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UNITED
STATES
SECURITIES
AND EXCHANGE COMMISSION
Washington,
D.C. 20549
FORM
8-K
CURRENT
REPORT
Pursuant
to Section 13 or 15(d) of
the
Securities Exchange Act of 1934
Date
of Report (Date of earliest event reported): October 22, 2026
SHF
Holdings, Inc.
(Exact
name of registrant as specified in its charter)
Delaware
(State
or other jurisdiction of incorporation)
| 001-40524 |
|
86-2409612 |
(Commission
File
Number) |
|
(IRS
Employer
Identification
No.) |
1526
Cole Blvd., Suite 250
Golden,
Colorado 80401
(Address
of principal executive offices) (Zip Code)
Registrant’s
telephone number, including area code (303) 431-3435
(Former
name or former address, if changed since last report)
Check
the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under
any of the following provisions:
| ☒ |
Written
communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) |
| |
|
| ☒ |
Soliciting
material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) |
| |
|
| ☐ |
Pre-commencement
communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) |
| |
|
| ☐ |
Pre-commencement
communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) |
Securities
registered pursuant to Section 12(b) of the Act:
| Title
of Each Class |
|
Trading
Symbol(s) |
|
Name
of Each Exchange on Which Registered |
| Class
A Common Stock, $0.0001 par value per share |
|
SHFS |
|
The
Nasdaq Stock Market LLC |
| Redeemable
Warrants, each whole warrant exercisable for one share of Class A Common Stock at an exercise price of $2,760.00 per share |
|
SHFSW |
|
The
Nasdaq Stock Market LLC |
Indicate
by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405
of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging
growth company ☒
If
an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying
with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
Item
3.02 Unregistered Sales of Equity Securities.
As
previously disclosed, on September 30, 2025 SHF Holdings, Inc. (“SHF”) entered into a Securities Purchase Agreement with
the investors party thereto, pursuant to which, among other things, SHF issued to such investors shares of SHF’s Series B Convertible
Preferred Stock, par value $0.0001 per share (the “Series B Preferred Stock”).
On
October 22, 2026, as a result of the issuances described in the following sentence, the aggregate number of shares of Class A common
stock, par value $0.0001 per share (“Common Stock”), issued to holders of the Series B Preferred Stock in unregistered
transactions from July 1, 2026 through October 23, 2026 (the “Issuance Period”) exceeded five percent (5%) of the total
number of shares of Common Stock issued and outstanding as of June 30, 2026. During the Issuance Period, SHF issued a total of
23,914,988 shares of Common Stock upon the conversion of an aggregate of 6,545 shares of Series B Preferred Stock in accordance with
the terms of the Certificate of Designation of Preferences, Rights and Limitations of the Series B Preferred Stock (the
“Certificate of Designation”). The shares of Common Stock were issued at an average conversion price of $0.2737, ranging
from $0.1210 and $1.4053 per share, reflecting adjustments to the conversion price pursuant to the terms of the
Certificate of Designation as a result of SHF’s recent reverse stock split. The conversion price of the Series B Preferred Stock is currently set at
$0.1210 pursuant to the terms of the Certificate of Designation. SHF received no additional consideration in
connection with such conversions. As of October 23, 2026, SHF had 24,942,735 shares of Common Stock issued and
outstanding.
The
issuances of Common Stock described in this Item 3.02 were exempt from the registration requirements of the Securities Act of 1933, as
amended (the “Securities Act”) in reliance on Section 3(a)(9) of the Securities Act. No commission or other remuneration
was paid or given, directly or indirectly, for soliciting the exchanges.
The
foregoing description of the Certificate of Designation does not purport to be complete and is qualified in its entirety by reference
to the full text of the Certificate of Designation, a copy of which was filed as Exhibit 3.1 to SHF’s Current Report on Form 8-K
filed with the Securities and Exchange Commission (the “SEC”) on October 3, 2025, and is incorporated herein by reference.
Item
8.01 Other Events.
On
October 26, 2026, SHF and Opifex Media Inc. (“Opifex”) issued a joint press release announcing that they had entered into
a non-binding term sheet related to a potential business combination (the “Proposed Transaction”) between SHF and Opifex,
a media holding company focused on the creator economy. A copy of the press release is attached as Exhibit 99.1 to this Current Report
on Form 8-K and is incorporated herein by reference.
