FLAGSTAR BANK, NATIONAL ASSOCIATION

Flagstar Bank, National Association, is a national banking association headquartered in Hicksville, New York. As of December 31, 2025, the Bank had $87.5 billion of assets, $61.0 billion of loans, deposits of $66.0 billion, and total stockholders' equity of $8.1 billion. The Bank became public in 1993 and has expanded through organic growth and mergers and acquisitions. Flagstar operates in a single reportable segment, which is also its sole reporting unit. Effective October 17, 2025, the Bank became the successor reporting company to Flagstar Financial, Inc., its former holding company, following an internal corporate reorganization. This reorganization eliminated the Bank's holding company structure by merging Flagstar Financial into the Bank, with the Bank continuing as the surviving entity. In connection with this merger, outstanding shares of Flagstar Financial's common stock and Series A preferred stock were converted into an equivalent number of shares of the Bank's common stock and Series A preferred stock. Flagstar Financial's Series B and Series D preferred stock were also converted into non-voting equity securities of the Bank, substantially identical to the original Series B and Series D preferred stock, to comply with legal or governmental approval requirements for common stock ownership.