The following discussion is intended to provide a reader of our financial
statements with a narrative from the perspective of our management on our
financial condition, results of operations,. | April 11, 2023
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Unless the context otherwise indicates, all references in this Management's Discussion and Analysis of Financial Condition and Results of Operations, or MD&A, to the "Company," "we," "us," "our" or "ours" or similar words are to Hilltop Holdings Inc. and its direct and indirect wholly owned subsidiaries, references to "Hilltop" refer solely to Hilltop Holdings Inc.,.