<SEC-DOCUMENT>0001140361-25-024002.txt : 20250627
<SEC-HEADER>0001140361-25-024002.hdr.sgml : 20250627
<ACCEPTANCE-DATETIME>20250627171908
ACCESSION NUMBER:		0001140361-25-024002
CONFORMED SUBMISSION TYPE:	11-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20241231
FILED AS OF DATE:		20250627
DATE AS OF CHANGE:		20250627

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FLAGSTAR FINANCIAL, INC.
		CENTRAL INDEX KEY:			0000910073
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		ORGANIZATION NAME:           	02 Finance
		EIN:				061377322
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		11-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-31565
		FILM NUMBER:		251087931

	BUSINESS ADDRESS:	
		STREET 1:		102 DUFFY AVENUE
		CITY:			HICKSVILLE
		STATE:			NY
		ZIP:			11801
		BUSINESS PHONE:		5166834100

	MAIL ADDRESS:	
		STREET 1:		102 DUFFY AVENUE
		CITY:			HICKSVILLE
		STATE:			NY
		ZIP:			11801

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	NEW YORK COMMUNITY BANCORP, INC.
		DATE OF NAME CHANGE:	20240311

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	NEW YORK COMMUNITY BANCORP INC
		DATE OF NAME CHANGE:	20001128

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	QUEENS COUNTY BANCORP INC
		DATE OF NAME CHANGE:	19930802
</SEC-HEADER>
<DOCUMENT>
<TYPE>11-K
<SEQUENCE>1
<FILENAME>ef20051089_11k.htm
<DESCRIPTION>11-K
<TEXT>
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    <div style="text-align: center; font-size: 14pt; font-weight: bold;">UNITED STATES</div>
    <div style="text-align: center; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">Washington, D.C.&#160; 20549<br>
      <br>
    </div>
    <div style="text-align: center; font-weight: bold;">
      <hr noshade="noshade" align="center" style="height: 2px; width: 20%; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"></div>
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    <div style="text-align: center; font-size: 18pt; font-weight: bold;">FORM 11-K</div>
    <div><br>
    </div>
    <div>(Mark One)</div>
    <div>&#160;</div>
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          <td style="width: 36pt; vertical-align: top;">&#9746;</td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-weight: bold;">ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-indent: 36pt;">For the fiscal year ended December 31, 2024</div>
    <div><br>
    </div>
    <div style="text-align: center;">OR</div>
    <div><br>
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          <td style="width: 36pt; vertical-align: top;">&#9744;</td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-weight: bold;">TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-indent: 36pt;">For the transition period from <u>&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; </u> to<u> &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; </u></div>
    <div><br>
    </div>
    <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">Commission file number</font><font style="font-size: 10pt;">:&#160; <font style="font-weight: bold;">001-31565</font></font></div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z4378c024001a406ab10bea871666b776">

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          <td style="width: 36pt; vertical-align: top;">A.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Full title of the plan and the address of the plan, if different from that of the issuer named below:</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify; margin-left: 36pt; font-weight: bold;">Flagstar Financial, Inc. Employee Savings Plan</div>
    <div style="margin-left: 36pt; font-weight: bold;">(formerly known as the New York Community Bancorp, Inc. Employee Savings Plan)</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z01a2d372d38b4a7a8760f36f6d7b4190">

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          <td style="width: 36pt; vertical-align: top;">B.</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Name of issuer of the securities held pursuant to the plan and the address of its principal executive office:</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify; margin-left: 36pt; font-weight: bold;">Flagstar Financial, Inc.</div>
    <div style="text-align: justify; margin-left: 36pt; font-weight: bold;">102 Duffy Avenue</div>
    <div style="text-align: justify; margin-left: 36pt; font-weight: bold;">Hicksville, NY&#160; 11801</div>
    <div><br>
    </div>
    <div>
      <hr align="center" style="border: none; border-bottom: 4px solid black; border-top: 1px solid black; height: 10px; color: #ffffff; background-color: #ffffff; text-align: center; margin-left: auto; margin-right: auto;"></div>
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    <div style="text-align: center; font-weight: bold;">REQUIRED INFORMATION</div>
    <div><br>
    </div>
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          <td style="width: 36pt; vertical-align: top;">1.</td>
          <td style="width: auto; vertical-align: top;">
            <div>Financial Statements.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z82b6f9009a844a73aae61f019ebfd40f">

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          <td style="width: 36pt; vertical-align: top;">2.</td>
          <td style="width: auto; vertical-align: top;">
            <div>Supplemental Schedules.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-indent: 36pt;">Schedule H, Line 4i &#8211; Schedule of Assets (Held at End of Year) at December 31, 2024</div>
    <div style="text-indent: 36pt;"> <br>
    </div>
    <div style="text-indent: 36pt;">
      <div>
        <div style="color: rgb(0, 0, 0);">Schedule H, Line 4a - Schedule of Delinquent Participant Contributions for the Year Ended December 31, 2024</div>
      </div>
    </div>
    <div><br>
    </div>
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          <td style="width: 36pt; vertical-align: top;">3.</td>
          <td style="width: auto; vertical-align: top;">
            <div>Exhibits.</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-indent: 36pt;">Exhibit 23: Consent of Independent Registered Public Accounting Firm</div>
    <div><br>
    </div>
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          <td style="width: 36pt;">&#160;</td>
          <td style="width: 27pt; vertical-align: top;">Note:</td>
          <td style="width: auto; vertical-align: top;">
            <div>All other schedules required by Section 2520.103-10 of the Department of Labor&#8217;s Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974 have been omitted because they are not
              applicable.</div>
          </td>
        </tr>

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    <div style="text-align: center; font-weight: bold;">FINANCIAL STATEMENTS</div>
    <div><br>
    </div>
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    <div>
      <div style="text-align: center; font-weight: bold;">FLAGSTAR FINANCIAL, INC.</div>
      <div style="text-align: center; font-weight: bold;">EMPLOYEE SAVINGS PLAN</div>
      <div><br>
      </div>
      <div style="text-align: center;">Financial Statements and Supplemental Schedules</div>
      <div><br>
      </div>
      <div style="text-align: center;">December 31, 2024 and 2023</div>
      <div><br>
      </div>
      <div style="text-align: center;">(With Report of Independent Registered Public Accounting Firm)</div>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
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      </div>
      <div style="text-align: center; font-weight: bold;">FLAGSTAR FINANCIAL, INC.</div>
      <div style="text-align: center; font-weight: bold;">EMPLOYEE SAVINGS PLAN</div>
      <div><br>
      </div>
      <a name="TableofContents"><!--Anchor--></a>
      <div style="text-align: center; font-weight: bold;">Table of Contents</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="zf2fe65f96b92436984aa1adbbbf1552d">

