans and operations as a result of the announcement and consummation of the proposed business combination; the ability to recognize the anticipated benefits of the proposed business combination, which may be affected by, among other things; the supply and demand for copper; the future price of copper; the timing and amount of estimated future production, costs of production, capital expenditures and requirements for additional capital; cash flow provided by operating activities; unanticipated reclamation expenses; claims and limitations on insurance coverage; the uncertainty in mineral resource estimates; the uncertainty in geological, metallurgical and geotechnical studies and opinions; infrastructure risks; and dependence on key management personnel and executive officers; and other risks and uncertainties indicated from time to time in the final prospectus of MAC for its initial public offering and the proxy statement/prospectus relating to the proposed business combination, including those under “Risk Factors” therein, and in MAC’s other filings with the SEC. MAC caution that the foregoing list of factors is not exclusive. MAC caution readers not to place undue reliance upon any forward-looking statements, which speak only as of the date made. MAC do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements to reflect any change in its expectations or any change in events, conditions, or circumstances on which any such statement is based. More information on potential factors that could affect MAC’s or CSA’s financial results is included from time to time in MAC’s public reports filed with the SEC, including its Annual Report on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K as well as the preliminary and the definitive proxy statements MAC intends to file with the SEC in connection with MAC’s solicitation of proxies for the meeting of shareholders to be held to approve, among other things, the proposed business combination. If any of these risks materialize or MAC’s assumptions prove incorrect, actual results could differ materially from the results implied by these forward-looking statements. There may be additional risks that MAC does not presently know, or that MAC currently believes are immaterial, that could also cause actual results to differ from those contained in the forward-looking statements. In addition, forward-looking statements reflect MAC’s expectations, plans or forecasts of future events and views as of the date of this communication. MAC anticipates that subsequent events and developments will cause its assessments to change. However, while MAC may elect to update these forward-looking statements at some point in the future, MAC specifically disclaims any obligation to do so, except as required by law. These forward-looking statements should not be relied upon as representing MAC’s assessment as of any date subsequent to the date of this communication. Accordingly, undue reliance should not be placed upon the forward-looking statements.

Participants in the Solicitation. MAC and The Company, its directors and certain of its executive officers and other employees may be deemed to be participants in the solicitation of proxies from MAC's shareholders with respect to the business combination. MAC shareholders and other interested persons may obtain, without charge, more detailed information regarding the directors and officers of MAC in MAC’s final prospectus filed with the SEC on July 30, 2021 in connection with MAC’s initial public offering and in MAC’s other periodic and current reports filed with the SEC. Information regarding the persons who may, under SEC rules, be deemed participants in the solicitation of proxies to MAC’s shareholders in connection with the proposed business combination 2023 Annual Meeting. Additional information regarding the identity of these potential participants, none of whom, other than Xxxxxxx Xxxxx, Xxxx Xxxxx and Xxxxxxx XxxXxxxxxxx, owns in excess of one percent (1%) of the Company’s shares, and their direct or indirect interests, by security holdings or otherwise, will be set forth in the proxy statement/prospectus for applicable Proxy Statement and other materials to be filed with the proposed business combination when available. Additional information regarding the interests of participants in the solicitation of proxies SEC in connection with the proposed business combination will 2023 Annual Meeting. Information relating to the foregoing can also be included found in the Company’s proxy statement/prospectus that MAC intends to file statement in connection with the Company’s 2022 annual meeting of stockholders (the “2022 Proxy Statement”). Information regarding subsequent changes to their holdings in the Company’s securities can be found in the SEC filings on Forms 3 and 4 and amendments to Schedule 13D which you may retain free copies of at the SEC’s website (xxxx://xxx.xxx.xxx) or at the Company’s website (xxxxx://xxxxxxxxx.xxxxxxxxx.xxx). Forward Forward-Looking Statements This press release includes may contain “forward-looking statements.,” MACwhich reflect loanDepot’s actual results may differ from expectationscurrent views with respect to, estimatesamong other things, its business strategies, including the Vision 2025 plan, our HELOC product, financial condition and projections andliquidity, consequentlycompetitive position, you should not rely on industry and regulatory environment, potential growth opportunities, the effects of competition, operations and financial performance. You can identify these forward-looking statements as predictions by the use of future events. Words words such as “outlook,” “potential,” “continue,” “may,” “seek,” “approximately,” “predict,” “believe,” “expect,” “plan,” “intend,” “estimate,” “project,” “budget,” “forecast,” or “anticipate,” “intend,” “plan,” “may,” and similar expressions or the negative