Company: ATMCW
Filing Date: 2025-11-17
Form Type: DEFM14A
Source: 0001493152-25-023842
Chunk: 106

Company: ALPHATIME ACQUISITION CORP
Filing Date: 2025-11-17
Form: DEFM14A
Chunk 106
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 number of qualified personnel to keep pace with the growth of our business.

As a holding company, we depend on the ability of our subsidiaries to transfer funds to us to meet our obligations and pay dividends. Our subsidiaries’ remittance of capital depends on their earnings, regulatory requirements and restrictions and macroeconomic conditions.

Our company is a holding company and does not conduct any significant business operations of its own. Our company depends on dividends, other distributions and payments from our operating subsidiaries, and its ability to pay dividends and other obligations is dependent on the flow of funds from and among our operating subsidiaries. The ability of our operating subsidiaries to pay us dividends in the future will depend on their earnings, their ability to generate surplus capital, as well as macroeconomic conditions and other local regulatory requirements and restrictions, including exchange controls and economic or trade sanctions. We cannot assure you that our operating subsidiaries will be able to make dividend payments, other distributions and payments in amounts sufficient to meet our cash requirements or to enable us to pay any dividends.

Our success depends on retaining our existing customers and expanding our customer base.

We define our customers as anyone who owns or receives value from our services, and we categorize them as either individual customers or group scheme customers. Our individual customers include policyholders, the insured under life insurance policies and beneficiaries. Our partnered insurance providers, or group scheme customers, include master policyholders, group scheme members and beneficiaries. In calculating the number of our customers, we count each individual and entity once to avoid duplication.

While we strive to build life-long partnerships with our customers by making the customer journey easy and seamless, we cannot assure you that we will be able to maintain the rate of growth we have experienced in recent years, successfully retain our existing customers, attract new customers or capture long-term value from our customers.

There are many factors that could negatively affect our ability to grow our customer base, business or scale, including, but not limited to:

| ● | there                                                                                                     
 is a prolonged impact of the COVID-19 pandemic or any other pandemic on our persistency ratio and claims; |
| ● | we                                                                                                        
 fail to offer new or competitive products;                                                                |
| ● | our                                                                                                       
 distribution partners fail to grow their customer base or achieve sale targets;                           |
| ● | we                                                                                                        
 experience a deterioration of our financial strength including any change in our credit ratings;          |

| 60 |

| ● | technical                                                                                                                         
 or other problems frustrating the customer experience, particularly if those problems prevent us from generating quotes or paying 
 claims