Solicitation
Material
This
communication may be deemed to be solicitation material in connection with the proposals to be submitted to SHF’s stockholders
at a meeting of stockholders seeking approval of certain matters in connection with the Proposed Transaction (the “Stockholder
Meeting”). In connection with the proposals, SHF may file with the SEC a registration statement on Form S-4 (the “Registration
Statement”), which will include a proxy statement of SHF and a prospectus (the “Proxy Statement/Prospectus”). After
the Registration Statement is declared effective, SHF will mail the definitive Proxy Statement/Prospectus to its stockholders. INVESTORS
AND SECURITY HOLDERS OF SHF ARE URGED TO READ THE REGISTRATION STATEMENT, THE PROXY STATEMENT/PROSPECTUS AND ALL OTHER RELEVANT DOCUMENTS
FILED WITH THE SEC, AND ANY AMENDMENTS OR SUPPLEMENTS THERETO, CAREFULLY AND IN THEIR ENTIRETY WHEN THEY BECOME AVAILABLE, BECAUSE THEY
WILL CONTAIN IMPORTANT INFORMATION ABOUT SHF, OPIFEX, THE PROPOSED TRANSACTION AND THE PROPOSALS. Investors and security holders may
obtain free copies of the Registration Statement, the Proxy Statement/Prospectus and other documents that SHF files with the SEC, when
available, at the SEC’s website (www.sec.gov) or from SHF by accessing information included on SHF’s website (ir.shfinancial.org),
which is not incorporated by reference herein.
Participants
in the Solicitation
SHF,
Opifex and their respective directors and certain of their respective executive officers may be deemed participants in the solicitation
of proxies from SHF’s stockholders in connection with the Proposed Transaction. Information about SHF’s directors and executive
officers, including their ownership of SHF securities, appears in SHF’s proxy statement for its 2026 annual meeting of stockholders,
filed with the SEC on May 8, 2026 (under the captions “Security Ownership of Certain Beneficial Owners and Management” and
“Compensation Discussion and Analysis”), and in its Annual Report on Form 10-K filed with the SEC on April 15, 2026. Changes
in their holdings since those dates have been or will be reflected in Forms 3, 4, or 5 filed with the SEC. Information about Opifex’s
directors and executive officers, and additional information about all participants and a description of their direct and indirect interests,
by security holdings or otherwise, will be included in the Proxy Statement/Prospectus and other relevant materials filed with the SEC
when they become available. These documents can be obtained free of charge as described above.
No
Offer or Solicitation
This
communication shall not constitute an offer to sell or the solicitation of an offer to buy any securities, or a solicitation of any vote
or approval, nor shall there be any sale of securities in any jurisdiction in which such offer, solicitation, or sale would be unlawful
prior to registration or qualification under the securities laws of any such jurisdiction. No offer of securities shall be made except
by means of a prospectus meeting the requirements of Section 10 of the Securities Act.
Cautionary
Note Regarding Forward-Looking Statements
This
Current Report on Form 8-K, including Exhibit 99.1, contains forward-looking statements within the meaning of the Private Securities
Litigation Reform Act of 1995, including statements regarding the Proposed Transaction and the Stockholder Meeting. These statements
are subject to risks and uncertainties, including, without limitation: the occurrence of any event, change or other circumstances that
could give rise to the termination of the term sheet or prevent the execution of any definitive agreements with respect to the Proposed
Transaction; the inability to complete the Proposed Transaction due to the failure to obtain the required stockholder approvals or any
other required agreements, approvals or consents, including the consent of the holders of the Series B Preferred Stock required under
the Series B transaction documents; the inability to obtain the required financing to complete the Proposed Transaction or to satisfy
other conditions to closing; changes to the proposed structure of the Proposed Transaction that may be required or appropriate as a result
of applicable laws or regulations or as a condition to obtaining any required approval of the Proposed Transaction; the ability of the
combined company to meet stock exchange listing standards; the inability to achieve the anticipated benefits of the Proposed Transaction;
SHF’s ability to regain compliance with the Nasdaq minimum bid price requirement by April 19, 2027; dilution to SHF’s existing
stockholders; Opifex’s ability to complete its pending acquisitions and deliver audited financial statements; and those risks described
under “Cautionary Statement Regarding Forward-Looking Statements” in Exhibit 99.1 and under “Risk Factors” in
SHF’s most recent Annual Report on Form 10-K and subsequent Quarterly Reports on Form 10-Q, and actual results may differ materially.