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            <td rowspan="1" style="width: 90%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 10%; vertical-align: top; font-weight: bold; text-align: right;">Page(s)</td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 90%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div><a href="#ReportofIndependentRegist">Report of Independent Registered Public Accounting Firm</a></div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">1</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div>Financial Statements:</div>
            </td>
            <td style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="margin-left: 9pt;"><a href="#StatementsofNetAssetsAvai">Statements of Net Assets Available for Plan Benefits as of December 31, 2024 and 2023</a></div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">2</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="margin-left: 9pt;"><a href="#StatementsofChangesinNetA">Statements of Changes in Net Assets Available for Plan Benefits for the Years Ended December 31, 2024 and 2023</a></div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">3</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div><a href="#NotestoFinancialStatement">Notes to Financial Statements</a></div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">4 - 10</div>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">
              <div style="color: #000000; font-weight: bold;">Supplemental Schedules*</div>
            </td>
            <td style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">
              <div style="margin-left: 9pt;"><a href="#ScheduleHLine4i-Scheduleo">Schedule H, Line 4i &#8211; Schedule of Assets (Held at End of Year) as of December 31, 2024</a></div>
            </td>
            <td style="width: 10%; vertical-align: top; text-align: right; background-color: rgb(204, 238, 255);" rowspan="1">11<br>
            </td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 10%; vertical-align: top; text-align: right;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="margin-left: 9pt;"><a href="#ScheduleHLine4a-Scheduleo">Schedule H, Line 4a - Schedule of Delinquent Participant Contributions for the year ended December 31, 2024</a></div>
            </td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right;">12</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="margin-left: 5.4pt;">* Schedules required by Form 5500, which are not applicable, have not been included.</div>
      <div><br>
      </div>
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          <div style="font-weight: bold;"> <a href="#TableofContents"><font style="font-weight: normal; font-style: italic; font-size: 8pt;">Table of Contents</font></a></div>
        </div>
      </div>
      <!--PROfilePageNumberReset%Num%1%%%--><a name="ReportofIndependentRegist"><!--Anchor--></a>
      <div style="text-align: center; font-weight: bold;">Report of Independent Registered Public Accounting Firm</div>
      <div>&#160;</div>
      <div>To the Plan Administrator and Plan Participants</div>
      <div>Flagstar Financial, Inc. Employee Savings Plan:</div>
      <div><br>
      </div>
      <div style="font-style: italic;">Opinion on the Financial Statements</div>
      <div>&#160;</div>
      <div>We have audited the accompanying statements of net assets available for plan benefits of Flagstar Financial, Inc. Employee Savings Plan (the Plan) as of December 31, 2024 and 2023, the related statements of changes in net assets available for
        plan benefits for the years ended December 31, 2024 and 2023, and the related notes (collectively, the financial statements). In our opinion, the financial statements present fairly, in all material respects, the net assets available for plan
        benefits of the Plan as of December 31, 2024 and 2023, and the changes in net assets available for plan benefits for the years ended December 31, 2024 and 2023, in conformity with U.S. generally accepted accounting principles.</div>
      <div><br>
      </div>
      <div style="font-style: italic;">Basis for Opinion</div>
      <div>&#160;</div>
      <div>These financial statements are the responsibility of the Plan&#8217;s management. Our responsibility is to express an opinion on these financial statements based on our audits. We are a public accounting firm registered with the Public Company
        Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to the Plan in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission
        and the PCAOB.</div>
      <div><br>
      </div>
      <div>We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the<font style="font-style: italic;">&#160;</font>financial statements are
        free of material misstatement, whether due to error or fraud. Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond
        to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by
        management, as well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.</div>
      <div><br>
      </div>
      <div style="font-style: italic;">Accompanying Supplemental Information</div>
      <div>&#160;</div>
      <div>The Schedule H, Line 4i - Schedule of Assets (Held at End of Year) and Schedule H, Line 4a &#8211; Schedule of Delinquent Participant Contributions for the year ended December 31, 2024 have been subjected to audit procedures performed in conjunction
        with the audit of the Plan&#8217;s financial statements. The supplemental information is the responsibility of the Plan&#8217;s management. Our audit procedures included determining whether the supplemental information reconciles to the<font style="font-style: italic;">&#160;</font>financial statements or the underlying accounting and other records, as applicable, and performing procedures to test the completeness and accuracy of the information presented in the supplemental information. In forming our
        opinion on the supplemental information, we evaluated whether the supplemental information, including its form and content, is presented in conformity with the Department of Labor&#8217;s Rules and Regulations for Reporting and Disclosure under the
        Employee Retirement Income Security Act of 1974. In our opinion, the supplemental information is fairly stated, in all material respects, in relation to the financial statements as a whole.</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);" id="z076def19ed174e57a763fbf79a957393">

          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div style="text-align: center;">/s/ KPMG LLP</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>We have served as the Plan&#8217;s auditor since 2001.</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 100%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>New York, New York</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div>June 27, 2025</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
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        <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">1</font></div>
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          <div style="font-weight: bold;"> <a href="#TableofContents"><font style="font-weight: normal; font-style: italic; font-size: 8pt;">Table of Contents</font></a></div>
        </div>
      </div>
      <div style="text-align: center; font-weight: bold;">FLAGSTAR FINANCIAL<font style="color: #000000;">, INC.</font></div>
      <div style="text-align: center; color: #000000; font-weight: bold;">EMPLOYEE SAVINGS PLAN</div>
      <div>&#160;</div>
      <a name="StatementsofNetAssetsAvai"><!--Anchor--></a>
      <div style="text-align: center; color: #000000;">Statements of Net Assets Available for Plan Benefits</div>
      <div>&#160;</div>
      <div style="text-align: center; color: #000000;">December 31, 2024 and 2023</div>
      <div>&#160;</div>
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              <div style="text-align: center; color: rgb(0, 0, 0);"> 2024</div>
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              <div style="text-align: center; color: rgb(0, 0, 0);">2023</div>
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              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Assets:</div>
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            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="2" style="vertical-align: bottom;">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" colspan="2" style="vertical-align: bottom;">&#160;</td>
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              <div style="text-indent: -7.2pt; margin-left: 7.2pt; color: rgb(0, 0, 0);">Investments at Fair Value (Note 3):</div>
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            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom;">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 76%; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Mutual funds</div>
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            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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              <div style="color: rgb(0, 0, 0);">$</div>
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            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">296,701,282</div>
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            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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              <div style="color: rgb(0, 0, 0);">$</div>
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            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">104,932,937</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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          <tr>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Common stock fund of employer</div>
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            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="color: rgb(0, 0, 0);">45,756,216</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="color: rgb(0, 0, 0);">174,226,240</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 76%; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Collective trust funds</div>
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            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">554,007,441</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">34,680,193</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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          <tr>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Money market fund</div>
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            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="color: rgb(0, 0, 0);">1,004,706</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="color: rgb(0, 0, 0);">-</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 25.2pt;">Total investments</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="color: rgb(0, 0, 0);">897,469,645</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="color: rgb(0, 0, 0);">313,839,370</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
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          <tr>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 76%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 76%; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Receivables:</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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          <tr>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Notes receivable from participants</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>20,287,201</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>12,268,114</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 76%; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Contributions receivable</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>-</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>1,673,372</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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          <tr>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Due from broker (Note 1)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>405</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>217,123,840</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
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          <tr>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 25.2pt;">Total receivables</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">20,287,606</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">231,065,326</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 76%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 76%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Non-interest-bearing cash</div>
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            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="color: rgb(0, 0, 0);">-</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="color: rgb(0, 0, 0);">95</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
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          <tr>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 76%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 25.2pt;">Total assets</div>
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            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
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            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">917,757,251</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
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            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">$</div>
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            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">544,904,791</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
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          <tr>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 76%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 76%; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Liabilities:</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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          <tr>
            <td valign="bottom" nowrap="nowrap" rowspan="1" colspan="1" style="vertical-align: bottom; width: 76%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" rowspan="1" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" rowspan="1" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" rowspan="1" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" rowspan="1" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" rowspan="1" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" rowspan="1" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" rowspan="1" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" rowspan="1" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Due to broker</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="color: rgb(0, 0, 0);">$</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="color: rgb(0, 0, 0);">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="color: rgb(0, 0, 0);">$</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="color: rgb(0, 0, 0);">44,859</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
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          <tr>
            <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 25.2pt;">Net assets available for plan benefits</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="color: rgb(0, 0, 0);">$</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="color: rgb(0, 0, 0);">917,757,251</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="color: rgb(0, 0, 0);">$</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="color: rgb(0, 0, 0);">544,859,932</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
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      <div><br>
      </div>
      <div>See accompanying notes to financial statements.</div>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageFooter" style="width: 100%;"></div>
        <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">2</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div class="BRPFPageHeader" style="width: 100%;">
          <div style="font-weight: bold;"> <a href="#TableofContents"><font style="font-weight: normal; font-style: italic; font-size: 8pt;">Table of Contents</font></a></div>
        </div>
      </div>
      <div style="text-align: center; font-weight: bold;">FLAGSTAR FINANCIAL, INC.</div>
      <div style="text-align: center; color: #000000; font-weight: bold;">EMPLOYEE SAVINGS PLAN</div>
      <div>&#160;</div>
      <a name="StatementsofChangesinNetA"><!--Anchor--></a>
      <div style="text-align: center; color: #000000;">Statements of Changes in Net Assets Available for Plan Benefits</div>
      <div>&#160;</div>
      <div style="text-align: center; color: #000000;">Years Ended December 31, 2024 and 2023</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" class="cfttable" id="z5c05b578297c4f6b8af58eb16bae8b4a" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

          <tr>
            <td valign="bottom" style="vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: top; border-bottom: #000000 solid 2px;">
              <div style="text-align: center;"> 2024</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: top; border-bottom: #000000 solid 2px;">
              <div style="text-align: center;">2023</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Additions (deductions) to net assets attributed to:</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: top;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: top;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Investment income:</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: top;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: top;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 25.2pt;">Net (depreciation) appreciation in fair value of investments</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div>$</div>
            </td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>(765,653</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div>)</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div>$</div>
            </td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>63,770,981</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 25.2pt;">Interest and dividends on investments and cash balances</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
              <div>12,483,497</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
              <div>19,400,645</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 34.2pt;">Total investment income</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div>11,717,844</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div>83,171,626</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 25.2pt;">Interest on notes receivable from participants</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>1,418,206</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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              <div>437,894</div>
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            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Contributions:</div>
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            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 25.2pt;">Participant contributions</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>64,964,347</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>24,317,988</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 25.2pt;">Employer contributions</div>
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            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>26,392,709</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>9,632,477</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 25.2pt;">Rollover contributions</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
              <div>16,173,037</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
              <div>106,519,469</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
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          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 34.2pt;">Total contributions</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div>107,530,093</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
              <div>140,469,934</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
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          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 43.2pt;">Total additions</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
              <div>120,666,143</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
              <div>224,079,454</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
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          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Deductions from net assets attributed to:</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Benefits paid to participants</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>172,717,608</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>47,147,983</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Dividends paid to participants</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>479,613</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>5,348,773</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Administrative expenses</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>570,125</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div>571,073</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
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          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 43.2pt;">Total deductions</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
              <div>173,767,346</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
              <div>53,067,829</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
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            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
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            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>(53,101,203</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">
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            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>171,011,625</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Transfer of assets into the Plan (Note 1)</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>425,998,522</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Net assets available for plan benefits at:</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%; padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Beginning of year</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
              <div>544,859,932</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
              <div>373,848,307</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 76%; padding-bottom: 4px;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">End of year</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;">
              <div>$</div>
            </td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;">
              <div>917,757,251</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;">
              <div>$</div>
            </td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;">
              <div>544,859,932</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          </tr>

