Enterprise risk management is an important part of the strategies Customers employs. At December 31, 2020, $1.3 billion of retail deposits were outstanding for this product. The strategy, marketing and analysis of these segments vary considerably. Safety and Soundness; Regulation of Bank Management. These revisions took effect on January 1, 2015. The findings of the supervisory initiatives will be included in reports of examination. The types of permissible activities are subject to change by the Federal Reserve Board. We may also be subject to legal or regulatory requirements for restructured loans. As a result, our financial performance depends upon economic conditions in these regions. Additionally, we have made a significant investment in commercial real estate loans. Our acquisition activities could be material to our business. We may not be able to effectively manage our growth. Our principal source of cash flow is dividends from Customers Bank. We cannot assure you that Customers Bank will, in any circumstances, pay dividends to us. The Senior Notes and Subordinated Notes are our unsecured obligations. Item 1B. Unresolved Staff CommentsNone.53