SHF undertakes no obligation to update any forward-looking statement except as required by law.
Item
9.01 Financial Statements and Exhibits.
(d)
Exhibits.
| Exhibit
Number |
|
Description |
| 99.1 |
|
Joint Press Release of SHF Holdings, Inc. and Opifex Media Inc., dated October 26, 2026 |
| 104 |
|
Cover
Page Interactive Data File (embedded within the Inline XBRL document). |
SIGNATURES
Pursuant
to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its
behalf by the undersigned hereunto duly authorized.
| |
SHF
HOLDINGS, INC. |
| |
|
|
| Date:
October 26, 2026 |
By: |
/s/
Terrance E. Mendez |
| |
|
Terrance
E. Mendez |
| |
|
Chief
Executive Officer and Chief Financial Officer |
Exhibit
99.1
Safe
Harbor Financial Signs Non-Binding Term Sheet to Combine with Opifex Media,
Creating
a Nasdaq-Listed Diversified Holding Company
Combined
company would operate two distinct businesses under one parent: Opifex’s creator-economy platform and Safe Harbor’s established
cannabis financial services business
Technology
pioneer Greg Newman to serve as Chairman of the combined company
Transaction
designed to support Safe Harbor’s plan to maintain its Nasdaq listing; Nasdaq has granted a second compliance period through April
19, 2027
DENVER,
October 26, 2026 — SHF Holdings, Inc., d/b/a Safe Harbor (“Safe Harbor” ) (Nasdaq: SHFS), a fintech
platform serving the banking, lending and financial services needs of the regulated cannabis and hemp industries, announced that it has
signed a non-binding term sheet with Opifex Media Inc. (“Opifex”), a Beverly Hills, California-based media
holding company focused on the creator economy, for a proposed business combination in which Opifex would become a wholly owned subsidiary
of Safe Harbor (the “Proposed Transaction”). Following the closing, the combined company would remain listed on The Nasdaq
Stock Market LLC (“Nasdaq”) under a new name to be determined.
The
Proposed Transaction is intended to create a public holding company with two distinct primary businesses, each pursuing its own growth
strategy. Opifex would bring a portfolio of creator-economy businesses across publishing, music and video. Safe Harbor would continue
to operate its cannabis-focused fintech platform and serve its clients and financial institution partners without interruption. For stockholders,
the Proposed Transaction is designed to add a new growth platform, support Safe Harbor’s plan to maintain its Nasdaq listing, and
create the opportunity for long-term value.
“Today’s
announcement is an important step for Safe Harbor and our stockholders,” said Terry Mendez, Chief Executive Officer and Chief Financial
Officer of Safe Harbor. “This proposed combination is intended to bring a growth-oriented creator-economy platform into our public
company and to meet Nasdaq listing standards at closing. Greg Newman brings decades of experience building and scaling technology companies
to the combined company’s board, and we believe this combination creates a compelling path forward for our stockholders.”
About
Opifex and the Creator Economy Opportunity
Opifex
acquires, operates and grows established creator-economy businesses across publishing, music and video, connecting them through a shared
creator and data platform. The company focuses on verified human content and uses AI to improve operational efficiency, not to create
content, while helping creators monetize through audiences, brands, subscriptions, licensing and media campaigns. By integrating these
businesses, Opifex seeks to create a unified ecosystem that expands creator reach, strengthens first-party data and builds multiple revenue
streams from the same creator-economy infrastructure.
According
to Goldman Sachs Research, the creator economy was approximately $250 billion in 2023 and could reach approximately $480 billion
by 2027. Opifex believes creator-led monetization continues to take share across advertising, commerce and subscriptions, and that high-quality,
verified human content is becoming increasingly valuable as AI developers enter into content licensing agreements with publishers.
