UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 (I.R.S. Employer Identification No.) 300 Blvd. of the Americas, Suite 105 Lakewood, NJ 08701 (Address of principal executive offices) (Zip Code) For the quarterly period ended September 30, 2023 or RELIANCE GLOBAL GROUP, INC. ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 (Exact name of registra ...

Reliance Global Group, Inc. (NASDAQ:RELI) Q2 2023 Earnings Conference Call August 10, 2023 12:00 PM ET Company Participants Theodore Ayvas - Investor Relations, Crescendo Communications Ezra Beyman - Chairman and Chief Executive Officer Grant Barra - Senior Vice President of Operations Moshe Fishman - Director of Insurtech and Operations Joel Markovits - Chief Financial Officer Conference Call Participants Michael Albanese - EF Hutton Operator Greetings. Welcome to the Reliance Global Second Quarter 2023 Fi ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____ to _____ Commission File Number: 001-40020 RELIANCE GLOBAL GROUP, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorp ...

Financial Data and Key Metrics Changes - The company's revenue for Q1 2023 was $3.9 million, representing a 29% increase from $3.1 million in Q1 2022, driven by organic growth and the acquisition of RELI Exchange [24][25] - Net loss for Q1 2023 was $1.8 million, compared to a net income of $9.3 million in the same period of the previous year [26] Business Line Data and Key Metrics Changes - RELI Exchange has over 250 partner agencies, with a focus on experienced agents who can generate revenue quickly [9][32] - The introduction of a real-time life insurance quotation tool and an AI engine to enhance efficiency and customer experience [12][15] Market Data and Key Metrics Changes - The company has seen significant growth in agency partners since the launch of RELI Exchange in July 2022, indicating a strong market presence [22][19] Company Strategy and Development Direction - The company is shifting its focus to experienced agents to enhance revenue generation, leveraging the scalability of the RELI Exchange platform [10][32] - The launch of RELI University aims to provide training and resources to agency partners, fostering a collaborative environment [17][19] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in becoming cash flow positive by the end of the year, citing cost-cutting measures and revenue growth as key factors [31][23] - The company is committed to enhancing its technology and service offerings to maintain a competitive edge in the insurance market [16][14] Other Important Information - The company raised $4 million through a securities purchase agreement, providing additional liquidity and strengthening its balance sheet [27] Q&A Session Summary Question: What needs to happen for the company to be cash flow positive by the end of the year? - Management indicated that a mix of cost-cutting measures and revenue growth is essential, with a focus on experienced agents who can generate revenue quickly [31][32] Question: Should revenue per agent increase throughout the year? - Management confirmed that revenue per agent is expected to increase significantly as experienced agents join the platform [34] Question: How do business tools on RELI Exchange help agents compete with larger agencies? - Management explained that RELI Exchange offers a variety of options for clients, allowing independent agents to provide competitive pricing compared to national agencies [44][45] Question: Can you elaborate on the decision to convert a portion of the company loan into shares? - Management expressed confidence in the company's future and highlighted their commitment through personal investment [46]

