Company: FFWM
Filing Date: 2025-10-27
Form Type: 425
Source: 0001104659-25-102636
Chunk: 3

Company: First Foundation Inc.
Filing Date: 2025-10-27
Form: 425
Chunk 3
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| · | the outcome of any legal proceedings that may       
 be instituted against FirstSun or First Foundation; |

| · | the risk that the cost                                                                                                               
 savings and synergies expected from the proposed transaction may not be realized or may take longer than anticipated to be realized; |

| · | the risk that integration                                                                                                       
 of FirstSun’s and First Foundation’s respective businesses may be materially delayed or more costly or difficult than expected, 
 including as a result of unexpected factors or events;                                                                          |

| · | changes to tax legislation                                    
 and their potential effects on the accounting for the merger; |

| · | the possibility of dilution                                                                                            
 to existing shareholders resulting from the issuance of additional shares in connection with the proposed transaction; |

| · | the possibility that the                                                                                                                 
 combined company may be subject to additional regulatory requirements as a result of the merger or expansion of its business operations; 
 and                                                                                                                                      |

| · | other factors that may                                                                                                                          
 affect future results of FirstSun or First Foundation including changes in asset quality and credit risk; the inability to sustain revenue      
 and earnings growth; changes in interest rates and capital markets; inflation; customer borrowing, repayment, investment and deposit practices; 
 the impact, extent and timing of technological changes; capital management activities; and actions of the Federal Reserve Board and legislative 
 and regulatory actions and reforms.                                                                                                             |

Further information regarding additional factors that could affect the forward-looking statements can be found in the cautionary language included under the headings “Cautionary Note Regarding Forward-Looking Statements” (in the case of FirstSun), “Forward-Looking Statements” (in the case of First Foundation), and “Risk Factors” in FirstSun’s and First Foundation’s Annual Reports on Form 10-K for the year ended December 31, 2024 (available at https://www.sec.gov/ix?doc=/Archives/edgar/data/0001709442/000170944225000008/fcb-20241231.htm
and https://www.sec.gov/ix?doc=/Archives/edgar/data/0001413837/000155837025003129/ffwm-20241231x10k.htm, respectively), and other documents
subsequently filed by FirstSun and First Foundation with the Securities and Exchange Commission (the “SEC”). FirstSun and
First Foundation disclaim any obligation to update or revise any forward-looking statements contained in this communication, which speak
only as of the date hereof, whether as