      </table>
      <div><br>
      </div>
      <div>See accompanying notes to financial statements.</div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageFooter" style="width: 100%;"></div>
        <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">3</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div class="BRPFPageHeader" style="width: 100%;">
          <div style="font-weight: bold;"> <a href="#TableofContents"><font style="font-weight: normal; font-style: italic; font-size: 8pt;">Table of Contents</font></a></div>
        </div>
      </div>
      <div style="text-align: center; font-weight: bold;">FLAGSTAR FINANCIAL, INC.</div>
      <div style="text-align: center; font-weight: bold;">EMPLOYEE SAVINGS PLAN</div>
      <div>&#160;</div>
      <a name="NotestoFinancialStatement"><!--Anchor--></a>
      <div style="text-align: center;">Notes to Financial Statements</div>
      <div>&#160;</div>
      <div style="text-align: center;">December 31, 2024 and 2023</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z3cead04e913a4fdaae14f0176555259a">

          <tr>
            <td style="width: 27pt; vertical-align: top; font-weight: bold;">(1)</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div style="font-weight: bold;">Description of the Plan</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify; margin-left: 27pt;">The following brief description of the Flagstar Financial, Inc. Employee Savings Plan (the &#8220;Plan&#8221;) is provided for general information purposes only. Effective October 28, 2024, New York Community
        Bancorp Inc.&#160; changed its name and trading symbol to Flagstar Financial, Inc. and &#8220;FLG&#8221; and at the same time, the name of the Plan was changed to Flagstar Financial, Inc. Employee Savings Plan.</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z1a634f67f4284395b8d88f02a98226ad">

          <tr>
            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top; font-style: italic; font-weight: bold;">(a)</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div style="font-style: italic; font-weight: bold;">General</div>
            </td>
          </tr>

      </table>
      <div style="text-align: justify; margin-left: 63pt;">The Plan is a defined contribution plan sponsored by Flagstar Financial, Inc. (the &#8220;Bank&#8221; or &#8220;Plan Sponsor&#8221; or &#8220;Employer&#8221;). The Plan is administered by Empower Retirement LLC.</div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 63pt;">The Plan provides retirement benefits for the employees of the Bank and is subject to the requirements of the Employee Retirement Income Security Act of 1974, as amended (&#8220;ERISA&#8221;). The assets of
        all participants are held in the Plan and are collectively invested and reinvested by Empower Trust Company LLC (the &#8220;Trustee&#8221;).</div>
      <div><br>
      </div>
      <div style="margin-left: 63pt;">Effective January 1, 2024, in connection with the acquisition of Flagstar Bank, N.A. by the Bank, the following entities became subsidiaries of the Bank and all employees of the subsidiaries became eligible to
        participate in the Plan: Flagstar Financial &amp; Leasing, LLC; Flagstar Public Funding Corp., Flagstar Advisors, Inc., and Flagstar Bank, N.A., which were participants in the Flagstar 401(k) Plan.&#160; In 2024, all net assets available for plan
        benefits from the Flagstar Bank 401(k) plan were transferred to the Plan.</div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 63pt;">Effective January 1, 2024, amendments to the Plan include the following: appointment of Empower Trust Company LLC (&#8220;Empower&#8221;) as successor trustee to Pentegra Trust Company (&#8220;PTC&#8221;, &#8220;Plan
        Administrator&#8221;); the appointment of Pentegra Services, Inc. as the 3(16) Plan Administrator in accordance with the Defined Contribution Fiduciary Service Agreement Institutional 3(16) Services Package; the transfer of the Flagstar Bank 401(k) Plan
        with and into the Plan (&#8220;Flagstar Merger&#8221;); and the engagement of CAPTRUST Financial Advisors as an investment advisor to the Plan.</div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 63pt;">In connection with the Bank&#8217;s assumption of certain assets, deposits and other liabilities of Signature Bridge Bank on March 20, 2023 (the &#8220;Signature Acquisition&#8221;), certain participants in the
        former Signature Bank Employee 401K Plan (the &#8220;Signature Plan&#8221;) became employees of the Bank and, effective July 17, 2023, became eligible to enroll in the Plan. Upon termination of the Signature Plan, the Signature Plan participants who are now
        employees of the Bank, were eligible to roll over their existing Signature Plan accounts balances to the Plan, including any outstanding Signature Plan loans.</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb841bd85853a49cd881ec631f7e3122d">

          <tr>
            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top; font-style: italic; font-weight: bold;">(b)</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div style="font-style: italic; font-weight: bold;">Eligibility</div>
            </td>
          </tr>

      </table>
      <div style="text-align: justify; margin-left: 63pt;">Effective January 1, 2023, there is no longer a minimum age requirement or period of eligible service requirement to be eligible to participate in the Plan.&#160; Additionally, effective January 1,
        2024, employees compensated on an hourly basis are eligible to participate in the Plan.</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb7d39fa198714d76ac04779630e9af90">

          <tr>
            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top; font-weight: bold;">(c)</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div style="font-style: italic; font-weight: bold;">Contributions</div>
            </td>
          </tr>

      </table>
      <div style="text-align: justify; margin-left: 63pt; font-style: italic;">Employee Contributions</div>
      <div style="text-align: justify; margin-left: 63pt;">Effective January 1, 2024, Participants may authorize the Bank to contribute to the Plan each pay period 1% to 60% of their pre-tax compensation (Before-Tax Contributions), Roth after-tax
        compensation (Roth Contributions) or a specific dollar value, subject to the maximum dollar limitations of the Internal Revenue Code ("IRC").&#160; Prior to January 1, 2024, the maximum contribution amount Participants could reduce their pre-tax
        compensation each pay period by was up to 100%.</div>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageFooter" style="width: 100%;"></div>
        <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">4</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div class="BRPFPageHeader" style="width: 100%;">
          <div style="font-weight: bold;"> <a href="#TableofContents"><font style="font-weight: normal; font-style: italic; font-size: 8pt;">Table of Contents</font></a></div>
          <div style="font-weight: bold;"><br>
            <div style="text-align: center; font-weight: bold;">FLAGSTAR FINANCIAL, INC.</div>
            <div style="text-align: center; font-weight: bold;">EMPLOYEE SAVINGS PLAN</div>
            <div>&#160;</div>
            <div style="text-align: center; font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">Notes to Financial Statements</div>
            <font style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;"> </font>
            <div style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">&#160;</div>
            <font style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;"> </font>
            <div style="text-align: center; font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">December 31, 2024 and 2023</div>
          </div>
        </div>
      </div>
      <div style="text-align: justify; margin-left: 63pt; font-style: italic;">Safe Harbor Matching Contributions</div>
      <div style="text-align: justify; margin-left: 63pt;">The Bank matches a portion of employee contributions up to a max of 5% of eligible pay. For the first 3% of eligible pay, the Plan will match 100% of such amount. For the next 2% of eligible pay
        the Plan will match 50% of such amount.&#160; In 2024 and 2023, the Bank contributed $26.4 million and $9.6 million, respectively, in matching contributions.</div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 63pt; font-style: italic;">Employer Discretionary Contributions</div>
      <div style="text-align: justify; margin-left: 63pt;">The Employer may also make Discretionary Employer Contributions. No such contributions were made in 2024 or 2023.</div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="z1f2ea44e757f4ad49b02f2eb13066d9d" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

            <tr style="vertical-align: top;">
              <td style="width: 27pt;">&#160;</td>
              <td style="text-align: right; vertical-align: top; width: 36pt;">
                <div style="text-align: justify;"><font style="font-weight: bold; font-style: italic;">(d)</font></div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div style="text-align: justify;"><font style="font-weight: bold; font-style: italic;">Investment Options</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="text-align: justify; margin-left: 63pt;">Participants are allowed to invest in one or more of the investment options. Participants may, at any time, change their investment elections or transfer between different investment options. As of
        December 31, 2024, and 2023, the Plan's investments consisted of mutual funds, money market funds, common stock of Flagstar Financial, Inc., and collective trust funds.</div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="z2adfc158c01245308468155edbf99177" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