PART I [Item 1. Financial Statements](index=3&type=section&id=Item%201.%20Financial%20Statements) Reliance Global Group, Inc. reported Q1 2023 total assets of $33.9 million, a net loss of $1.8 million, and revenue of $3.9 million, impacted by discontinued operations [Condensed Consolidated Balance Sheets](index=4&type=section&id=Condensed%20Consolidated%20Balance%20Sheets) As of March 31, 2023, total assets decreased to $33.9 million, liabilities reduced to $21.6 million, and stockholders' equity increased to $12.2 million Condensed Consolidated Balance Sheet Highlights (Unaudited) | Balance Sheet Item | March 31, 2023 | December 31, 2022 | | :--- | :--- | :--- | | **Assets** | | | | Cash | $2,116,333 | $505,410 | | Total current assets | $4,707,763 | $3,265,379 | | Intangibles, net | $12,889,277 | $9,085,092 | | Goodwill | $14,287,099 | $14,287,099 | | **Total assets** | **$33,884,466** | **$38,427,729** | | **Liabilities & Equity** | | | | Total current liabilities | $5,450,500 | $7,794,284 | | Warrant liabilities | $2,166,919 | $6,433,150 | | **Total liabilities** | **$21,648,852** | **$29,516,690** | | **Total stockholders' equity** | **$12,235,614** | **$8,911,039** | [Condensed Consolidated Statements of Operations](index=5&type=section&id=Condensed%20Consolidated%20Statements%20of%20Operations) Q1 2023 revenue grew 28.8% to $3.9 million, operating loss narrowed to $0.9 million, but a $4.8 million loss from discontinued operations led to a $1.8 million net loss Condensed Consolidated Statement of Operations (Unaudited) | Metric | Three Months Ended March 31, 2023 | Three Months Ended March 31, 2022 | | :--- | :--- | :--- | | **Total revenue** | **$3,939,103** | **$3,058,697** | | Total operating expenses | $4,832,122 | $5,309,026 | | **Loss from operations** | **($893,019)** | **($2,250,329)** | | Income from continuing operations | $2,983,861 | $9,487,884 | | Loss from discontinued operations | ($4,772,399) | ($147,884) | | **Net (loss) income** | **($1,788,538)** | **$9,340,000** | | Basic (loss) earnings per share | ($1.15) | $2.46 | | Diluted loss per share | ($2.77) | ($9.69) | [Condensed Consolidated Statements of Stockholders' Equity](index=6&type=section&id=Condensed%20Consolidated%20Statements%20of%20Stockholders%27%20Equity) Stockholders' equity increased to $12.2 million, primarily driven by over $5.0 million from common stock issuance, earnout settlement, and debt conversion, offset by a net loss - Key equity changes in Q1 2023 included the issuance of common shares for a private placement (**$3.4 million**), settlement of earnout liability (**$0.98 million**), and conversion of a loan (**$0.65 million**)[16](index=16&type=chunk) [Condensed Consolidated Statements of Cash Flows](index=8&type=section&id=Condensed%20Consolidated%20Statements%20of%20Cash%20Flows) Q1 2023 saw $1.1 million cash used in operations, $96,297 in investing, and $2.8 million provided by financing, resulting in a $1.6 million net cash increase Cash Flow Summary (Unaudited) | Cash Flow Activity | Three Months Ended March 31, 2023 | Three Months Ended March 31, 2022 | | :--- | :--- | :--- | | Net cash used in operating activities | ($1,064,878) | ($343,280) | | Net cash used in investing activities | ($96,297) | ($18,392,093) | | Net cash provided by financing activities | $2,805,700 | $20,090,409 | | **Net increase in cash and restricted cash** | **$1,644,525** | **$1,355,036** | [Notes to the Unaudited Condensed Consolidated Financial Statements](index=10&type=section&id=Notes%20to%20the%20Unaudited%20Condensed%20Consolidated%20Financial%20Statements) Notes detail a $742,000 working capital deficit, a $4.4 million loss from discontinued Medigap operations, a 1-for-15 reverse stock split, and a $3.4 million private placement - As of March 31, 2023, the Company had a working capital deficit of approximately **$742,000** but believes its financial position and ability to raise capital are sufficient to continue as a going concern[29](index=29&type=chunk)[30](index=30&type=chunk) - The company discontinued its Medigap subsidiary, recognizing a loss of **$4.4 million**, which is presented in discontinued operations[39](index=39&type=chunk) - On February 23, 2023, the company implemented a **1-for-15 reverse stock split** All share and per-share data have been retroactively adjusted[52](index=52&type=chunk) - In March 2023, the company completed a private placement, raising gross proceeds of approximately **$4 million** and net proceeds of **$3.4 million**[62](index=62&type=chunk) [Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations](index=20&type=section&id=Item%202.