versions of these words or comparable words, as well as future or conditional verbs such as “will,” “could,” “should,” “believes,” “predicts,” “potential,” “continue,would” and similar expressions (or the negative versions of such words or expressions) are intended to identify such forward-looking statements. “could.” These forward-looking statements includeare based on current available operating, without limitationfinancial, MAC’s expectations with respect to economic and other information, and are not guarantees of future performance of and are subject to risks, uncertainties and assumptions, including the CSA Copper Mine and anticipated financial impacts and other effects of the proposed business combination, the satisfaction of the closing conditions to the proposed transaction and the timing of the completion of the proposed transaction. These forward-looking statements involve significant risks and uncertainties that could cause the actual results to differ materially from those discussed in the forward-looking statements. Most of these factors are outside MAC’s control and are difficult to predict. Factors that may cause such differences include, but are not limited to: the occurrence of any event, change, or other circumstances that could give rise to the termination of the Transaction Agreement; the outcome of any legal proceedings that may be instituted against MAC following the announcement of the Transaction Agreement; the inability to complete the proposed transaction, including due to failure to obtain approval of the shareholders of MAC, certain regulatory approvals, or satisfy other conditions to closing in the Transaction Agreement; the occurrence of any event, change, or other circumstance that could give rise to the termination of the Transaction Agreement or could otherwise cause the transaction to fail to close MAC’s inability to secure the expecting financing for the consideration under the Transaction Agreement; the inability to obtain or maintain the listing of MAC’s shares following the proposed transaction; the risk that the proposed transaction disrupts current plans and operations as a result of the announcement and consummation of the proposed business combination; the ability to recognize the anticipated benefits of the proposed business combination, which may be affected by, among other things; the supply and demand for copper; the future price of copper; the timing and amount of estimated future production, costs of production, capital expenditures and requirements for additional capital; cash flow provided by operating activities; unanticipated reclamation expenses; claims and limitations on insurance coverage; the uncertainty in mineral resource estimates; the uncertainty in geological, metallurgical and geotechnical studies and opinions; infrastructure risks; and dependence on key management personnel and executive officers; and other risks and uncertainties indicated from time to time in the final prospectus of MAC for its initial public offering and the proxy statement/prospectus relating to the proposed business combination, including those under “Risk Factors” thereinsection of loanDepot, and in MACInc.’s other filings with the SEC. MAC caution that the foregoing list of factors is not exclusive. MAC caution readers not to place undue reliance upon any forward-looking statements, which speak only as of the date made. MAC do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements to reflect any change in its expectations or any change in events, conditions, or circumstances on which any such statement is based. More information on potential factors that could affect MAC’s or CSA’s financial results is included from time to time in MAC’s public reports filed with the SEC, including its Annual Report on Form 10-KK for the year ended December 31, Quarterly Reports on Form 10-Q2022 as well as any subsequent filings with the Securities and Exchange Commission, and Current Reports on Form 8-K which are difficult to predict. Therefore, current plans, anticipated actions, financial results, as well as the preliminary and anticipated development of the definitive proxy statements MAC intends to file with the SEC in connection with MAC’s solicitation of proxies for the meeting of shareholders to be held to approveindustry, among other things, the proposed business combination. If any of these risks materialize or MAC’s assumptions prove incorrect, actual results could may differ materially from the results implied by these what is expressed or forecasted in any forward-looking statementsstatement. There may be additional risks that MAC loanDepot does not presently know, undertake any obligation to publicly update or that MAC currently believes are immaterial, that could also cause actual results to differ from those contained in the revise any forward-looking statements. In addition, forward-looking statements statement to reflect MAC’s expectations, plans or forecasts of future events and views as of the date of this communication. MAC anticipates that subsequent events and developments will cause its assessments to change. However, while MAC may elect to update these forward-looking statements at some point in the future, MAC specifically disclaims any obligation to do soor circumstances, except as required by applicable law. These forwardInvestor Relations Contact: Xxxxxxx Xxxxxxx Senior Vice President, Investor Relations (000) 000-looking statements should not be relied upon as representing MAC’s assessment as of any date subsequent to the date of this communication. Accordingly0000 xxxxxxxx@xxxxxxxxx.xxx Media Contacts: Xxxxxxxx Xxxx VP, undue reliance should not be placed upon the forwardPublic Relations (000) 000-looking statements.0000 xxxxx@xxxxxxxxx.xxx FGS Global For loanDepot Xxxxxx Xxxx/Xxx Xxxxxxxx/Xxxx Xxxxxxxxx (000) 000-0000 xxxxXxxxx-XX@xxxxxxxxx.xxx FTI for Xxxxxxx Xxxxx Xxx Xxxx Xxx.Xxxx@xxxxxxxxxxxxx.xxx (000) 000-0000

