We continue to anticipate flat expenses this year and are committed to maintaining disciplined expense management going forward.

Oct 17, 2025 / CFO / receipt, needs a key / Russ Hutchinson, CFO | earnings call 2025-10-17 | transcript 7c30fd5f-1e0b-4fe5-8b54-2a2569a95e27 | chars 9757-9885 | segment 9

We do not expect a year-over-year decline in controllable expenses next quarter, driven by non-recurring benefits recorded in 2024. However, we remain committed to prudent expense management going forward.

Jul 18, 2025 / CFO / receipt, needs a key / Russ Hutchinson, CFO | earnings call 2025-07-18 | transcript 864f39df-15d2-464e-97d2-2a5d0b61fe61 | chars 12109-12314 | segment 12