            <tr style="vertical-align: top;">
              <td style="width: 27pt;">&#160;</td>
              <td style="text-align: right; vertical-align: top; width: 36pt;">
                <div style="text-align: justify;"><font style="font-weight: bold; font-style: italic;">(e)</font></div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div style="text-align: justify;"><font style="font-weight: bold; font-style: italic;">Participant Accounts</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="text-align: justify; margin-left: 63pt;">Separate accounts are maintained for each participant to accumulate Employer, participant and rollover contributions. Participants' accounts are credited with contributions made on their behalf in
        accordance with participant directed salary deductions, employer contributions (if any), and Plan earnings and losses. Plan earnings and losses are allocated based on account balances and investment options, which the participant chooses. Each
        participant account was charged an administrative fee of $39 per year during 2024 by Empower. In 2023, an administrative fee of 0.19% (19 basis points) was charged by PTC on assets held in all funds other than the investment funds of the stock
        fund.&#160; The administrative fee is included in administrative expenses on the Statements of Changes in Net Assets Available for Plan Benefits.</div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="zaa795469fe07490eb0b7b38ef01a2665" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

            <tr style="vertical-align: top;">
              <td style="width: 27pt;">&#160;</td>
              <td style="text-align: right; vertical-align: top; width: 36pt;">
                <div style="text-align: justify;"><font style="font-weight: bold; font-style: italic;">(f)</font></div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div style="text-align: justify;"><font style="font-weight: bold; font-style: italic;">Vesting</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="text-align: justify; margin-left: 63.35pt; color: #000000;">Participants are fully vested in their contribution accounts. The employer safe harbor matching contributions are also fully vested and nonforfeitable at all times.</div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 63.35pt; color: #000000;">
        <div style="text-align: left; color: #000000;">Participants previously within the Flagstar Bank 401(k) Plan with matching contributions made on their behalf prior to January 1, 2024 (&#8220;Flagstar Pre 2023 Matching Contributions&#8221;) generally become
          vested after having been employed by the Bank based on the following schedule:</div>
      </div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" align="center" style="border-collapse: collapse; width: 80%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;" id="zd492fa1eb53443a9b72adc80be3a280e">

          <tr>
            <td style="width: 40%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
              <div style="text-align: justify; margin-left: 63.35pt; color: rgb(0, 0, 0);">Years of Service:</div>
            </td>
            <td style="width: 40%; vertical-align: top; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); border-top: 2px solid rgb(0, 0, 0);">
              <div style="text-align: justify; margin-left: 63.35pt; color: rgb(0, 0, 0);">Percent Vested:</div>
            </td>
          </tr>
          <tr>
            <td style="width: 40%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; margin-left: 63.35pt; color: rgb(0, 0, 0);">Less than 1 year</div>
            </td>
            <td style="width: 40%; vertical-align: top; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; margin-left: 63.35pt; color: rgb(0, 0, 0);">0%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 40%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: justify; margin-left: 63.35pt; color: rgb(0, 0, 0);">1 year but less than 2</div>
            </td>
            <td style="width: 40%; vertical-align: top; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: justify; margin-left: 63.35pt; color: rgb(0, 0, 0);">33%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 40%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; margin-left: 63.35pt; color: rgb(0, 0, 0);">2 years but less than 3</div>
            </td>
            <td style="width: 40%; vertical-align: top; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; margin-left: 63.35pt; color: rgb(0, 0, 0);">66%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 40%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: justify; margin-left: 63.35pt; color: rgb(0, 0, 0);">3 or more years</div>
            </td>
            <td style="width: 40%; vertical-align: top; border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: justify; margin-left: 63.35pt; color: rgb(0, 0, 0);">100%</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 63.35pt; color: #000000;">If participants are not fully vested and leave the Bank for any reason other than retirement, disability, or death, the unvested portion of the Flagstar Pre 2023 Matching
        Contributions and related earnings will be forfeited.
        <div><br>
        </div>
        <div style="color: #000000;">
          <div style="color: rgb(0, 0, 0);">Forfeitures may be used to fund plan expenses or for reduction of future Employer contributions. Forfeitures applied to reduce employer match contributions were $620,318 during 2024.&#160; No forfeitures were used
            during 2023.&#160; At December 31, 2024 and 2023, there were $171,172 and $0 unused forfeitures that were available.</div>
        </div>
      </div>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageFooter" style="width: 100%;"></div>
        <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">5</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div class="BRPFPageHeader" style="width: 100%;">
          <div style="font-weight: bold;"> <a href="#TableofContents"><font style="font-weight: normal; font-style: italic; font-size: 8pt;">Table of Contents</font></a></div>
          <div style="font-weight: bold;"><br>
            <div style="text-align: center; font-weight: bold;">FLAGSTAR FINANCIAL, INC.</div>
            <div style="text-align: center; font-weight: bold;">EMPLOYEE SAVINGS PLAN</div>
            <div>&#160;</div>
            <div style="text-align: center; font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">Notes to Financial Statements</div>
            <font style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;"> </font>
            <div style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">&#160;</div>
            <font style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;"> </font>
            <div style="text-align: center; font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">December 31, 2024 and 2023</div>
          </div>
        </div>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="z3ddd40ff0ed845959a41fe9a17d46be7" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

            <tr style="vertical-align: top;">
              <td style="width: 27pt;">&#160;</td>
              <td style="text-align: right; vertical-align: top; width: 36pt;">
                <div style="text-align: justify;"><font style="font-weight: bold; font-style: italic;">(g)</font></div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div style="text-align: justify;"><font style="font-weight: bold; font-style: italic;">Notes Receivable from Participants</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="text-align: justify; margin-left: 63.35pt;">Participants may borrow from their account balance up to a maximum equal to the lesser of $50,000 or 50% of the participant's vested account balance. Any loan must be repaid within a five-year
        period, except if the loan is made for the purpose of purchase or construction of the primary residence of the participant, then such loan may be repaid over a period not exceeding thirty years. The loans are secured by the balance in the
        participant's account and bear the prime rate of interest on the first day of the month in which the loan was made and fixed for the life of the loan. The interest rates on participant loans ranged from 2.25% to 9.50% and 2.25% to 9.00% at December
        31, 2024 and December 31, 2023, respectively, with maturities up to 30 years.</div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 63pt;">In the event of a loan default, the amount of the outstanding balance will be deducted from any distributions. Loan default distributions will be treated as taxable income to the participant in the
        year of default.</div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="ze95f3a57a7644afa8cb32ab77d91055a" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

            <tr style="vertical-align: top;">
              <td style="width: 27pt;">&#160;</td>
              <td style="text-align: right; vertical-align: top; width: 36pt;">
                <div style="text-align: left; font-style: italic; font-weight: bold;">(h)</div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div style="font-style: italic; font-weight: bold;">Payment of Benefits</div>
              </td>
            </tr>

        </table>
      </div>
      <div style="text-align: justify; margin-left: 63pt;">Benefit payments begin at the participant's election after he or she ceases to be an employee due to disability, retirement, termination of employment or death. Under the Plan's provisions,
        withdrawals of funds other than at disability, retirement, termination of employment or death will be permitted subject to certain limitations, as defined. Participants may elect to receive benefits from several options available as set forth in
        the Plan.</div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 63pt;">Participants may elect to have allocated cash dividends declared on the employer common stock and received by the Trustee distributed in cash or elect to reinvest the dividends.&#160; For the years
        ended December 31, 2024 and 2023, common stock dividends of $479,613 and $5,348,773, respectively, were paid to Plan participants.</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zab0b14ea3039460a896b41b18fd8938d">

          <tr>
            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top; font-style: italic; font-weight: bold;">(i)</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div style="font-style: italic; font-weight: bold;">Due from Broker</div>
            </td>
          </tr>

      </table>
      <div style="text-align: justify; margin-left: 63pt;">Effective January 1, 2024, the Plan Document was amended and restated to appoint Empower Trust Company, LLC as successor trustee to PTC.&#160; On December 29, 2023, $217,123,840 assets of the Plan were
        transferred out of PTC, which were received by Empower in January 2024.</div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="zdd67088261784980988f15659ec0f050" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

            <tr style="vertical-align: top;">
              <td style="text-align: right; vertical-align: top; width: 27pt;">
                <div style="text-align: justify;"><font style="font-weight: bold;">(2)</font></div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div style="text-align: justify;"><font style="font-weight: bold;">Summary of Significant Accounting Policies</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>&#160;</div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="ze7e5034ac45442839ded609c0ae1ffd7" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

            <tr style="vertical-align: top;">
              <td style="width: 27pt;">&#160;</td>
              <td style="text-align: right; vertical-align: top; width: 36pt;">
                <div style="text-align: left; font-style: italic; font-weight: bold;">(a)</div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div style="font-style: italic; font-weight: bold;">Basis of Presentation</div>
              </td>
            </tr>

