Company: FGMCU
Filing Date: 2025-09-18
Form Type: S-4
Source: 0001104659-25-091249
Chunk: 144

Company: FG Merger II Corp.
Filing Date: 2025-09-18
Form: S-4
Chunk 144
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 impacts may result in lower revenue and market shares, financial penalties, legal fees, potential litigation that could be costly and time-consuming, potential restrictions on business operations, refunds, returns, or other forms of compensation to the customer. Furthermore, a negative outcome to the complaint may require us to make changes to our business practices, processes, or products which could be time-consuming and costly and impact our ability to deliver on our commitments to other customers.

Our activities will generally be taxable in the jurisdictions in which we operate.

Changes to taxation laws in any jurisdiction where we operate could materially affect the business. No assurance can be given that new taxation rules will not be enacted or that existing rules will not be applied in a manner that could materially affect our profits and that may result in a material adverse effect on our profitability, results of operations and financial condition.

Interest-bearing financial instruments can pose risks with any changes in market interest rates.

We may hold both cash and loans payable with variable interest rates as well as loans receivable, loans payable, or other forms of debt securities. These interest-bearing financial instruments pose risks with any changes in market interest rates of the period in which they are held. In the event interest rates continue to rise, our debt obligations that are subject to variable rates of interest, including loans or other commitments, could increase and potentially have a material impact on our financial condition.

A significant uninsured loss or a loss that significantly exceeds the limits of our insurance policies could have a material adverse effect on our operations.

We maintain insurance policies covering usual and customary risks associated with our business. A large-scale manufacturer is generally exposed to the risks inherent in the construction and operation of manufacturing facilities, such as breakdowns, manufacturing defects, natural disasters, theft, terrorist attacks and sabotage. We rely on our own insurance policies to cover losses as a result of force majeure, natural disasters, terrorist attacks or sabotage among other things. While we perform a review of insurance policies, a significant uninsured loss or a loss that significantly exceeds the limits of such insurance policies or the failure to renew such insurance policies on similar or favorable terms could have a material adverse effect on our operations and ability to continue as a going concern.

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The housing industry is highly competitive and many of our competitors have greater financial resources than we do. Increased competition may make it difficult for us to operate and grow our business.

The housing industry is highly competitive, and we compete with traditional custom builders, manufactured and modular home builders, and other innovative entrants. In addition,