This program will provide end-to-end delivery for approximately 15 travel and purchase protection benefits, including underwriting, claim processing, and benefit servicing.

Aug 7, 2024 / receipt, needs a key / Keith Demings, CEO | earnings call 2024-08-07 | transcript a0c2e8ad-3a62-4c5a-93d6-ba577522c77b | chars 4423-4595 | segment 4

And then my follow-up question talked about expense reductions across the global franchise. Is that above what was previously contemplated and do the lifestyle input cost trends drive an increase in cost reductions? Thank you. Yeah, maybe I'll start and then Richard can add on. But certainly, you know, we've tried to be very disciplined around expense management. You know, our goal this year was to hold our G&A expenses relatively flat. That means we have to overcome merit increases, you know, additional costs for health and well-being for our employees. We've got to absorb incremental growth and incremental investment. And we've tried to do that with some of the expense actions that we took in the fourth quarter last year, but also a pretty intense focus on driving digital first and automation through all of our operations, whether they're call center claims operations or even our depots.

Aug 2, 2023 / receipt, needs a key / Keith, other | earnings call 2023-08-02 | transcript 539a3059-d867-4ae8-bdfb-8e79c38ad042 | chars 35377-36279 | segment 36

Looking ahead, we'll maintain a steadfast focus on execution, First, by strengthening and expanding our global partnerships. Second, by driving innovation and delivering on our digital first vision to improve the customer experience. And third, by realizing savings from ongoing expense management efforts.

May 3, 2023 / receipt, needs a key / Keith Demings, CEO | earnings call 2023-05-03 | transcript 8ae32d1e-64ba-4060-8701-fbcd2414bd80 | chars 3304-3610 | segment 3

We also anticipate higher spending in the second half of the year compared to the first half due to an increase in recruiting and moderate travel and related expenses as we expect to begin a phased reentry of our workforce.

Aug 4, 2021 / receipt, needs a key / Richard Jajo, CFO | earnings call 2021-08-04 | transcript a1ef71ba-5134-4013-9a42-f69b92841a8a | chars 21726-21949 | segment 21

One is travel. You know, we do some of the car benefits, for example, are linked to travel. and so with travel being very depressed that obviously it's an area that is rebalanced will have some link for us and benefit for us

May 5, 2021 / receipt, needs a key / Alan, CEO | earnings call 2021-05-05 | transcript 1d5dea9a-a245-47bc-bed3-f053e1b2677b | chars 40437-40661 | segment 41

So we are looking at that and evaluating it. But I think the main drivers really are ongoing expense management and just aligning our resources with the growth of the company.

Feb 10, 2021 / receipt, needs a key / Richard Winders, CEO | earnings call 2021-02-10 | transcript c44f917f-c9ce-41e1-bc9c-1ec83396ea56 | chars 41907-42082 | segment 42

We are cautiously optimistic, particularly as it relates to some of our travel-related programs, which were negatively impacted by the pandemic.

Feb 10, 2021 / receipt, needs a key / Richard, other | earnings call 2021-02-10 | transcript c44f917f-c9ce-41e1-bc9c-1ec83396ea56 | chars 15488-15632 | segment 15

You know, in terms of the areas that have been disrupted by COVID, that's really travel areas. And, you know, we'll see how that plays out this year. But we expect to see improvement over time.

Feb 10, 2021 / receipt, needs a key / Richard Winders, CEO | earnings call 2021-02-10 | transcript c44f917f-c9ce-41e1-bc9c-1ec83396ea56 | chars 40878-41071 | segment 41

And finally, lower expenditures on categories such as travel, giving the uncertainty around the pandemic.

Nov 3, 2020 / receipt, needs a key / Richard Kuhl, CFO | earnings call 2020-11-03 | transcript 7ee2f673-6929-4c12-bb74-91276f89baad | chars 10810-10915 | segment 11

You know, we did have some other benefits from, for example, our expense management actions where we deferred some hiring, we reduced travel, that'll come back.

Nov 3, 2020 / receipt, needs a key / Executive, other | earnings call 2020-11-03 | transcript 7ee2f673-6929-4c12-bb74-91276f89baad | chars 36344-36504 | segment 37

In addition, this year we've benefited from lower travel expenses due to COVID-19 restrictions, as well as a reduction in discretionary spending, including deferring hiring for some positions.

Aug 5, 2020 / receipt, needs a key / Richard, other | earnings call 2020-08-05 | transcript a8e3e444-9d26-4f43-8f32-44b387315b54 | chars 21139-21331 | segment 21

Early in this crisis, we implemented a global ban on business travel and transitioned the vast majority of our workforce to work from home to help stem the spread of the virus in our communities and to protect our employees.

May 6, 2020 / receipt, needs a key / Alan Kohlberg, CEO | earnings call 2020-05-06 | transcript b16864a8-bc5c-4254-b466-421d3f4dc85a | chars 2516-2740 | segment 2

In December 2022, the Company finalized a restructuring plan (the “2022 Plan”) to realize greater efficiencies by continuing to simplify its business portfolio and leverage its global footprint to reduce costs.

filing / Aug 6, 2026 / receipt

There were no costs incurred related to either restructuring plan for the three and six months ended June 30, 2026. For the three months ended June 30, 2025, there was $ 0.3 million of net reduction recorded for restructuring costs under the 2022 Plan, which included a $ 0.1 million reduction to previously estimated and recorded contract exit costs and a $ 0.2 million reduction to previously estimated and recorded se

filing / Aug 6, 2026 / receipt

In December 2025, the Company finalized a new restructuring plan (the “2025 Plan”) to optimize operational efficiencies and reduce its global footprint.

filing / Aug 6, 2026 / receipt

In December 2022, the Company finalized a restructuring plan (the “2022 Plan”) to realize greater efficiencies by continuing to simplify its business portfolio and leverage its global footprint to reduce costs.

filing / May 7, 2026 / receipt

There were no costs incurred related to either restructuring plan for the three months ended March 31, 2026. For the three months ended March 31, 2025, there was $ 1.1 million of net reduction recorded for restructuring costs under the 2022 Plan, which included a $ 3.0 million reduction to previously estimated and recorded contract exit costs, partially offset by $ 1.9 million of severance and other employee benefits

filing / May 7, 2026 / receipt

In December 2025, the Company finalized a new restructuring plan (the “2025 Plan”) to optimize operational efficiencies and reduce its global footprint.

filing / May 7, 2026 / receipt

Restructuring costs(2) -

ir_statement / Sep 15, 2026 / receipt

Expanding and deepening partnerships across all large U.S. mobile carriers and cable operators

ir_statement / Sep 15, 2026 / receipt

Extending presence into adjacent markets and expanding internationally

ir_statement / Sep 15, 2026 / receipt

Internationally, traction with OEMs and vehicle retailers further support our long-term growth ambitions

ir_statement / Sep 15, 2026 / receipt

Includes severance and real estate costs under a restructuring plan to optimize operational efficiencies, including the company's global footprint.

ir_statement / Sep 14, 2026 / receipt

Restructuring costs(2) - 28.7 - (0.3) (1.1)

ir_statement / Sep 14, 2026 / receipt