Insider transactions

Payment of exercise price or tax liability by delivering or withholding securities incident to the receipt, exercise or vesting of a security issued in accordance with Rule 16b-3

• F1 Shares were withheld from vested stock grant to pay the associated withholding taxes.
• F2 Includes 34,551 shares received pursuant to unvested restricted stock grants. The shares vest to the extent of 1,042 shares on March 3, 2027, 10,822 shares on August 25, 2027, 1,042 shares on March 3, 2028 and 21,645 shares on August 25, 2028.

Payment of exercise price or tax liability by delivering or withholding securities incident to the receipt, exercise or vesting of a security issued in accordance with Rule 16b-3

• F1 Shares were withheld from vested stock grant to pay the associated withholding taxes.
• F2 Includes 12,727 shares received pursuant to unvested restricted stock grants. Such shares vest to the extent of 6,520 shares on March 3, 2027, 3,333 shares on June 18, 2027 and 2,874 shares on March 3, 2028.

Open market or private purchase of non-derivative or derivative security

• F2 This transaction was executed in multiple trades at prices ranging from $14.97 to $15.00 per share. The price reported above reflects the weighted average purchase price. The reporting person hereby undertakes to provide, upon request to the SEC staff, the issuer or a security holder of the issuer, full information regarding the number of shares and prices at which the transactions were effected.
• F1 Includes 3,149 unvested shares received as director fees. Such shares vest on January 2, 2027, subject to earlier vesting under certain circumstances.

Open market or private purchase of non-derivative or derivative security

• F1 Includes 3,149 unvested shares received as director fees. Such shares vest on January 2, 2027, subject to earlier vesting under certain circumstances.

Open market or private purchase of non-derivative or derivative security

• F3 This transaction was executed in multiple trades at prices ranging from $14.15 to $14.60 per share. The price reported above reflects the weighted average purchase price. The reporting person hereby undertakes to provide, upon request to the SEC staff, the issuer or a security holder of the issuer, full information regarding the number of shares and prices at which the transactions were effected.
• F2 Includes 3,149 unvested shares received as director fees. Such shares vest on January 2, 2027, subject to earlier vesting under certain circumstances.

Open market or private purchase of non-derivative or derivative security

• F1 This transaction was executed in multiple trades at prices ranging from $13.97 to $14.75 per share. The price reported above reflects the weighted average purchase price. The reporting person hereby undertakes to provide, upon request to the SEC staff, the issuer or a security holder of the issuer, full information regarding the number of shares and prices at which the transactions were effected.
• F2 Includes 3,149 unvested shares received as director fees. Such shares vest on January 2, 2027, subject to earlier vesting under certain circumstances.

Open market or private sale of non-derivative or derivative security

• F1 The sale reported in this Form 4 was effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on September 8, 2025.
• F2 Includes 3,149 unvested shares received as director fees. Such shares vest on January 2, 2027, subject to earlier vesting under certain circumstances.

Payment of exercise price or tax liability by delivering or withholding securities incident to the receipt, exercise or vesting of a security issued in accordance with Rule 16b-3

• F1 Shares were withheld from vested stock grant to pay the associated withholding taxes.
• F2 Includes 14,055 shares received pursuant to unvested restricted stock grants. Such shares vest to the extent of 2,028 shares on March 3, 2027, 5,000 shares on April 15, 2027, 2,027 shares on March 3, 2028 and 5,000 shares on April 15, 2028.

Grant, award or other acquisition pursuant to Rule 16b-3(d)

• F1 Shares received pursuant to restricted stock grant.
• F2 Includes 16,060 shares received pursuant to unvested restricted stock grants. Such shares vest to the extent of 3,333 shares on June 18, 2026, 6,520 shares on March 3, 2027, 3,333 shares on June 18, 2027 and 2,874 shares on March 3, 2028.

Payment of exercise price or tax liability by delivering or withholding securities incident to the receipt, exercise or vesting of a security issued in accordance with Rule 16b-3

• F3 Shares were withheld from vested stock grant to pay the associated withholding taxes.
• F2 Includes 16,060 shares received pursuant to unvested restricted stock grants. Such shares vest to the extent of 3,333 shares on June 18, 2026, 6,520 shares on March 3, 2027, 3,333 shares on June 18, 2027 and 2,874 shares on March 3, 2028.

Exercise or conversion of derivative security exempted pursuant to Rule 16b-3

• F2 Includes 16,060 shares received pursuant to unvested restricted stock grants. Such shares vest to the extent of 3,333 shares on June 18, 2026, 6,520 shares on March 3, 2027, 3,333 shares on June 18, 2027 and 2,874 shares on March 3, 2028.

Exercise or conversion of derivative security exempted pursuant to Rule 16b-3

• F4 The option vests and becomes exercisable to the extent of 3,333 shares on each of January 5, 2026 and January 5, 2027.

Grant, award or other acquisition pursuant to Rule 16b-3(d)

• F1 Shares received pursuant to restricted stock grant.
• F2 Includes 16,060 shares received pursuant to unvested restricted stock grants. Such shares vest to the extent of 3,333 shares on June 18, 2026, 6,520 shares on March 3, 2027, 3,333 shares on June 18, 2027 and 2,874 shares on March 3, 2028.