Opifex
is led by Chairman Greg Newman. Mr. Newman is a serial entrepreneur and technology pioneer whose four-decade career spans foundational
innovations in digital video and e-commerce, early backing of Baidu, and leadership of ventures shaping space power, the creator economy,
sustainable energy and consumer technology. A former Fortune 500 executive and accomplished investor, Mr. Newman has helped build companies
from the earliest days of the internet through major exits and global growth, while continuing to lead ambitious businesses at the forefront
of innovation. His experience includes the founding team of Macromedia, leading QuickTime at Apple, building the Oracle Commerce Server,
serving as an early institutional investor and board director of Baidu through its 2005 Nasdaq IPO, and co-founding C2B Technologies,
which was acquired by Inktomi in 1998.
“The
creator economy represents a significant opportunity to build a portfolio of complementary media businesses with established audiences
and valuable intellectual property,” said Mr. Newman. “Our strategy is to acquire and grow platforms that serve creators,
connect their audiences and create additional opportunities for monetization. We believe a combination with Safe Harbor provides the
right public-company foundation for that vision, and we are committed to supporting the continued operation of Safe Harbor’s cannabis
financial services business.”
Safe
Harbor’s Cannabis Financial Services Business Continues
Safe
Harbor will continue to operate its cannabis-focused fintech platform, delivering compliant banking, lending and business solutions to
cannabis operators, as well as the infrastructure and compliance services financial institutions need to operate and scale cannabis banking
programs. Since inception, Safe Harbor has supported the processing of more than $36 billion in cannabis-related transactions across
41 states and territories. The Proposed Transaction is not expected to change the services Safe Harbor provides to its clients and financial
institution partners.
Key
Terms of the Non-Binding Term Sheet
Structure.
Opifex would merge with a newly formed, wholly owned subsidiary of Safe Harbor, and Opifex security holders would receive newly issued
shares of Safe Harbor’s common stock, or, if the parties agree after consulting with Nasdaq, a combination of common stock and
non-voting convertible preferred stock. The Proposed Transaction is expected to be accounted for as a reverse acquisition.
Ownership.
At closing, Opifex security holders would own 85% and Safe Harbor’s existing stakeholders (e.g., holders of common stock, Series
B Preferred Stock (on an as-converted basis), warrants, options and restricted stock units) would own 15% of the combined company on
a fully diluted basis, before any capital raised at closing and any equity incentive plan reserve. However, the Safe Harbor allocation
described above may be adjusted within a range of 12.5% to 17.5% to reflect Safe Harbor’s valuation at closing, as supported by
an independent fairness opinion.
Valuation.
Opifex will deliver a proposed valuation, together with its financial statements and supporting analysis, within 15 business days.
The term sheet contemplates an Opifex valuation of not less than $50 million, subject to an independent valuation and fairness opinion
delivered to Safe Harbor’s Board of Directors.
Contingent
Value Right. The parties intend to negotiate a contingent value right for Safe Harbor’s existing stakeholders relating to Safe
Harbor’s cannabis financial services business as part of the definitive agreements.
Equity
Line of Credit. Safe Harbor does not intend to draw on its existing equity line of credit with CREO Capital until the closing of
the Proposed Transaction.
Series
B Preferred Securities. The term sheet contemplates the parties making arrangements under which all outstanding Series B Preferred
Securities would convert into common stock at closing. These arrangements require entering into agreements with, and obtaining consents
from, and waivers of Series B holders of transaction documents.
Capital
and Nasdaq Listing. The parties intend for the combined company to meet applicable Nasdaq listing requirements at closing, including
through a registered equity financing to investors who are not affiliates of either party, if necessary, and a direct investment of up
to $1.0 million, subject to stockholder approval. Safe Harbor would seek stockholder approval of a reverse stock split to the extent
needed to meet Nasdaq’s bid price requirement.
Equity
Incentive Plan. At closing, the combined company would adopt an equity incentive plan, subject to stockholder approval, with a reserve
equal to 10% of fully diluted shares.
Governance.