%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations%2E) Management discusses the company's acquisition strategy and Insurtech platforms, noting Q1 2023 revenue growth to $3.9 million, a reduced operating loss of $0.9 million, and improved working capital [Overview](index=23&type=section&id=Overview) The company's strategy focuses on acquiring insurance agencies and expanding them nationally, supported by its B2C 5MinuteInsure.com and B2B RELI Exchange Insurtech platforms - The company's primary strategy is to acquire undervalued wholesale and retail insurance agencies and expand their operations[78](index=78&type=chunk)[79](index=79&type=chunk) - As of March 31, 2023, the company has acquired **nine insurance agencies**[80](index=80&type=chunk) - Launched B2C platform **5MinuteInsure.com** and B2B platform **RELI Exchange** to enhance its national footprint and provide digital tools to agency partners[82](index=82&type=chunk)[83](index=83&type=chunk) [Recent Developments](index=25&type=section&id=Recent%20Developments) Q1 2023 saw a 1-for-15 reverse stock split in February and a March private placement that raised approximately $3.4 million in net proceeds - On March 13, 2023, the company entered into a securities purchase agreement for a private placement, raising net proceeds of approximately **$3.4 million**[90](index=90&type=chunk)[95](index=95&type=chunk) - A **1-for-15 reverse stock split** of the company's common stock was implemented on February 23, 2023[96](index=96&type=chunk) [Results of Operations](index=25&type=section&id=Results%20of%20Operations) Q1 2023 revenues increased 29% to $3.9 million, operating loss reduced to $893,019 due to cost-cutting, but total other income decreased significantly Comparison of Operations (Three Months Ended March 31) | Metric | 2023 | 2022 | | :--- | :--- | :--- | | Total Revenue | $3,939,103 | $3,058,697 | | Loss from Operations | ($893,019) | ($2,250,329) | | General & Administrative Expenses | $1,358,254 | $2,333,795 | | Net (Loss) Income | ($1,788,538) | $9,340,000 | - Revenue increased by approximately **$880,000** or **29%**, driven by organic growth and an insurance agency acquired in Q2 2022[101](index=101&type=chunk) - General and administrative expenses decreased by approximately **$975,000** or **42%** due to a focus on leaner operations and cost-cutting measures[104](index=104&type=chunk) [Liquidity and Capital Resources](index=28&type=section&id=Liquidity%20and%20capital%20resources) As of March 31, 2023, cash balance was $3.6 million and working capital deficit improved to $743,000, primarily due to a private placement and liability repayment Liquidity Position | Metric | March 31, 2023 | December 31, 2022 | | :--- | :--- | :--- | | Cash Balance | ~$3.6 million | ~$1.9 million | | Working Capital Deficit | ~$743,000 | ~$4.5 million | Cash Flow Summary (Three Months Ended March 31) | Cash Flow Activity | 2023 | 2022 | | :--- | :--- | :--- | | Net cash used in operating activities | ($1,064,878) | ($482,906) | | Net cash used in investing activities | ($96,297) | ($18,252,467) | | Net cash provided by financing activities | $2,805,700 | $20,090,409 | [Item 3. Quantitative and Qualitative Disclosures About Market Risk](index=25&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk%2E) The company states this item is not applicable, indicating no material exposure to market risks requiring disclosure for a smaller reporting company - The company has indicated that this section is not applicable[118](index=118&type=chunk) [Item 4. Controls and Procedures](index=25&type=section&id=Item%204.