BROADWAY KLEER GUARD CORP

s Benefits , including medical, dental, and vision coverage, as well as mental health and wellness initiatives. • Retirement & Financial Security programs, including a 401(k) with employer matching contributions. • Paid Time Off & Work-Life Balance initiatives, including generous PTO, parental leave, and flexible work arrangements. • Employee Assistance Programs (EAPs) and wellness initiatives to support physical, mental, and financial well-being. 15 Table of Contents Our Total Rewards philosophy ensures that our employees feel valued, supported, and motivated to contribute to the organization’s success while maintaining a strong sense of personal and financial well-being. Governance & Workforce Overview Our Board provides strategic oversight of our human capital management to promote alig

.96 281,958 In March 2025 and May 2024, the Company awarded 23,232 and 19,832 shares of common stock, respectively, to its directors under the Amended and Restated LTIP, which are fully vested. The Company recorded $168 thousand and $96 thousand of compensation expense in the years ended December 31, 2025 and December 31, 2024, respectively, based on the fair value of the stock on the date of the award. 27 Table of Contents On March 26, 2025 and May 28, 2025, the Company issued a total of 96,478 shares of restricted stock to its officers and employees under the Amended and Restated LTIP, of which 17,048 shares have been forfeited as of December 31, 2025. Each restricted stock award was valued based on the fair value of the stock on the date of the award. These awarded shares of restricted

e is derived primarily from interest income on loans and investments. Our principal costs are interest expenses that we incur on deposits and borrowings, together with general and administrative expenses. Our earnings are significantly affected by general economic and competitive conditions, particularly monetary trends, and conditions, including changes in market interest rates and the differences in market interest rates for the interest-bearing deposits and borrowings that are our principal funding sources and the interest yielding assets in which we invest, as well as government policies and actions of regulatory authorities. 1 Table of Contents Lending Activities General Our loan portfolio is comprised primarily of commercial mortgage loans which are secured by multi‑family residentia