The combined company’s five-member board would include Mr. Newman as Chairman, one additional Opifex designee, two independent
directors designated by Opifex and approved by Safe Harbor’s Nominating and Corporate Governance Committee, and one director from
Safe Harbor. Opifex would designate the combined company’s officers.
Timing
and Conditions. The parties intend to negotiate a definitive agreement and to close the Proposed Transaction before April 19, 2027.
Closing would be subject to, among other things, the negotiation of a definitive agreement, satisfactory due diligence findings by both
parties, the required consents and agreements with holders of the Series B Securities, the completion of Opifex’s audited financial
statements, an independent valuation and fairness opinion, Safe Harbor stockholder approval, Nasdaq approval, completion of any required
financing and other customary conditions. The term sheet includes a 45-day exclusivity period.
As
previously announced, on October 20, 2026, Nasdaq granted Safe Harbor an additional 180-day compliance period, through April 19, 2027,
to regain compliance with the $1.00 minimum bid price requirement.
The
independent members of the Board of Directors of Safe Harbor have approved entry into the term sheet. The term sheet is non-binding,
except for certain customary provisions such as exclusivity and confidentiality, and does not obligate either party to complete the Proposed
Transaction. There can be no assurance that a definitive agreement will be executed or that the Proposed Transaction will be completed
on the terms described above or at all.
About
Opifex Media
Opifex
Media Inc. is a Beverly Hills, California-based holding company that acquires, operates and grows businesses across the creator economy,
including publishing, music and video. www.opifexmedia.com
About
Safe Harbor:
Safe
Harbor is a cannabis-exclusive financial platform delivering smarter banking, lending, payments and business services tailored to how
the cannabis industry actually operates. As one of the original pioneers of compliant financial operations support and cannabis banking
consulting in the U.S., Safe Harbor has assisted in the processing of more than $36 billion in cannabis-related depository funds across
41 states and territories. Through its proprietary Cannabis Banking Solutions™ Platform, and network of regulated financial institution
partners, Safe Harbor empowers cannabis operators to gain clarity, control and confidence in their financial operations. From daily banking
to long-term growth, Safe Harbor provides real solutions and personal support, built exclusively for cannabis. Safe Harbor is a financial
technology company, not a bank. Banking services are provided by our partner financial institutions. For more information, visit shfinancial.org.
Solicitation
Material
This
communication may be deemed to be solicitation material in connection with the proposals to be submitted to Safe Harbor’s stockholders
at a meeting of stockholders seeking approval of certain matters in connection with the Proposed Transaction (the “Stockholder
Meeting”). In connection with the proposals, Safe Harbor may file with the Securities and Exchange Commission (the “SEC”)
a registration statement on Form S-4 (the “Registration Statement”), which will include a proxy statement of Safe Harbor
and a prospectus (the “Proxy Statement/Prospectus”). After the Registration Statement is declared effective, Safe Harbor
will mail the definitive Proxy Statement/Prospectus to its stockholders. INVESTORS AND SECURITY HOLDERS OF SAFE HARBOR ARE URGED TO READ
THE REGISTRATION STATEMENT, THE PROXY STATEMENT/PROSPECTUS AND ALL OTHER RELEVANT DOCUMENTS FILED WITH THE SEC, AND ANY AMENDMENTS OR
SUPPLEMENTS THERETO, CAREFULLY AND IN THEIR ENTIRETY WHEN THEY BECOME AVAILABLE, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT
SAFE HARBOR, OPIFEX, THE PROPOSED TRANSACTION AND THE PROPOSALS. Investors and security holders may obtain free copies of the Registration
Statement, the Proxy Statement/Prospectus and other documents that Safe Harbor files with the SEC, when available, at the SEC’s
website (www.sec.gov) or from Safe Harbor by accessing information included on Safe Harbor’s website (ir.shfinancial.org), which
is not incorporated by reference herein.