Participants in the Solicitation. MAC and its This communication is not a solicitation of a proxy from any security holder of Greater Community Bancorp. However, Valley, Greater Community, their respective directors and executive officers and other persons may be deemed to be participants in the solicitation of proxies from MAC's shareholders with respect to the business combination. MAC shareholders and other interested persons may obtain, without charge, more detailed information regarding the directors and officers of MAC in MAC’s final prospectus filed with the SEC on July 30, 2021 in connection with MAC’s initial public offering and in MAC’s other periodic and current reports filed with the SEC. Information regarding the persons who may, under SEC rules, be deemed participants in the solicitation of proxies to MACGreater Community’s shareholders in connection with the proposed business combination will be set forth in the proxy statement/prospectus for the proposed business combination when available. Additional information regarding the interests of participants in the solicitation of proxies in connection with the proposed business combination will be included in the proxy statement/prospectus that MAC intends to file with the SEC. Forward Looking Statements This press release includes “forward-looking statements.” MAC’s actual results may differ from expectations, estimates, and projections and, consequently, you should not rely on these forward-looking statements as predictions of future events. Words such as “expect,” “estimate,” “project,” “budget,” “forecast,” “anticipate,” “intend,” “plan,” “may,” “will,” “could,” “should,” “believes,” “predicts,” “potential,” “continue,” and similar expressions (or the negative versions of such words or expressions) are intended to identify such forward-looking statements. These forward-looking statements include, without limitation, MAC’s expectations with respect to future performance of the CSA Copper Mine and anticipated financial impacts and other effects of the proposed business combination, the satisfaction of the closing conditions to the proposed transaction and the timing of the completion of the proposed transaction. These forward-looking statements involve significant risks Information regarding the directors and uncertainties that could cause the actual results to differ materially from those discussed in the forward-looking statements. Most executive officers of these factors are outside MAC’s control and are difficult to predict. Factors that may cause such differences include, but are not limited to: the occurrence of any event, change, or other circumstances that could give rise to the termination of the Transaction Agreement; the outcome of any legal proceedings that Valley may be instituted against MAC following the announcement found in its definitive proxy statement relating to its 2008 Annual Meeting of the Transaction Agreement; the inability to complete the proposed transaction, including due to failure to obtain approval of the shareholders of MAC, certain regulatory approvals, or satisfy other conditions to closing in the Transaction Agreement; the occurrence of any event, change, or other circumstance that could give rise to the termination of the Transaction Agreement or could otherwise cause the transaction to fail to close MAC’s inability to secure the expecting financing for the consideration under the Transaction Agreement; the inability to obtain or maintain the listing of MAC’s shares following the proposed transaction; the risk that the proposed transaction disrupts current plans and operations as a result of the announcement and consummation of the proposed business combination; the ability to recognize the anticipated benefits of the proposed business combinationShareholders, which may be affected by, among other things; the supply and demand for copper; the future price of copper; the timing and amount of estimated future production, costs of production, capital expenditures and requirements for additional capital; cash flow provided by operating activities; unanticipated reclamation expenses; claims and limitations on insurance coverage; the uncertainty in mineral resource estimates; the uncertainty in geological, metallurgical and geotechnical studies and opinions; infrastructure risks; and dependence on key management personnel and executive officers; and other risks and uncertainties indicated from time to time in the final prospectus of MAC for its initial public offering and the proxy statement/prospectus relating to the proposed business combination, including those under “Risk Factors” therein, and in MAC’s other filings with the SEC. MAC caution that the foregoing list of factors is not exclusive. MAC caution readers not to place undue reliance upon any forward-looking statements, which speak only as of the date made. MAC do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements to reflect any change in its expectations or any change in events, conditions, or circumstances on which any such statement is based. More information on potential factors that could affect MAC’s or CSA’s financial results is included from time to time in MAC’s public reports was filed with the SECCommission on March 6, including 2008 and can be obtained free of charge from Valley’s website. Information regarding the directors and executive officers of Greater Community may be found in its 2007 Annual Report on Form 10-K, Quarterly Reports which was filed with the Commission on Form 10-QMarch 12, 2008 and Current Reports on Form 8-K as well as can be obtained free of charge from Greater Community’s website. Other information regarding the preliminary participants in the proxy solicitation and a description of their direct and indirect interests, by security