        </table>
      </div>
      <div style="text-align: justify; margin-left: 63pt;">The accompanying financial statements of the Plan have been prepared on the accrual method of accounting.</div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="z5895c3a96255476083f376bc8ddb242c" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

            <tr style="vertical-align: top;">
              <td style="width: 27pt;">&#160;</td>
              <td style="text-align: right; vertical-align: top; width: 36pt;">
                <div style="text-align: left;"><font style="font-weight: bold; font-style: italic;">(b)</font></div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div><font style="font-weight: bold; font-style: italic;">Use of Estimates</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="text-align: justify; margin-left: 63pt;">The preparation of financial statements in conformity with U.S. generally accepted accounting principles (&#8220;U.S. GAAP&#8221;) requires management of the Plan to make estimates and assumptions that affect
        the reported amounts of assets, liabilities and changes therein and the disclosure of contingent assets and liabilities at the date of the financial statements. Actual results could differ from those estimates and assumptions.</div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="z57106919a4874d8d9696d26d0a6bb5eb" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

            <tr style="vertical-align: top;">
              <td style="width: 27pt;">&#160;</td>
              <td style="text-align: right; vertical-align: top; width: 36pt;">
                <div style="text-align: justify;"><font style="font-weight: bold; font-style: italic;">(c)</font></div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div style="text-align: justify;"><font style="font-weight: bold; font-style: italic;">Investment Valuation and Income Recognition</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="text-align: justify; margin-left: 63pt;">The Plan's investments are stated at fair value. Money market, mutual funds and common stock and the collective trust funds are valued using quoted market prices from national exchanges and/or
        inputs derived principally from or corroborated by observable market data. Investment transactions are recorded on a trade date basis. Dividend income is recognized on the ex-dividend date. Investment income is recorded on the accrual basis.</div>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageFooter" style="width: 100%;"></div>
        <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">6</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div class="BRPFPageHeader" style="width: 100%;">
          <div style="font-weight: bold;"> <a href="#TableofContents"><font style="font-weight: normal; font-style: italic; font-size: 8pt;">Table of Contents</font></a></div>
          <div style="font-weight: bold;"><br>
            <div style="text-align: center; font-weight: bold;">FLAGSTAR FINANCIAL, INC.</div>
            <div style="text-align: center; font-weight: bold;">EMPLOYEE SAVINGS PLAN</div>
            <div>&#160;</div>
            <div style="text-align: center; font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">Notes to Financial Statements</div>
            <font style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;"> </font>
            <div style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">&#160;</div>
            <font style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;"> </font>
            <div style="text-align: center; font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">December 31, 2024 and 2023</div>
          </div>
        </div>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5eb70d2b9576498987f83e908de45191">

          <tr>
            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top; font-style: italic; font-weight: bold;">(d)</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div style="font-style: italic; font-weight: bold;">Notes Receivable from Participants</div>
            </td>
          </tr>

      </table>
      <div style="text-align: justify; margin-left: 63pt;">Notes receivable from participants are equal to the outstanding principal balances plus accrued interest.</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z7a9e46b8b0924e7fb5eec22c38aabc76">

          <tr>
            <td style="width: 27pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top; font-style: italic; font-weight: bold;">(e)</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div style="font-style: italic; font-weight: bold;">Contributions</div>
            </td>
          </tr>

      </table>
      <div style="text-align: justify; margin-left: 63pt;">Contributions to the Plan from participants and, when applicable from the Bank, are recorded in the period the payroll deductions are made from Plan participants.</div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="zaef1669241614cedb7e04647241c708b" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

            <tr style="vertical-align: top;">
              <td style="width: 27pt;">&#160;</td>
              <td style="text-align: right; vertical-align: top; width: 36pt;">
                <div style="text-align: justify;"><font style="font-weight: bold; font-style: italic;">(f)</font></div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div style="text-align: justify;"><font style="font-weight: bold; font-style: italic;">Payment of Benefits</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="text-align: justify; margin-left: 63pt;">Benefits to participants or their beneficiaries are recorded when paid.</div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="z3d79aa7b1b3f4e8f9cdec18bbab9eae3" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

            <tr style="vertical-align: top;">
              <td style="width: 27pt;">&#160;</td>
              <td style="text-align: right; vertical-align: top; width: 36pt;">
                <div style="text-align: justify;"><font style="font-weight: bold; font-style: italic;">(g)</font></div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div style="text-align: justify;"><font style="font-weight: bold; font-style: italic;">Administrative Expenses</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="text-align: justify; margin-left: 63pt;">Administrative fees are charged to the Plan. All other administrative expenses of the Plan are paid by the Bank. Expenses directly related to the managing of the mutual funds (such as investment
        management fees, commissions, and other transaction costs) are charged against the assets of the applicable fund to which such expenses directly relate.</div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="zcb59d82ca09d4cb6aea27d2d4e548006" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

            <tr style="vertical-align: top;">
              <td style="text-align: right; vertical-align: top; width: 27pt;">
                <div style="text-align: justify;"><font style="font-weight: bold;">(3)</font></div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div style="text-align: justify;"><font style="font-weight: bold;">Investments</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div>&#160;</div>
      <div style="text-align: justify; margin-left: 27pt;">Investments held by the Plan are reported at fair value.</div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 27pt;">U.S. GAAP sets forth a definition of fair value, establishes a consistent framework for measuring fair value, and requires disclosure for each major asset and liability category measured at fair
        value on either a recurring or non-recurring basis. U.S. GAAP also clarifies that fair value is an &#8220;exit&#8221; price, representing the amount that would be received when selling an asset, or paid when transferring a liability, in an orderly transaction
        between market participants. Fair value is thus a market-based measurement that should be determined based on assumptions that market participants would use in pricing an asset or liability. As a basis for considering such assumptions, U.S. GAAP
        establishes a three-tier fair value hierarchy, which prioritizes the inputs used in measuring fair value as follows:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z780fdc7605a64bae98b2fae8379c8f86">

          <tr>
            <td style="width: 24.5pt;"><br>
            </td>
            <td style="width: 18pt; vertical-align: top;">&#8226;</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>Level 1 &#8211; Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets.</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z43aa1ad4a624455ba61d8a6b85b4d7fc">

          <tr>
            <td style="width: 24.5pt;"><br>
            </td>
            <td style="width: 18pt; vertical-align: top;">&#8226;</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>Level 2 &#8211; Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the
                full term of the financial instrument.</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zca1b90a1c350413589b498d6305a3fa5">

          <tr>
            <td style="width: 24.5pt;"><br>
            </td>
            <td style="width: 18pt; vertical-align: top;">&#8226;</td>
            <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>Level 3 &#8211; Inputs to the valuation methodology are significant unobservable inputs that reflect a company&#8217;s own assumptions about the assumptions that market participants use in pricing an asset or liability.</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: justify; margin-left: 27pt;">A financial instrument&#8217;s categorization within this valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement.</div>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageFooter" style="width: 100%;"></div>
        <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">7</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div class="BRPFPageHeader" style="width: 100%;">
          <div style="font-weight: bold;"> <a href="#TableofContents"><font style="font-weight: normal; font-style: italic; font-size: 8pt;">Table of Contents</font></a></div>
          <div style="font-weight: bold;"><br>
            <div style="text-align: center; font-weight: bold;">FLAGSTAR FINANCIAL, INC.</div>
            <div style="text-align: center; font-weight: bold;">EMPLOYEE SAVINGS PLAN</div>
            <div>&#160;</div>
            <div style="text-align: center; font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">Notes to Financial Statements</div>
            <font style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;"> </font>
            <div style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">&#160;</div>
            <font style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;"> </font>
            <div style="text-align: center; font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">December 31, 2024 and 2023</div>
          </div>
        </div>
      </div>
      <div style="text-align: justify; margin-left: 27pt;">The following tables present the Plan's fair value hierarchy for those investments measured at fair value as of December 31, 2024, and 2023:</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" class="cfttable" id="zb7b59bd2587c460a90ca863b7d1cebcc" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