%20Controls%20and%20Procedures%2E) A material weakness in EPS disclosure controls identified in 2022 persisted as of March 31, 2023, despite Q1 mitigation efforts, rendering controls ineffective - A material weakness in disclosure controls related to earnings per share (EPS) was identified in 2022[120](index=120&type=chunk) - In Q1 2023, the company engaged qualified advisors to assist with EPS calculations and disclosures to mitigate the weakness[120](index=120&type=chunk) - Despite mitigation efforts, management concluded that controls over EPS remained ineffective as of March 31, 2023[121](index=121&type=chunk) PART II [Item 1. Legal Proceedings](index=26&type=section&id=Item%201.%20Legal%20Proceedings%2E) The company is subject to ordinary course legal proceedings, but management does not expect a material adverse effect, with no contingencies accrued as of March 31, 2023 - The company is subject to various legal proceedings in the ordinary course of business but does not expect them to have a material adverse effect[123](index=123&type=chunk) - No legal contingencies were accrued as of March 31, 2023[123](index=123&type=chunk) [Item 1A. Risk Factors](index=26&type=section&id=Item%201A.%20Risk%20Factors%2E) No material changes to risk factors were reported from the Annual Report on Form 10-K for the year ended December 31, 2022 - There have been no material changes from the risk factors disclosed in the Annual Report on Form 10-K for the year ended December 31, 2022[124](index=124&type=chunk) [Item 2. Unregistered Sales of Equity Securities and Use of Proceeds](index=27&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds%2E) No new unregistered sales of equity securities were reported that had not been previously disclosed - No new unregistered sales of equity securities were reported in this filing[126](index=126&type=chunk) [Item 3. Defaults Upon Senior Securities](index=27&type=section&id=Item%203.%20Defaults%20Upon%20Senior%20Securities%2E) This item is not applicable to the company for the reporting period - The company reports this item as not applicable[127](index=127&type=chunk) [Item 4. Mine Safety Disclosures](index=27&type=section&id=Item%204.%20Mine%20Safety%20Disclosures%2E) This item is not applicable as the company is not engaged in mining operations - The company reports this item as not applicable[128](index=128&type=chunk) [Item 5. Other Information](index=27&type=section&id=Item%205.%20Other%20Information%2E) No other information is reported for this period - The company reports this item as not applicable[129](index=129&type=chunk) [Item 6. Exhibits](index=27&type=section&id=Item%206.%20Exhibits) This section lists exhibits filed with Form 10-Q, including financing agreements, executive promotions, and required CEO/CFO certifications - Exhibits filed include documents related to a securities purchase agreement from March 2023, an amendment to a promissory note, and officer certifications[131](index=131&type=chunk)

Reliance Global Group, Inc. (NASDAQ:RELI) Q4 2022 Earnings Conference Call March 30, 2023 4:30 PM ET Company Participants Theodore Ayvas - VP, Crescendo Communications Ezra Beyman - Chairman & Chief Executive Office Joel Markovits - Chief Financial Officer Conference Call Participants Edward Reily - EF Hutton Operator Good day, everyone, and welcome to the Reliance Global Group Fourth Quarter and 2022 Year-End Financial Results and Business Update Conference Call. [Operator Instructions] It is now my pleas ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____ to _____ Commission file number: 001-40020 RELIANCE GLOBAL GROUP, INC. (Exact name of registrant as specified in its charter) | Florida | | 46-3390293 | | --- | --- | - ...

Reliance Global Group, Inc. (NASDAQ:RELI) Q3 2022 Earnings Conference Call November 15, 2022 12:00 PM ET Company Participants David Waldman - Investor Relations Ezra Beyman - Chairman & Chief Executive Office William Lebovics - Chief Financial Officer Joel Markovits - Chief Accounting Officer Grant Barra - Senior Vice President of Operations Conference Call Participants Edward Riley - EF Hutton Operator Good day, ladies and gentlemen. Thank you for standing by. Welcome to the Reliance Global Group Third Qu ...

