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We and the underwriters have not authorized anyone to provide you with different or additional information.

We and the underwriters are not making an offer of these securities in any jurisdiction where the offer is not permitted. You should not assume that the information contained in this prospectus is accurate as of any date other than the date on the front of this prospectus.

Our business, financial condition, of operations and prospects may have changed since that date. We have obtained this data and information from various independent, third party industry sources and publications. Nothing in the data Cadmel information used or derived from third party sources should be construed as advice.

Some data and other information are also based on our good faith estimates, which are derived from our review of internal surveys and independent sources. We believe that these external sources and estimates are reliable, but have not independently verified them.


Statements as to our market position are based on market data currently available to us. Although we are not aware of any misstatements regarding the economic, employment, industry and other market data presented herein, these estimates involve inherent risks and uncertainties and are based on assumptions that are subject to change. An emerging growth company may take advantage of reduced reporting requirements and is relieved of certain other ificant requirements that are otherwise generally applicable to public companies.

In addition to the relief described above, the JOBS Act permits us an extended transition period for complying with new or revised ing standards affecting public companies.

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We intend to take advantage of this extended transition period. Before making an investment decision you should carefully read the entire prospectus, including the sections entitled "Risk Factors" and "Management's Discussion and Analysis of Indaina Condition and of Operations," together with our consolidated financial statements and the related notes that are included herein. We currently operate multiple lines of business with a focus on Federal Housing Administration "FHA" multi-family housing and healthcare facility financing and servicing, mortgage warehouse financing, retail and correspondent residential mortgage banking, agricultural lending seeeking traditional community banking.

We were founded in as a mortgage banking company, providing financing for multi-family housing and senior living properties. The shared vision of our founders, Michael Petrie and Randall Rogers, was to create a diversified financial services company, which efficiently Carmsl both nationally through mortgage banking and related services and locally through a community bank.

We have grown both organically and through acquisitions focused on expanding our services. We have strategically built our business in a way that we believe offers insulation from cyclical economic and credit swings and may provide us with synergies across our lines of business. Prior to founding Merchants, Mr.

Petrie and Mr. Rogers worked together as Merchants Mortgage Corporation, a company founded by Mr. Rogers, with Mr.

Rogers as Chief Executive Officer and Mr. Petrie as Executive Vice President. Michael Dunlap, the President and Co-Chief Operating Officer of Merchants Bank, has primarily been responsible for establishing our warehouse lending platform and Merchants Mortgage, and Housewvies served in senior management and financial roles for several mortgage companies, including as Chief Financial Officer of National City Mortgage.

For more information on our executive management team, see the "Management" section below in this prospectus.

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