          <tr>
            <td valign="bottom" nowrap="nowrap" colspan="4" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="10" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">Fair value measurements at December 31, 2024 using</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
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              <div style="text-indent: -7.2pt; margin-left: 7.2pt; color: rgb(0, 0, 0); font-weight: bold;">Description</div>
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            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
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              <div style="text-align: center; color: #000000; font-weight: bold;">fair value at Dec. 31,</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">2024</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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              <div style="text-align: center; color: #000000; font-weight: bold;">Quoted prices</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">in active</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">markets for</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">identical assets</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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              <div style="text-align: center; color: #000000; font-weight: bold;">Significant other</div>
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              <div style="text-align: center; color: #000000; font-weight: bold;">(Level 2)</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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              <div style="text-align: center; color: #000000; font-weight: bold;">Significant</div>
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              <div style="text-align: center; color: #000000; font-weight: bold;">(Level 3)</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
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          <tr>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 52%; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; color: rgb(0, 0, 0);">Mutual Funds</div>
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            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">$</div>
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            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">296,701,282</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">$</div>
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            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">296,701,282</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">$</div>
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            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">-</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">$</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">-</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 52%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; color: rgb(0, 0, 0);">Common Stock</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="color: rgb(0, 0, 0);">45,756,216</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="color: rgb(0, 0, 0);">45,756,216</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="color: rgb(0, 0, 0);">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="color: rgb(0, 0, 0);">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 52%; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; color: rgb(0, 0, 0);">Collective Trust Funds</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">554,007,441</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">554,007,441</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 52%; padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; color: rgb(0, 0, 0);">Money Market Fund</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="color: rgb(0, 0, 0);">1,004,706</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="color: rgb(0, 0, 0);">1,004,706</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="color: rgb(0, 0, 0);">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="color: rgb(0, 0, 0);">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 52%; padding-bottom: 4px; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt; color: rgb(0, 0, 0);">Total investments at fair value</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>$</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>897,469,645</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>$</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>343,462,204</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div>$</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div><font style="color: rgb(0, 0, 0);">554,007,441</font></div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">$</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: #CCEEFF;">&#160;</td>
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          <tr>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="2" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="10" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">Fair value measurements at December 31, 2023 using</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; color: rgb(0, 0, 0); font-weight: bold;">Description</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; color: #000000; font-weight: bold;">Assets measured at</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">fair value at Dec. 31,</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">2023</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; color: #000000; font-weight: bold;">Quoted prices</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">in active</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">markets for</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">identical assets</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">(Level 1)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; color: #000000; font-weight: bold;">Significant other</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">observable inputs</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">(Level 2)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; color: #000000; font-weight: bold;">Significant</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">Unobservable</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">inputs</div>
              <div style="text-align: center; color: #000000; font-weight: bold;">(Level 3)</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 52%; background-color: #CCEEFF;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; color: rgb(0, 0, 0);">Mutual Funds</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">$</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">104,932,937</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">$</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">104,932,937</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">$</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">$</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div style="color: rgb(0, 0, 0);">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 52%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; color: rgb(0, 0, 0);">Common Stock</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="color: rgb(0, 0, 0);">174,226,240</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="color: rgb(0, 0, 0);">174,226,240</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="color: rgb(0, 0, 0);">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div style="color: rgb(0, 0, 0);">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 52%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt; color: rgb(0, 0, 0);">Collective Trust Fund: Reliance MetLife Stable Value Fund</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="color: rgb(0, 0, 0);">34,680,193</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="color: rgb(0, 0, 0);">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="color: rgb(0, 0, 0);">34,680,193</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="color: rgb(0, 0, 0);">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 52%; padding-bottom: 4px;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt; color: rgb(0, 0, 0);">Total investments at fair value</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;">
              <div>$</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;">
              <div>313,839,370</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;">
              <div>$</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;">
              <div>279,159,272</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;">
              <div>$</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;">
              <div>34,680,193</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 double 4px;">
              <div style="color: rgb(0, 0, 0);">$</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 double 4px;">
              <div style="color: rgb(0, 0, 0);">-</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px;">&#160;</td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 27pt;">The methods described above may produce a fair value that may not be indicative of the net realizable value or future fair values. Furthermore, while management believes its valuation methods are
        appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different fair value measurement at the reporting date.&#160;
        There were no transfers between levels for the year ended December 31, 2024.</div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="z8576775f1cf544d19c258664de3af735" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

            <tr style="vertical-align: top;">
              <td style="text-align: right; vertical-align: top; width: 27pt;">
                <div style="text-align: justify; font-weight: bold;">(4)</div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div style="text-align: justify; font-weight: bold;">Risks and Uncertainties</div>
              </td>
            </tr>

        </table>
      </div>
      <div>&#160;</div>
      <div style="text-align: justify; margin-left: 27pt;">The Plan offers a number of investment options including common stock of Flagstar Financial, Inc. and a variety of investment funds, some of which are mutual funds, collective trust funds and money
        market funds. The investment funds include U.S. equities, international equities, and fixed income securities. Investment securities, in general, are exposed to various risks, such as interest, credit, and overall market volatility risk.&#160; Due to
        the level of risk associated with certain investment securities, it is reasonably possible that changes in the values of investment securities will occur in the near term and that such changes could materially affect the amounts, reported in the
        Statements of Net Assets Available for Plan Benefits and participant account balances.</div>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageFooter" style="width: 100%;"></div>
        <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">8</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div class="BRPFPageHeader" style="width: 100%;">
          <div style="font-weight: bold;"> <a href="#TableofContents"><font style="font-weight: normal; font-style: italic; font-size: 8pt;">Table of Contents</font></a></div>
          <div style="font-weight: bold;"><br>
            <div style="text-align: center; font-weight: bold;">FLAGSTAR FINANCIAL, INC.</div>
            <div style="text-align: center; font-weight: bold;">EMPLOYEE SAVINGS PLAN</div>
            <div>&#160;</div>
            <div style="text-align: center; font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">Notes to Financial Statements</div>
            <font style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;"> </font>
            <div style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">&#160;</div>
            <font style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;"> </font>
            <div style="text-align: center; font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">December 31, 2024 and 2023</div>
          </div>
        </div>
      </div>
      <div style="text-align: justify; margin-left: 27pt;">The Plan invests indirectly in securities with contractual cash flows such as asset backed securities, collateralized mortgage obligations and commercial mortgage backed securities, including
        securities backed by subprime mortgage loans. The value, liquidity and related income of these securities are sensitive to changes in economic conditions, including real estate value, delinquencies or defaults, or both, and may be adversely
        affected by shifts in the market's perception of the issuers and changes in interest rates.</div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 27pt;">The Plan's exposure to a concentration of credit risk is limited by the diversification of investments across various participant-directed fund elections. Additionally, the investments within each
        participant-directed fund election are further diversified into varied financial instruments, with the exception of the common stock fund of the employer, which invests in a single security, the common stock of Flagstar Financial, Inc.</div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 27pt;">At December 31, 2024 and 2023, approximately 5% and 32%, respectively, of the Plan's net assets were invested in the common stock fund of the employer.&#160; The underlying value of the common stock is
        entirely dependent upon the performance of the employer and the market's evaluation of such performance. It is at least reasonably possible that changes in the fair value of the Flagstar Financial, Inc. common stock in the near term could
        materially affect participants account balances.</div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="z9954ccb75fc443ad9b0caff77ff107f8" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

            <tr style="vertical-align: top;">
              <td style="text-align: right; vertical-align: top; width: 27pt;">
                <div style="text-align: justify; font-weight: bold;">(5)</div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div style="text-align: justify; font-weight: bold;">Related Party Transactions (Parties-in-Interest)</div>
              </td>
            </tr>

        </table>
      </div>
      <div>&#160;</div>
      <div style="text-align: justify; margin-left: 27pt;">Empower Retirement, LLC. is the record-keeper for the Plan. Empower Trust Company LLC is the trustee and custodian of the Plan for the year ended December 31, 2024, and Pentegra Trust Company was
        the trustee and Reliance Trust Company was the custodian of the Plan for the year ended December 31, 2023. The Plan invests in the common stock of the Plan Sponsor. These transactions qualify as parties-in-interest transactions.</div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 27pt;">Mutual fund operation expenses are paid from a fund's assets and are reflected in the fund's share/unit price and dividends.</div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 27pt;">CAPTRUST Financial Advisors is engaged as an investment advisor to the Plan.</div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 27pt;">KPMG LLP, the auditor of the Plan&#8217;s financial statements, is also a party-in-interest as defined by ERISA.</div>
      <div><br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="z4d8178d6550048eda04373bb1b02d72a" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

            <tr style="vertical-align: top;">
              <td style="text-align: right; vertical-align: top; width: 27pt;">
                <div style="text-align: justify; font-weight: bold;">(6)</div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div style="text-align: justify; font-weight: bold;">Income Tax Status</div>
              </td>
            </tr>

