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Forward-Looking Statements Disclosure

This press release contains forward-looking statements intended to be covered by the safe
harbor provisions of Section 27A of the Securities Act of 1933, as amended, and Section 21E of
the Securities Exchange Act of 1934, as amended. All statements other than statements of
historical fact contained in this press release, including without limitation statements regarding
our future financial performance, including our expectations regarding our revenue, cost of
revenue, operating expenses; our ability to determine reserves, and ability to remain profitable;
our ability to maintain, expand, and enter into new relationships with partners and loan
purchasers on the secondary market; our ability to broaden our network of partners; and our
ability to successfully execute our business and growth strategy; marketplace volume, adoption,
and liquidity, including the growth and performance of our Consumer Loan Marketplace, Figure
Connect, and Democratized Prime platforms; our blockchain ecosystem and infrastructure
initiatives, including our ability to expand the adoption of our blockchain-native products and
services and the development and performance of our digital asset offerings; and the pending
acquisition of Kiavi, including our ability to complete the transaction on the anticipated terms and
timeline, the expected benefits, synergies, and financial impact of the acquisition, our ability to
successfully integrate Kiavi’s platform and operations, and the joint venture with Sixth Street,
and our AI product initiatives, including the expected capabilities and deployment of Adaptor
involve known and unknown risks, uncertainties, and other important factors that may cause
actual results to differ materially from those expressed or implied by the forward-looking
statements. In some cases, you can identify forward-looking statements by terms such as
“may,” “will,” “should,” “expect,” “plan,” “anticipate,” “could,” “intend,” “target,” “project,”
“contemplate,” “believe,” “estimate,” “predict,” “potential,” or “continue,” or the negative of these
terms, and similar expressions. Forward-looking statements are predictions based largely on
our current expectations and projections about future events and financial trends that we believe
may affect our business, financial condition, and results of operations. These statements speak
only as of the date of this press release.

Important factors that could cause actual results to differ materially include, among others: our
history of losses and the risk that we may not maintain profitability; our reliance on HELOCs and
exposure to fluctuations in the HELOC market and housing values; our ability to attract and
retain borrowers, partners, and loan purchasers and to drive adoption of Figure-branded and
Partner-branded channels including Figure Connect; loan performance and default rates and
the effect of credit performance on access to and pricing of warehouse facilities, whole-loan
sales, and securitizations; changes in interest rates and U.S. monetary policy that impact
originations, funding costs, and investor demand; legal and regulatory risks affecting lending
and mortgage-related activities and the evolving framework for digital assets, including potential
changes in the characterization or regulation of certain digital assets and related products;
dependence on key third-party providers including cloud, custodial, valuation, and data vendors
and risks from outages or service disruptions; technology failures, cybersecurity incidents, or
other operational disruptions; protection and enforcement of intellectual property; compliance
with licensing, consumer protection, privacy, data security, and sanctions/AML laws, and shifting
enforcement priorities at the federal and state levels; our ability to remediate previously
identified material weaknesses and meet our public company reporting and internal control
obligations; competition; macroeconomic and geopolitical conditions; our dual-class structure
and concentrated voting control and related impacts on corporate governance; equity market
volatility affecting our Class A common stock; and the other risks described in “Risk Factors” in
our Annual Report on Form 10-K for the period ended December 31, 2025, filed with the SEC
on March 16, 2026, and in our other filings with the SEC.
You should read this press release and the documents we reference in it with the understanding
that actual future results may differ materially from our expectations. We qualify all forward-
looking statements in this press release by these cautionary statements. Except as required by
law, we undertake no obligation to publicly update or revise any forward-looking statements
contained herein, whether as a result of new information, future events, changed circumstances,
or otherwise.