Turning to expenses, we delivered another quarter of prudent expense management, putting us on track to achieve our 2026 expense guidance range of $215 million to $220 million, excluding reorganizational costs.

May 6, 2026 / receipt, needs a key / Dean Mitchell, CFO | earnings call 2026-05-06 | transcript 13183330-1f41-4f06-92e3-0edf6531f1e1 | chars 4750-4960 | segment 4

We delivered another quarter of strong expense management with expenses that were down year over year despite the ongoing inflationary environment. We are pleased with our disciplined cost management year to date, and Dean will discuss the improved expectations for the remainder of 2025.

Nov 6, 2025 / receipt, needs a key / Dean Mitchell, CFO | earnings call 2025-11-06 | transcript a152f0e6-78af-4829-92e9-aa81bac3f097 | chars 5441-5729 | segment 5

As Rohit mentioned, we remain committed to disciplined expense management while also investing in our business to support growth. And during the quarter, we invested in initiatives to further modernize our technology solutions.

Nov 7, 2024 / receipt, needs a key / Rohit Gupta, CEO | earnings call 2024-11-07 | transcript 7ba98eef-b900-4cd7-8fe5-9b857463796f | chars 15433-15660 | segment 15

One is expense management. Obviously, we're always focused on making sure that our economic footprint is in relation to our, into the market size and the market realities. But I think, you know, quite frankly, whether a big market or a small market, we're focused across the business on prudent expense management. So I don't know that anything changes there, but it does, you know, highlight, you know, our focus. We maybe get more scrutiny on expense management in a smaller market.

Feb 7, 2024 / receipt, needs a key / Dean, other | earnings call 2024-02-07 | transcript 51f7d726-6618-4ccb-9017-29533d31ce43 | chars 27342-27826 | segment 28

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company_statement / Sep 15, 2026 / receipt

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company_statement / Sep 14, 2026 / receipt

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company_statement / Sep 14, 2026 / receipt

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company_statement / Sep 14, 2026 / receipt

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company_statement / Sep 11, 2026 / receipt

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company_statement / Sep 11, 2026 / receipt

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company_statement / Sep 11, 2026 / receipt

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company_statement / Sep 9, 2026 / receipt

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company_statement / Sep 9, 2026 / receipt

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company_statement / Sep 9, 2026 / receipt

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company_statement / Sep 9, 2026 / receipt