        </table>
      </div>
      <div>&#160;</div>
      <div style="text-align: justify; margin-left: 27pt;">The Internal Revenue Service has determined and informed the Bank by a letter dated October 22, 2013, that the Plan is qualified and the trust established under the Plan is tax-exempt, under the
        appropriate sections of the IRC. The Plan has been amended since receiving the determination letter. However, the Plan Administrator believes that the Plan is currently designed, and being operated, in compliance with the applicable requirement of
        the IRC. Therefore, they believe that the Plan was qualified, and the related trust was tax-exempt as of the financial statement date.</div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-left: 27pt;">U.S. GAAP requires plan management to evaluate tax positions taken by the Plan and recognize a tax liability (or asset) if the Plan has taken an uncertain position that more likely than not would
        not be sustained upon examination by the Internal Revenue Service. The Plan Administrator has analyzed the tax positions taken by the Plan, and has concluded that as of December 31, 2024 and 2023, there are no uncertain positions taken or expected
        to be taken that would require recognition of a liability (or asset) or disclosure in the financial statements. The Plan is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress.</div>
      <div><br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageFooter" style="width: 100%;"></div>
        <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">9</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        <div class="BRPFPageHeader" style="width: 100%;">
          <div style="font-weight: bold;"> <a href="#TableofContents"><font style="font-weight: normal; font-style: italic; font-size: 8pt;">Table of Contents</font></a></div>
          <div style="font-weight: bold;"><br>
            <div style="text-align: center; font-weight: bold;">FLAGSTAR FINANCIAL, INC.</div>
            <div style="text-align: center; font-weight: bold;">EMPLOYEE SAVINGS PLAN</div>
            <div>&#160;</div>
            <div style="text-align: center; font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">Notes to Financial Statements</div>
            <font style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;"> </font>
            <div style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">&#160;</div>
            <font style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;"> </font>
            <div style="text-align: center; font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">December 31, 2024 and 2023</div>
          </div>
        </div>
      </div>
      <!--PROfilePageNumberReset%Num%10%%%-->
      <div>
        <div>
          <div>
            <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

                <tr style="vertical-align: top;">
                  <td style="text-align: right; vertical-align: top; width: 27pt;">
                    <div style="text-align: left; font-weight: bold;">(7)</div>
                  </td>
                  <td style="text-align: left; vertical-align: top; width: auto;">
                    <div style="font-weight: bold;">Plan Termination</div>
                  </td>
                </tr>

            </table>
          </div>
          <div>&#160;</div>
          <div style="text-align: justify; margin-left: 27pt;">Although it has not expressed any intent to do so, the Plan Sponsor reserves the right under the Plan to discontinue its contributions at any time and to terminate the Plan subject to the
            provisions of ERISA. In the event of a plan termination, participants become 100% vested in all employer contributions.</div>
        </div>
        <div> <br>
        </div>
        <div>
          <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

              <tr style="vertical-align: top;">
                <td style="text-align: right; vertical-align: top; width: 27pt;">
                  <div style="text-align: left; font-weight: bold;">(8)</div>
                </td>
                <td style="text-align: left; vertical-align: top; width: auto;">
                  <div style="font-weight: bold;">Non-exempt Transactions <br>
                  </div>
                </td>
              </tr>

          </table>
        </div>
        <div> <br>
        </div>
        <div>
          <div style="text-indent: 0pt; margin-left: 27pt;">During the 2024 Plan year, employee withholdings totaling $4,778 were not remitted to the Plan within the appropriate time period by the Bank. These transactions constitute prohibited transactions
            as defined by ERISA.&#160; The Bank remitted the withholding in January and February 2025 with lost earnings.</div>
        </div>
        <div> <br>
        </div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" id="ze5afb77cff2246fd80cd4f0444169743" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

            <tr style="vertical-align: top;">
              <td style="text-align: right; vertical-align: top; width: 27pt;">
                <div style="text-align: left; font-weight: bold;">(9)</div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div style="font-weight: bold;">Subsequent Events</div>
              </td>
            </tr>

        </table>
      </div>
      <div>&#160;</div>
      <div style="text-align: justify; margin-left: 27pt;">The Plan evaluated subsequent events through June 27, 2025, the date on which the financial statements were issued. There have been no events that have occurred that would require adjustment to or
        disclosure in the financial statements.</div>
      <div style="text-align: justify;"> <br>
      </div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="width: 100%;" class="BRPFPageFooter"></div>
        <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">10</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        <div class="BRPFPageHeader" style="width: 100%;">
          <div>
            <div style="font-weight: bold;"> <a href="#TableofContents"><font style="font-weight: normal; font-style: italic; font-size: 8pt;">Table of Contents</font></a></div>
          </div>
        </div>
      </div>
      <!--PROfilePageNumberReset%Num%11%%%-->
      <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">FLAGSTAR FINANCIAL, INC.</div>
      <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">EMPLOYEE SAVINGS PLAN</div>
      <div>&#160;</div>
      <a name="ScheduleHLine4i-Scheduleo"><!--Anchor--></a>
      <div style="text-align: center;">Schedule H, Line 4i - Schedule of Assets (Held at End of Year)</div>
      <div>&#160;</div>
      <div style="text-align: center;">December 31, 2024</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" class="cfttable" id="z2336c4ed391f46fca85e8a724b56dc56" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%;">
              <div style="text-align: center; text-indent: -7.2pt; margin-left: 7.2pt; font-weight: bold;"><u>Identity of issue</u></div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%;">
              <div style="text-align: center; font-weight: bold;"><u>Description of investment</u></div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;">Number of <u>shares/units</u></div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">
              <div style="text-align: center; font-weight: bold;"><u>Current value</u></div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 12%;">&#160;</td>
            <td style="vertical-align: top; white-space: nowrap; width: 15%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Common stock of employer:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" colspan="2" style="vertical-align: bottom;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">*Flagstar Financial, Inc.</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%; background-color: rgb(204, 238, 255);">
              <div>Common stock</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>4,904,203</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
              <div>$</div>
            </td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>45,756,216</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">&#160;</td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Money Market funds:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: top; width: 6%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 22%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">&#160;</td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Dreyfus</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">GOVERNMENT CASH MGMT INSTL</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>1,004,706</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">&#160;</td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Mutual funds:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">JPMorgan</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">EQUITY INCOME R6</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>1,322,994</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>31,672,476</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">MFS</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">NEW DISCOVERY VALUE R6</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>316,295</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>5,781,873</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">PGIM</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">TOTAL RETURN BOND R6</div>
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            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>1,092,418</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>12,934,230</div>
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            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Principal</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">SMALLCAP GROWTH I R6</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>397,981</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>5,929,918</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">T. Rowe</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">PRICE OVERSEAS STOCK I</div>
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            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>191,387</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>2,398,084</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Vanguard</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">INSTITUTIONAL INDEX FUND</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>246,064</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>117,839,968</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Vanguard</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">MID CAP INDEX I</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>626,539</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>45,242,371</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Vanguard</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">SMALL CAP INDEX I</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>222,074</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>25,571,767</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
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          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Vanguard</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">TOTAL BOND MARKET INDEX INST</div>
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            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>2,389,190</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>22,649,517</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Vanguard</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">TOTAL INTL STOCK INDEX INSTL</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>122,119</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>15,474,923</div>
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            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%; padding: 0px 0px 2px;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%; padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Victory</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%; padding-bottom: 2px;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">SYCAMORE ESTABLISHED VALUE R6</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; padding-bottom: 2px;">
              <div>243,665</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>11,206,155</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%; padding: 0px 0px 2px;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; width: 12%; padding: 0px 0px 2px;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 15%;">
              <div><br>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 6%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; background-color: rgb(204, 238, 255); width: 22%;">
              <div style="margin-left: 9pt">Subtotal Mutual Funds <br>
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            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>296,701,282</div>
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            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%; padding: 0px 0px 2px;">&#160;</td>
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          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">&#160;</td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Collective trust funds:</div>
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            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 22%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
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          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Fidelity</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">FREEDOM 2010 CMGLD POOL D</div>
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            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>79,399</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>950,404</div>
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            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Fidelity</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">FREEDOM 2015 CMGLD POOL D</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>72,694</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>897,774</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Fidelity</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">FREEDOM 2020 CMGLD POOL D</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>920,823</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>11,712,869</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Fidelity</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">FREEDOM 2025 CMGLD POOL D</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>2,746,687</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>35,816,801</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Fidelity</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">FREEDOM 2030 CMGLD POOL D</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>4,157,383</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>55,708,932</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Fidelity</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">FREEDOM 2035 CMGLD POOL D</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>4,601,961</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>64,749,597</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Fidelity</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">FREEDOM 2040 CMGLD POOL D</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>3,525,465</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>52,141,622</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Fidelity</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">FREEDOM 2045 CMGLD POOL D</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>3,232,300</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>48,419,859</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Fidelity</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">FREEDOM 2050 CMGLD POOL D</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>2,740,510</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>41,052,840</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Fidelity</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">FREEDOM 2055 CMGLD POOL D</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>1,872,316</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>28,047,296</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Fidelity</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">FREEDOM 2060 CMGLD POOL D</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>971,016</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>14,545,816</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Fidelity</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">FREEDOM 2065 CMGLD POOL D</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>297,965</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>4,463,510</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Fidelity</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">FREEDOM INC CMGLD POOL D</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>901,853</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>10,452,480</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Fidelity</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">GROWTH COMPY COMMINGLED PL</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>1,921,126</div>
            </td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>135,900,469</div>
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            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
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          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">MFS</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%;">
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            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>85,628</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">
              <div>1,445,728</div>
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            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%; padding: 0px 0px 2px;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">Reliance MetLife</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 22%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">GAC SERIES 25053 CL M</div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
              <div>428,123</div>
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            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>47,701,444</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%; padding: 0px 0px 2px;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; width: 12%; padding: 0px 0px 2px;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 15%;">
              <div><br>
              </div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 6%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px; width: 22%;">
              <div style="margin-left: 9pt">Subtotal Collective Trust Funds <br>
              </div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="color: rgb(0, 0, 0);">554,007,441</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%; padding: 0px 0px 2px;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 22%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%;">
              <div style="text-indent: -7.2pt; margin-left: 7.2pt;">Participant loans:</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 22%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%;">&#160;</td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 15%;">
              <div style="text-indent: -7.2pt; margin-left: 16.2pt;">*Participant loans</div>
            </td>
            <td valign="bottom" colspan="1" style="vertical-align: top; background-color: rgb(204, 238, 255); width: 6%;">&#160;</td>
            <td style="background-color: #CCEEFF; vertical-align: top; white-space: nowrap; width: 22%;">
              <div>
                <div>3,197 loans to participants with interest rates of 2.25%</div>
                <div>to 9.50% with maturities up to 30 years</div>
              </div>
            </td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; background-color: rgb(204, 238, 255);">
              <div>20,287,201</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: top; width: 12%; padding: 0px 0px 2px;">&#160;</td>
            <td valign="bottom" style="vertical-align: top; width: 15%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 22%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; padding-bottom: 2px;">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%; padding: 0px 0px 2px;">&#160;</td>
          </tr>
          <tr>
            <td colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; width: 12%; padding: 0px 0px 4px;">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 15%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 6%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" style="vertical-align: bottom; width: 22%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" nowrap="nowrap" class="cftfncell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 5%; padding-bottom: 4px; background-color: rgb(204, 238, 255);">&#160;</td>
            <td valign="bottom" class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>$</div>
            </td>
            <td valign="bottom" class="cftnumcell" colspan="1" style="vertical-align: bottom; text-align: right; width: 10%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div>917,756,846</div>
            </td>
            <td class="cftfncell" colspan="1" style="background-color: rgb(255, 255, 255); vertical-align: bottom; white-space: nowrap; width: 12%; padding: 0px 0px 4px;">&#160;</td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="margin-left: 81pt;">*Parties-in-interest as defined by ERISA.</div>
      <div style="margin-left: 81pt;">See accompanying Report of Independent Registered Public Accounting Firm.</div>
      <div><br>
      </div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageFooter" style="width: 100%;"></div>
        <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">11</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        <div class="BRPFPageHeader" style="width: 100%;">
          <div>
            <div style="font-weight: bold;"> <a href="#TableofContents"><font style="font-weight: normal; font-style: italic; font-size: 8pt;">Table of Contents</font></a></div>
          </div>
        </div>
      </div>
      <!--PROfilePageNumberReset%Num%12%%%-->
      <div>
        <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">
          <div style="color: #000000; font-weight: bold;">FLAGSTAR FINANCIAL, INC.</div>
          <div style="color: #000000; font-weight: bold;">EMPLOYEE SAVINGS PLAN</div>
          <div><br>
          </div>
        </div>
        <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">
          <div style="font-weight: normal;"><a name="ScheduleHLine4a-Scheduleo"><!--Anchor--></a>Schedule H, Line 4a - Schedule of Delinquent Participant Contributions</div>
          <div style="font-weight: normal;">&#160;For the year ended December 31, 2024</div>
        </div>
        <div style="color: rgb(0, 0, 0); font-weight: 400;">
          <div><br>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