holdings or otherwise, will be contained in the definitive proxy statements MAC intends statement/prospectus and other relevant materials to file be filed with the SEC in connection with MACwhen they become available. Forward Looking Statements The foregoing contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements are not historical facts and include expressions about management’s solicitation confidence and strategies and management’s expectations about new and existing programs and products, relationships, opportunities, taxation, technology and market conditions. These statements may be identified by such forward-looking terminology as “expect,” “believe,” “view,” “opportunity,” “allow,” “continues,” “reflects,” “typically,” “usually,” “anticipate,” or similar statements or variations of proxies for the meeting of shareholders to be held to approve, among other things, the proposed business combinationsuch terms. If any of these Such forward-looking statements involve certain risks materialize or MAC’s assumptions prove incorrect, actual and uncertainties. Actual results could may differ materially from the results implied by these such forward-looking statements. There Factors that may be additional risks that MAC does not presently know, or that MAC currently believes are immaterial, that could also cause actual results to differ from those contained in the forward-looking statements. In addition, contemplated by such forward-looking statements reflect MACinclude, but are not limited to, the following: failure to obtain shareholder or regulatory approval for the merger of Greater Community with Valley or to satisfy other conditions to the merger on the proposed terms and within the proposed timeframe; the inability to realize expected cost savings and synergies from the merger of Greater Community with Valley in the amounts or in the timeframe anticipated; changes in the estimate of non-recurring charges; costs or difficulties relating to integration matters might be greater than expected; material adverse changes in Valley’s expectationsor Greater Community’s operations or earnings; the inability to retain Greater Community’s customers and employees; or a decline in the economy in Valley’s primary market areas, plans or forecasts of future events mainly in New Jersey and views as of the date of this communicationNew York. MAC anticipates that subsequent events Valley and developments will cause its assessments to change. However, while MAC may elect to update these Greater Community assume no obligation for updating any such forward-looking statements statement at some point in the future, MAC specifically disclaims any obligation to do so, except as required by law. These forward-looking statements should not be relied upon as representing MAC’s assessment as of any date subsequent to the date of this communication. Accordingly, undue reliance should not be placed upon the forward-looking statementstime.

Participants in the Solicitation. MAC and The Company, its directors and certain of its executive officers and other employees may be deemed to be participants in the solicitation of proxies from MAC's shareholders with respect to the business combination. MAC shareholders and other interested persons may obtain, without charge, more detailed information regarding the directors and officers of MAC in MAC’s final prospectus filed with the SEC on July 30, 2021 in connection with MAC’s initial public offering and in MAC’s other periodic and current reports filed with the SEC. Information regarding the persons who may, under SEC rules, be deemed participants in the solicitation of proxies to MAC’s shareholders in connection with the proposed business combination 2023 Annual Meeting. Additional information regarding the identity of these potential participants, none of whom, other than Xxxxxxx Xxxxx, Xxxx Xxxxx and Xxxxxxx XxxXxxxxxxx, owns in excess of one percent (1%) of the Company’s shares, and their direct or indirect interests, by security holdings or otherwise, will be set forth in the proxy statement/prospectus for applicable Proxy Statement and other materials to be filed with the proposed business combination when available. Additional information regarding the interests of participants in the solicitation of proxies SEC in connection with the proposed business combination will 2023 Annual Meeting. Information relating to the foregoing can also be included found in the Company’s proxy statement/prospectus that MAC intends to file statement in connection with the Company’s 2022 annual meeting of stockholders (the “2022 Proxy Statement”). Information regarding subsequent changes to their holdings in the Company’s securities can be found in the SEC filings on Forms 3 and 4 and amendments to Schedule 13D which you may retain free copies of at the SEC's website (xxxx://xxx.xxx.xxx) or at the Company's website (xxxxx://xxxxxxxxx.xxxxxxxxx.xxx). Forward Forward-Looking Statements This press release includes “may contain "forward-looking statements.” MAC’s actual results may differ from expectations," which reflect loanDepot's current views with respect to, estimatesamong other things, its business strategies, including the Vision 2025 plan, our HELOC product, financial condition and projections andliquidity, consequentlycompetitive position, you should not rely on industry and regulatory environment, potential growth opportunities, the effects of competition, operations and financial performance. You can identify these forward-looking statements as predictions by the use of future events. Words words such as “"outlook," "potential," "continue," "may," "seek," "approximately," "predict," "believe," "expect,” “" "plan," "intend," "estimate,” “" "project,” “budget,” “forecast,” “" or "anticipate,” “intend,” “plan,” “may,” “will,” “could,” “should,” “believes,” “predicts,” “potential,” “continue,” " and