PART I - FINANCIAL INFORMATION [Financial Statements](index=4&type=section&id=Item%201.%20Financial%20Statements) The company's unaudited statements show a shift to net income due to a non-cash gain on warrant liabilities [Condensed Consolidated Balance Sheets](index=4&type=section&id=Condensed%20Consolidated%20Balance%20Sheets) Total assets doubled and equity turned positive, driven by acquisitions and warrant re-measurement Condensed Consolidated Balance Sheet Highlights (Unaudited) | Account | Sep 30, 2022 | Dec 31, 2021 | | :--- | :--- | :--- | | **Total Assets** | **$55,233,830** | **$27,675,563** | | Goodwill | $33,486,107 | $10,050,277 | | Intangibles, net | $14,359,973 | $7,078,900 | | **Total Liabilities** | **$26,868,242** | **$53,741,692** | | Warrant liabilities / commitment | $3,107,578 | $37,652,808 | | **Total Stockholders' Equity (Deficit)** | **$28,365,588** | **$(26,066,129)** | [Condensed Consolidated Statements of Operations](index=5&type=section&id=Condensed%20Consolidated%20Statements%20of%20Operations) Revenue grew 78% from acquisitions, but a large non-cash gain drove a significant net income result Statement of Operations Summary (Nine Months Ended Sep 30) | Metric | 2022 | 2021 | | :--- | :--- | :--- | | **Total Revenue** | **$12,596,268** | **$7,096,213** | | Total Operating Expenses | $18,456,113 | $9,161,066 | | Loss from Operations | $(5,859,845) | $(2,064,853) | | Recognition and change in fair value of warrant liabilities | $32,398,530 | - | | **Net Income (Loss)** | **$25,957,785** | **$(2,486,045)** | | Basic Earnings (Loss) Per Share | $1.10 | $(0.25) | [Condensed Consolidated Statements of Cash Flows](index=10&type=section&id=Condensed%20Consolidated%20Statements%20of%20Cash%20Flows) Cash decreased by $1.6 million as financing inflows were offset by acquisition and operating outflows Cash Flow Summary (Nine Months Ended Sep 30) | Activity | 2022 | 2021 | | :--- | :--- | :--- | | Net cash used in operating activities | $(2,177,998) | $(1,304,320) | | Net cash used in investing activities | $(24,982,609) | $(1,963,897) | | Net cash provided by financing activities | $25,564,501 | $8,878,110 | | **Net (decrease) increase in cash** | **$(1,596,106)** | **$5,609,893** | [Notes to the Condensed Consolidated Financial Statements](index=12&type=section&id=Notes%20to%20the%20Condensed%20Consolidated%20Financial%20Statements) Notes detail a working capital deficit, acquisition accounting, and the significant impact of warrant liabilities - As of September 30, 2022, the company had a **working capital deficit of approximately $3.5 million**[26](index=26&type=chunk) - The company completed the acquisition of Medigap for $20.1 million and Barra & Associates for $7.7 million, adding a **combined $23.4 million to goodwill**[48](index=48&type=chunk)[57](index=57&type=chunk) - The company recognized a **non-operating gain of $32.4 million** for the nine months ended Sep 30, 2022, from the change in fair value of its warrant liabilities[73](index=73&type=chunk)[74](index=74&type=chunk) - In September 2022, the company issued a **$1.5 million promissory note** to YES Americana Group, LLC, a related party entity[101](index=101&type=chunk) [Management's Discussion and Analysis of Financial Condition and Results of Operations](index=29&type=section&id=Item%202.%20Management's%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations.) Revenue growth is driven by an aggressive acquisition strategy, while net income is boosted by non-cash gains [Overview and Strategy](index=29&type=section&id=Overview%20and%20Strategy) The company's strategy combines acquiring insurance agencies with developing proprietary Insurtech platforms - The company's primary strategy is to **acquire undervalued wholesale and retail insurance agencies**, with a focus on growing or underserved segments[104](index=104&type=chunk) - Launched **5MinuteInsure.com**, a B2C Insurtech platform using AI and data mining to provide instant insurance quotes in 46 states[107](index=107&type=chunk) - Launched **RELI Exchange**, a B2B InsurTech platform for agency partners, building on technology from the Barra acquisition[108](index=108&type=chunk) [Results of Operations](index=34&type=section&id=Results%20of%20Operations) Revenue rose 78% while operating loss widened, but a non-cash gain led to $26.0 million in net income Comparison of Nine Months Ended September 30, 2022 and 2021 | Item | 2022 | 2021 | Change (%) | | :--- | :--- | :--- | :--- | | **Commission Income** | **$12,596,268** | **$7,096,213** | **+78%** | | Commission Expense | $2,617,140 | $1,748,451 | +50% | | Salaries and Wages | $6,373,697 | $3,217,441 | +98% | | Marketing and Advertising | $1,922,520 | $143,110 | +1,243% | | **Loss from