Participants
in the Solicitation
Safe
Harbor, Opifex and their respective directors and certain of their respective executive officers may be deemed participants in the solicitation
of proxies from Safe Harbor’s stockholders in connection with the Proposed Transaction. Information about Safe Harbor’s directors
and executive officers, including their ownership of Safe Harbor securities, appears in Safe Harbor’s proxy statement for its 2026
annual meeting of stockholders, filed with the SEC on May 8, 2026 (under the captions “Security Ownership of Certain Beneficial
Owners and Management” and “Compensation Discussion and Analysis”), and in its Annual Report on Form 10-K filed with
the SEC on April 15, 2026. Changes in their holdings since those dates have been or will be reflected in Forms 3, 4, or 5 filed with
the SEC. Information about Opifex’s directors and executive officers, and additional information about all participants and a description
of their direct and indirect interests, by security holdings or otherwise, will be included in the Proxy Statement/Prospectus and other
relevant materials filed with the SEC when they become available. These documents can be obtained free of charge as described above.
No
Offer or Solicitation
This
communication shall not constitute an offer to sell or the solicitation of an offer to buy any securities, or a solicitation of any vote
or approval, nor shall there be any sale of securities in any jurisdiction in which such offer, solicitation, or sale would be unlawful
prior to registration or qualification under the securities laws of any such jurisdiction. No offer of securities shall be made except
by means of a prospectus meeting the requirements of Section 10 of the Securities Act of 1933, as amended.
Cautionary
Statement Regarding Forward-Looking Statements:
Certain
information contained in this press release may contain “forward-looking statements” within the meaning of the Private Securities
Litigation Reform Act of 1995. Statements other than statements of historical facts included herein may constitute forward-looking statements
and are not guarantees of future performance or results and involve a number of risks and uncertainties. Forward-looking statements may
include, but are not limited to, statements with respect to trends in the cannabis industry, including proposed changes in U.S. and state
laws, rules, regulations and guidance relating to Safe Harbor’s services; Safe Harbor’s growth prospects and Safe Harbor’s
market size; Safe Harbor’s projected financial and operational performance, including relative to its competitors and historical
performance; success or viability of new product and service offerings Safe Harbor may introduce in the future; the impact volatility
in the capital markets, which may adversely affect the price of Safe Harbor’s securities; the outcome of any legal proceedings
that have been or may be brought by or against Safe Harbor; the execution of definitive agreements for the Proposed Transaction or the
closing thereof; the Stockholder Meeting; and other statements regarding Safe Harbor’s expectations, hopes, beliefs, intentions
or strategies regarding the future. In addition, any statements that refer to projections, forecasts or other characterizations of future
events or circumstances, including any underlying assumptions, are forward-looking statements. The words “anticipate,” “believe,”
“continue,” “could,” “estimate,” “expect,” “intends,” “outlook,”
“may,” “might,” “plan,” “possible,” “potential,” “predict,” “project,”
“should,” “would,” and similar expressions may identify forward-looking statements, but the absence of these
words does not mean that a statement is not forward-looking. Forward-looking statements are predictions, projections and other statements
about future events that are based on current expectations and assumptions and, as a result, are subject to risks and uncertainties.
Actual results may differ materially from those in the forward-looking statements as a result of a number of factors, including, without
limitation: the occurrence of any event, change or other circumstances that could give rise to the termination of the term sheet or prevent
the execution of any definitive agreements with respect to the Proposed Transaction; the inability to complete the Proposed Transaction
due to the failure to obtain the required stockholder approvals or any other required agreements, approvals or consents, including the
consent of the holders of the Series B Preferred Stock required under the Series B transaction documents; the inability to obtain the
required financing to complete the Proposed Transaction or to satisfy other conditions to closing; changes to the proposed structure
of the Proposed Transaction that may be required or appropriate as a result of applicable laws or regulations or as a condition to obtaining
any required approval of the Proposed Transaction; SHF’s ability to regain compliance with the Nasdaq minimum bid price requirement
by April 19, 2027; dilution to SHF’s existing stockholders; Opifex’s ability to complete its pending acquisitions and deliver
audited financial statements; and other risks and uncertainties described from time to time in Safe Harbor’s filings with the SEC.
Safe Harbor undertakes no duty to update any forward-looking statement made herein. All forward-looking statements speak only as of the
date of this press release.
Safe
Harbor Investor Relations Contact:
ir@SHFinancial.org
Safe
Harbor Media Relations Contact:
safeharbor@kcsa.com