                <tr>
                  <td style="width: 21.94%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
                    <div style="font-weight: bold;">Participant contributions transferred late to Plan</div>
                  </td>
                  <td colspan="3" style="width: 54.83%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
                    <div style="font-weight: bold;">Total that constitute nonexempt prohibited transactions</div>
                  </td>
                  <td style="width: 23.23%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
                    <div style="font-weight: bold;">Total fully corrected under VFCP and PTE 2002-51</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 21.94%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
                    <div>Check here if late participant loan repayments are included</div>
                  </td>
                  <td style="width: 18.28%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
                    <div>Contributions not corrected</div>
                  </td>
                  <td style="width: 18.28%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
                    <div>Contributions corrected outside VFCP <sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(a)</sup></div>
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                  <td style="width: 18.28%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
                    <div>Contributions pending correction in VFCP</div>
                  </td>
                  <td style="width: 23.23%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
                </tr>
                <tr>
                  <td style="width: 21.94%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
                    <div style="text-align: center;">$4,778 for the 2024 Plan year</div>
                  </td>
                  <td style="width: 18.28%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
                    <div style="text-align: center;">$-</div>
                  </td>
                  <td style="width: 18.28%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
                    <div style="text-align: center;">$4,778</div>
                  </td>
                  <td style="width: 18.28%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
                    <div style="text-align: center;">$-</div>
                  </td>
                  <td style="width: 23.23%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
                    <div style="text-align: center;">$-</div>
                  </td>
                </tr>

            </table>
          </div>
          <div><br>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">

                <tr>
                  <td style="width: 36pt; vertical-align: top; text-align: right;">
                    <div style="text-align: left; margin-left: 18pt;">(a)</div>
                  </td>
                  <td style="width: auto; vertical-align: top;">
                    <div>During 2025, management identified late remittances of $4,778 for the Plan year 2024. $4,778 was remitted to the Plan in 2025 along with lost earnings.</div>
                    <div>
                      <div>See accompanying Report of Independent Registered Public Accounting Firm.</div>
                    </div>
                  </td>
                </tr>

            </table>
          </div>
          <div><br>
          </div>
        </div>
      </div>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageFooter" style="width: 100%;"></div>
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">12</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div class="BRPFPageHeader" style="width: 100%;">
        <div>
          <div style="font-weight: bold;"> <a href="#TableofContents"><font style="font-weight: normal; font-style: italic; font-size: 8pt;">Table of Contents</font></a></div>
        </div>
      </div>
    </div>
    <div style="text-align: center; font-weight: bold;">SIGNATURES</div>
    <div><br>
    </div>
    <div style="font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">&#160;&#160;&#160;&#160;&#160;The Plan</font><font style="font-size: 10pt;">.&#160; Pursuant to the requirements of the Securities Exchange Act of 1934, the trustees (or other persons who administer
        the employee benefit plan) have duly caused this Annual Report to be signed on its behalf by the undersigned hereunto duly authorized.</font></div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="za3b888121f014615ad0c00feb9f0c046">

        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div>Date:&#160; June 27, 2025</div>
          </td>
          <td colspan="3" style="vertical-align: top;">
            <div style="font-weight: bold;">Flagstar Financial, Inc. Employee Savings Plan</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td colspan="3" style="vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">
            <div>By:</div>
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            <div>/s/ Joanne Strucker</div>
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          <td style="width: 5%; vertical-align: top;">&#160;</td>
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          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
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            <div>Joanne Strucker</div>
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          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
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            <div>Plan Administrator</div>
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          <div style="font-weight: bold;"> <a href="#TableofContents"><font style="font-weight: normal; font-style: italic; font-size: 8pt;">Table of Contents</font></a></div>
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    <div style="text-align: center; font-weight: bold;">EXHIBIT INDEX</div>
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            <div style="font-weight: bold;"><u>Exhibit No.</u></div>
          </td>
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            <div style="text-indent: 1.5pt; font-weight: bold;"><u>Description of the Exhibit</u></div>
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          <td style="width: 10.21%; vertical-align: middle;">&#160;</td>
          <td style="width: 89.67%; vertical-align: middle;">&#160;</td>
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          <td style="width: 10.21%; vertical-align: middle; background-color: rgb(204, 238, 255);">
            <div><a href="ef20051089_ex23-1.htm">23.1</a></div>
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          <td style="width: 89.67%; vertical-align: middle; background-color: rgb(204, 238, 255);">
            <div style="text-indent: 1.5pt;">Consent of Independent Registered Public Accounting Firm &#8211; KPMG LLP</div>
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<TYPE>EX-23.1
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<DESCRIPTION>EXHIBIT 23.1
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    <div style="text-align: right; font-weight: bold;">Exhibit 23.1</div>
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    <div style="text-align: center; font-weight: bold;">Consent of Independent Registered Public Accounting Firm</div>
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      <div style="text-align: justify;">We consent to the incorporation by reference in the registration statement (<a name="z_0"></a>No. 333-218358) on Form <a name="z_1"></a>S-8 of our report
        dated June 27, 2025, with respect to the financial statements and supplemental Schedule H, Line 4i - Schedule of Assets (Held at End of Year) as of December 31, 2024 and supplemental Schedule H, Line 4a - Schedule of Delinquent Participant
        Contributions for the year ended December 31, 2024 of the Flagstar Financial, Inc. Employee Savings Plan.</div>
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            <div>/s/ KPMG LLP</div>
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            <div>New York, New York</div>
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            <div>June 27, 2025</div>
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    <div>&#160;</div>
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