similar expressions (or the negative versions of such these words or expressions) are intended to identify comparable words, as well as future or conditional verbs such forward-looking statements. as "will," "should," "would" and "could." These forward-looking statements includeare based on current available operating, without limitationfinancial, MAC’s expectations with respect to economic and other information, and are not guarantees of future performance of and are subject to risks, uncertainties and assumptions, including the CSA Copper Mine and anticipated financial impacts and other effects of the proposed business combination, the satisfaction of the closing conditions to the proposed transaction and the timing of the completion of the proposed transaction. These forward-looking statements involve significant risks and uncertainties that could cause the actual results to differ materially from those discussed in the forward-looking statements. Most of these factors are outside MAC’s control and are difficult to predict. Factors that may cause such differences include, but are not limited to: the occurrence of any event, change, or other circumstances that could give rise to the termination of the Transaction Agreement; the outcome of any legal proceedings that may be instituted against MAC following the announcement of the Transaction Agreement; the inability to complete the proposed transaction, including due to failure to obtain approval of the shareholders of MAC, certain regulatory approvals, or satisfy other conditions to closing in the Transaction Agreement; the occurrence of any event, change, or other circumstance that could give rise to the termination of the Transaction Agreement or could otherwise cause the transaction to fail to close MAC’s inability to secure the expecting financing for the consideration under the Transaction Agreement; the inability to obtain or maintain the listing of MAC’s shares following the proposed transaction; the risk that the proposed transaction disrupts current plans and operations as a result of the announcement and consummation of the proposed business combination; the ability to recognize the anticipated benefits of the proposed business combination, which may be affected by, among other things; the supply and demand for copper; the future price of copper; the timing and amount of estimated future production, costs of production, capital expenditures and requirements for additional capital; cash flow provided by operating activities; unanticipated reclamation expenses; claims and limitations on insurance coverage; the uncertainty in mineral resource estimates; the uncertainty in geological, metallurgical and geotechnical studies and opinions; infrastructure risks; and dependence on key management personnel and executive officers; and other risks and uncertainties indicated from time to time in the final prospectus of MAC for its initial public offering and the proxy statement/prospectus relating to the proposed business combination, including those under “"Risk Factors” therein" section of loanDepot, and in MAC’s other filings with the SEC. MAC caution that the foregoing list of factors is not exclusive. MAC caution readers not to place undue reliance upon any forward-looking statements, which speak only as of the date made. MAC do not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements to reflect any change in its expectations or any change in events, conditions, or circumstances on which any such statement is based. More information on potential factors that could affect MAC’s or CSA’s financial results is included from time to time in MAC’s public reports filed with the SEC, including its Inc.'s Annual Report on Form 10-KK for the year ended December 31, Quarterly Reports on Form 10-Q2022 as well as any subsequent filings with the Securities and Exchange Commission, and Current Reports on Form 8-K which are difficult to predict. Therefore, current plans, anticipated actions, financial results, as well as the preliminary and anticipated development of the definitive proxy statements MAC intends to file with the SEC in connection with MAC’s solicitation of proxies for the meeting of shareholders to be held to approveindustry, among other things, the proposed business combination. If any of these risks materialize or MAC’s assumptions prove incorrect, actual results could may differ materially from the results implied by these what is expressed or forecasted in any forward-looking statementsstatement. There may be additional risks that MAC loanDepot does not presently know, undertake any obligation to publicly update or that MAC currently believes are immaterial, that could also cause actual results to differ from those contained in the revise any forward-looking statements. In addition, forward-looking statements statement to reflect MAC’s expectations, plans or forecasts of future events and views as of the date of this communication. MAC anticipates that subsequent events and developments will cause its assessments to change. However, while MAC may elect to update these forward-looking statements at some point in the future, MAC specifically disclaims any obligation to do soor circumstances, except as required by applicable law. These forwardInvestor Relations Contact: Xxxxxxx Xxxxxxx Senior Vice President, Investor Relations (000) 000-looking statements should not be relied upon as representing MAC’s assessment as of any date subsequent to the date of this communication. Accordingly0000 xxxxxxxx@xxxxxxxxx.xxx Media Contacts: Xxxxxxxx Xxxx VP, undue reliance should not be placed upon the forwardPublic Relations (000) 000-looking statements.0000 xxxxx@xxxxxxxxx.xxx FGS Global For loanDepot Xxxxxx Xxxx/Xxx Xxxxxxxx/Xxxx Xxxxxxxxx (000) 000-0000 xxxxXxxxx-XX@xxxxxxxxx.xxx FTI for Xxxxxxx Xxxxx Xxx Xxxx Xxx.Xxxx@xxxxxxxxxxxxx.xxx