Operations** | **$(5,859,845)** | **$(2,064,853)** | **+184%** | | **Net Income (Loss)** | **$25,957,785** | **$(2,486,045)** | **N/A** | - The increase in marketing and advertising expense by **1,243%** is primarily due to Medigap's direct-to-consumer marketing model[151](index=151&type=chunk) - The significant shift from a net loss to net income is primarily attributable to a **$32.4 million non-cash gain** from the change in fair value of warrant liabilities[153](index=153&type=chunk) [Liquidity and Capital Resources](index=37&type=section&id=Liquidity%20and%20Capital%20Resources) The company has a $3.5 million working capital deficit, with liquidity supported by a recent private placement Liquidity Position | Metric | Sep 30, 2022 | Dec 31, 2021 | | :--- | :--- | :--- | | Cash Balance | $3.0 million | $4.6 million | | Working Capital Deficit | $3.5 million | $37.0 million | Cash Flow Summary (Nine Months Ended Sep 30, 2022) | Activity | Amount | | :--- | :--- | | Net cash used in operating activities | $(2,177,998) | | Net cash used in investing activities | $(24,982,609) | | Net cash provided by financing activities | $25,564,501 | [Quantitative and Qualitative Disclosures About Market Risk](index=38&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk.) The company indicates that this section is not applicable - Not applicable[164](index=164&type=chunk) [Controls and Procedures](index=38&type=section&id=Item%204.%20Controls%20and%20Procedures.) Management concluded that disclosure controls and procedures were effective with no material changes in the quarter - Based on an evaluation by the CEO and CFO, the company's disclosure controls and procedures were **deemed effective** as of September 30, 2022[166](index=166&type=chunk) - **No changes in internal control over financial reporting** occurred during the most recent fiscal quarter that have materially affected, or are reasonably likely to materially affect, the company's internal controls[167](index=167&type=chunk) PART II - OTHER INFORMATION [Legal Proceedings](index=38&type=section&id=Item%201.%20Legal%20Proceedings.) The company faces no legal proceedings expected to have a material adverse effect on its financial condition - The company is subject to ordinary course legal proceedings but **does not expect them to have a material adverse effect** on its business or financial condition[169](index=169&type=chunk) [Risk Factors](index=40&type=section&id=Item%201A.%20Risk%20Factors.) The company risks delisting from Nasdaq due to its failure to meet the minimum bid price requirement - The company received a notice from Nasdaq on September 27, 2022, for **failing to maintain the minimum bid price of $1.00 per share**[172](index=172&type=chunk) - The company has a 180-day compliance period, **until March 27, 2023, to regain compliance**[172](index=172&type=chunk) - **Failure to regain compliance could lead to delisting**, which would negatively impact the stock's price and liquidity[171](index=171&type=chunk)[172](index=172&type=chunk) [Unregistered Sales of Equity Securities and Use of Proceeds](index=40&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds.) The company reports no new unregistered sales of equity securities during the period - None that have not been previously disclosed in our filings with the SEC[173](index=173&type=chunk) [Defaults Upon Senior Securities](index=40&type=section&id=Item%203.%20Defaults%20Upon%20Senior%20Securities.) The company indicates that this section is not applicable - Not applicable[174](index=174&type=chunk) [Mine Safety Disclosures](index=40&type=section&id=Item%204.%20Mine%20Safety%20Disclosures.) The company indicates that this section is not applicable - Not applicable[175](index=175&type=chunk) [Other Information](index=40&type=section&id=Item%205.%20Other%20Information.) The company indicates that this section is not applicable - Not applicable[176](index=176&type=chunk) [Exhibits](index=40&type=section&id=Item%206.%20Exhibits) This section lists all exhibits filed with the report, including certifications and corporate documents - Lists various exhibits filed with the report, including bylaws, a promissory note, and **CEO/CFO certifications**[178](index=178&type=chunk)[179](index=179&type=chunk)[180](index=180&type=chunk)

Reliance Global Group, Inc. (NASDAQ:RELI) Q2 2022 Earnings Conference Call August 15, 2022 2:00 PM ET Company Participants David Waldman - Crescendo Communications, IR Ezra Beyman - Chairman and CEO William Lebovics - Chief Financial Officer Joel Markovits - Chief Accounting Officer Conference Call Participants Edward Riley - EF Hutton Operator Good morning, ladies and gentlemen. And welcome to the Reliance Global Group Second Quarter 2022 Business Update Conference. At this time, all participants have been ...