Item 4. Controls and Procedures

Disclosure Controls and Procedures

Rule 13a-15(e) and 15d-15(e) of the Securities and Exchange Act of 1934, as amended, requires that we conduct an

evaluation of the effectiveness of our disclosure controls and procedures as of the end of the period covered by this Quarterly

Report, and we have a disclosure policy in furtherance of the same. This evaluation is designed to ensure that all corporate

disclosure is complete and accurate in all material respects. The evaluation is further designed to ensure that all information

required to be disclosed in our SEC reports is accumulated and communicated to management to allow timely decisions

regarding required disclosures and that information is recorded, processed, summarized and reported within the time periods

and in the manner specified in the SEC’s rules and forms. Any controls and procedures, no matter how well designed and

operated, can provide only reasonable assurance of achieving the desired control objectives. Our Chief Executive Officer and

Chief Financial Officer supervise and participate in this evaluation, and they are assisted by members of our Disclosure

Committee. Our Disclosure Committee consists of our Chief Legal & Administrative Officer, our Deputy Chief Financial

Officer, our senior officers of significant business lines and other select employees.

We conducted the required evaluation, and our Chief Executive Officer and Chief Financial Officer have concluded

that our disclosure controls and procedures (as defined by Securities Exchange Act Rule 13a-15(e)) were effective as of

June 30, 2026 to accomplish their objectives at the reasonable assurance level.

Changes in Internal Control Over Financial Reporting

There have been no changes in our internal control over financial reporting during the fiscal quarter ended June 30,

2026 that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.

PART II – OTHER INFORMATION

Item 1.Legal Proceedings

There have been no material changes to our legal proceedings as previously disclosed in our 2025 Annual Report.