Payment of exercise price or tax liability by delivering or withholding securities incident to the receipt, exercise or vesting of a security issued in accordance with Rule 16b-3

• F3 Shares were withheld from vested stock grant to pay the associated withholding taxes.
• F2 Includes 16,060 shares received pursuant to unvested restricted stock grants. Such shares vest to the extent of 3,333 shares on June 18, 2026, 6,520 shares on March 3, 2027, 3,333 shares on June 18, 2027 and 2,874 shares on March 3, 2028.

Grant, award or other acquisition pursuant to Rule 16b-3(d)

• F1 Shares received pursuant to restricted stock grant.
• F2 Includes 45,374 shares received pursuant to unvested restricted stock grants. The shares vest to the extent of 10,823 shares on August 25, 2026, 1,042 shares on March 3, 2027, 10,822 shares on August 25, 2027, 1,042 shares on March 3, 2028 and 21,645 shares on August 25, 2028.

Payment of exercise price or tax liability by delivering or withholding securities incident to the receipt, exercise or vesting of a security issued in accordance with Rule 16b-3

• F3 Shares were withheld from vested stock grant to pay the associated withholding taxes.
• F2 Includes 45,374 shares received pursuant to unvested restricted stock grants. The shares vest to the extent of 10,823 shares on August 25, 2026, 1,042 shares on March 3, 2027, 10,822 shares on August 25, 2027, 1,042 shares on March 3, 2028 and 21,645 shares on August 25, 2028.

Grant, award or other acquisition pursuant to Rule 16b-3(d)

• F1 Shares received pursuant to restricted stock grant.
• F2 Includes 19,055 shares received pursuant to unvested restricted stock grants. Such shares vest to the extent of 5,000 shares on April 15, 2026, 2,028 shares on March 3, 2027, 5,000 shares on April 15, 2027, 2,027 shares on March 3, 2028 and 5,000 shares on April 15, 2028.

Payment of exercise price or tax liability by delivering or withholding securities incident to the receipt, exercise or vesting of a security issued in accordance with Rule 16b-3

• F3 Shares were withheld from vested stock grant to pay the associated withholding taxes.
• F2 Includes 19,055 shares received pursuant to unvested restricted stock grants. Such shares vest to the extent of 5,000 shares on April 15, 2026, 2,028 shares on March 3, 2027, 5,000 shares on April 15, 2027, 2,027 shares on March 3, 2028 and 5,000 shares on April 15, 2028.

Grant, award or other acquisition pursuant to Rule 16b-3(d)

• F5 Shares received pursuant to restricted stock grant. Such shares vest on January 9, 2027.
• F6 Includes 60,000 shares received pursuant to unvested restricted stock grants. Such shares vest to the extent of 20,000 shares on December 31, 2026 and 40,000 shares on January 9, 2027.

Payment of exercise price or tax liability by delivering or withholding securities incident to the receipt, exercise or vesting of a security issued in accordance with Rule 16b-3

• F3 Shares were withheld from vested stock grant to pay associated withholding taxes.
• F4 Includes 20,000 shares received pursuant to unvested restricted stock grant. Such shares vest on December 31, 2026.

Grant, award or other acquisition pursuant to Rule 16b-3(d)

• F1 Received as director fees. Vests on January 2, 2027, subject to earlier vesting under certain circumstances.
• F2 Includes 3,149 unvested shares received as director fees. Such shares vest on January 2, 2027, subject to earlier vesting under certain circumstances.

Grant, award or other acquisition pursuant to Rule 16b-3(d)

• F1 Received as director fees. Vests on January 2, 2027, subject to earlier vesting under certain circumstances.
• F2 Includes 7,011 unvested shares received as director fees. Such shares vest on January 2, 2027, subject to earlier vesting under certain circumstances.
• F3 Funds managed by Angel Oak Capital Advisors (AOCA) hold 108,249 shares of common stock of the Issuer. Mr. Singh serves as Group Chief Financial Officer and Head of Corporate Development of Angel Oak Companies, which is the parent of AOCA. Mr. Singh disclaims beneficial ownership of such securities.

Grant, award or other acquisition pursuant to Rule 16b-3(d)

• F1 Received as director fees. Vests on January 2, 2027, subject to earlier vesting under certain circumstances.
• F2 Includes 3,149 unvested shares received as director fees. Such shares vest on January 2, 2027, subject to earlier vesting under certain circumstances.

Grant, award or other acquisition pursuant to Rule 16b-3(d)

• F1 Received as director fees. Vests on January 2, 2027, subject to earlier vesting under certain circumstances.
• F2 Includes 7,011 unvested shares received as director fees. Such shares vest on January 2, 2027, subject to earlier vesting under certain circumstances.

Grant, award or other acquisition pursuant to Rule 16b-3(d)

• F1 Received as director fees. Vests on January 2, 2027, subject to earlier vesting under certain circumstances.
• F2 Includes 3,149 unvested shares received as director fees. Such shares vest on January 2, 2027, subject to earlier vesting under certain circumstances.

Grant, award or other acquisition pursuant to Rule 16b-3(d)

• F1 The shares were acquired pursuant to the Company's Employee Stock Purchase Plan.
• F2 Includes 40,000 shares received pursuant to unvested restricted stock grant. Such shares vest to the extent of 20,000 shares on January 2, 2026 and 20,000 shares on December 31, 2026.