Our disciplined approach to expense management coupled with our top line growth is at the center of our financial model. This philosophy fuels our decision making and it is a core component of our long term growth strategy.

May 15, 2025 / receipt, needs a key / Nancy Walsh, CFO | earnings call 2025-05-15 | transcript e0aef068-f388-47eb-b489-0a2444b09dbb | chars 18516-18739 | segment 18

Our disciplined approach to expense management, coupled with our top-line growth, is at the center of our financial model. This philosophy fuels our decision-making, and it is a core component of our long-term growth strategy.

Mar 28, 2025 / receipt, needs a key / Nancy, CFO | earnings call 2025-03-28 | transcript 423be132-c0f8-48a3-847c-b8a0b11e6665 | chars 27140-27366 | segment 28

Our continued expense management led to lower operating expenses for a third consecutive quarter, excluding non-recurring charges. Expense management remains a top priority, and we feel we can continue to grow our loan book and improve our operating expense ratios.

Nov 2, 2023 / receipt, needs a key / Doug Clark, CEO | earnings call 2023-11-02 | transcript 1f27bbe8-0bd9-4528-bb74-fec182e03cc9 | chars 3829-4094 | segment 3

At a time when everybody just stopped and there was no discretionary spending, it kind of fell off dramatically, eating out and travel and that kind of stuff.

Feb 5, 2021 / receipt, needs a key / Don, CEO | earnings call 2021-02-05 | transcript 0d504863-3d69-4bf6-b296-6e020cfda686 | chars 25555-25713 | segment 25

As discussed in our last two quarterly conference calls, we took actions in mid-March to reduce operating expenses across several major categories, including advertising, variable compensation, a freeze on hiring, suspension of merit increases, and savings from work from home initiatives.

Oct 30, 2020 / receipt, needs a key / Roger, CFO | earnings call 2020-10-30 | transcript a01267bc-6579-42f4-a495-68ec7be5fcea | chars 18764-19053 | segment 19

But we're also well into sort of looking at internally developing additional uh card products and investing in the development um uh that stuff internally um and then more generally um yeah we're looking at canadian opportunities but like everybody else it's it's it's certainly m&a activities picking up just seeing some obviously some some monster deals get done here and there uh but you know we're like everybody else where particularly you're trying to do something in canada where we have great people on the ground in canada but the inability to travel to canada and meet people kind of face-to-face as part of a due diligence process just kind of - it just by definition kind of slows things down.

Oct 30, 2020 / receipt, needs a key / Roger, other | earnings call 2020-10-30 | transcript a01267bc-6579-42f4-a495-68ec7be5fcea | chars 37897-38602 | segment 37

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company_statement / Sep 15, 2026 / receipt

Branch Manager | {"ats": "icims", "city": null, "state": null, "job_id": "10172", "remote": false, "category": "other", "function": "other", "location": null, "job_title": "Branch Manager", "departmen

company_statement / Sep 15, 2026 / receipt

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company_statement / Sep 15, 2026 / receipt

Financial Service Representative | {"ats": "icims", "city": null, "state": null, "job_id": "10163", "remote": false, "category": "finance_ops", "function": "other", "location": null, "job_title": "Fin

company_statement / Sep 14, 2026 / receipt

Financial Service Representative | {"ats": "icims", "city": null, "state": null, "job_id": "10164", "remote": false, "category": "finance_ops", "function": "other", "location": null, "job_title": "Fin

company_statement / Sep 14, 2026 / receipt

Financial Service Representative | {"ats": "icims", "city": null, "state": null, "job_id": "10165", "remote": false, "category": "finance_ops", "function": "other", "location": null, "job_title": "Fin

company_statement / Sep 14, 2026 / receipt

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company_statement / Sep 14, 2026 / receipt

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company_statement / Sep 10, 2026 / receipt

Financial Service Representative | {"ats": "icims", "city": null, "state": null, "job_id": "10152", "remote": false, "category": "finance_ops", "function": "other", "location": null, "job_title": "Fin

company_statement / Sep 9, 2026 / receipt

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company_statement / Sep 9, 2026 / receipt

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company_statement / Sep 8, 2026 / receipt

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company_statement / Sep 8, 2026 / receipt