As we continue to see the benefits of our efficient marketing activities, the leverage inherent in our online-only model, and thoughtful expense management.

Oct 23, 2025 / receipt, needs a key / Steve Cunningham, CFO | earnings call 2025-10-23 | transcript ea31b401-95b4-4fc6-84b3-37ace74234f1 | chars 15464-15620 | segment 15

Our fixed costs continue to scale as we focus on operating efficiency and thoughtful expense management.

Apr 29, 2025 / receipt, needs a key / Steve Cunningham, CFO | earnings call 2025-04-29 | transcript 02e9669a-f688-40b3-95cf-8f32720d9b8c | chars 16185-16289 | segment 16

Our operating costs this quarter continue to reflect the operating leverage inherent in our online model and thoughtful expense management to support our businesses.

Oct 27, 2022 / receipt, needs a key / Steve Cunningham, CFO | earnings call 2022-10-27 | transcript bbebd893-83f5-47ac-b3c9-9c8c4ffd1120 | chars 16373-16538 | segment 16

The electronic bank statement data also shows healthy spending as consumers still have savings accumulated during the COVID pandemic and appear to be trying to make up for lost time by increasing their spending in dining, travel, and clothing.

Jul 28, 2022 / receipt, needs a key / David Fisher, CEO | earnings call 2022-07-28 | transcript c81e0cab-f545-4ed5-80ff-f29482518b91 | chars 4277-4520 | segment 4

Outbound Collections Supervisor (Hybrid) | {"ats": "greenhouse", "city": "Chicago", "state": "IL", "job_id": "8192062", "remote": false, "category": "other", "function": "other", "location": "Chicago,

company_statement / Sep 10, 2026 / receipt

Lead Data Scientist - Fraud (Hybrid) | {"ats": "greenhouse", "city": "Chicago", "state": "IL", "job_id": "8188362", "remote": false, "category": "other", "function": "other", "location": "Chicago, IL"

company_statement / Sep 9, 2026 / receipt

CashNetUSA Customer Service Representative (Remote) | {"ats": "greenhouse", "city": "Chicago", "state": "IL", "job_id": "8189208", "remote": false, "category": "other", "function": "other", "location"

company_statement / Sep 9, 2026 / receipt

NetCredit Loan Processing Representative (Remote) | {"ats": "greenhouse", "city": "Chicago", "state": "IL", "job_id": "8189229", "remote": false, "category": "other", "function": "other", "location":

company_statement / Sep 9, 2026 / receipt

Senior Data Scientist - Marketing (Hybrid) | {"ats": "greenhouse", "city": "Chicago", "state": "IL", "job_id": "8186474", "remote": false, "category": "other", "function": "marketing", "location": "Ch

company_statement / Sep 8, 2026 / receipt

Loan Application Support Supervisor (Hybrid) | {"ats": "greenhouse", "city": "Chicago", "state": "IL", "job_id": "8171342", "remote": false, "category": "other", "function": "support", "location": "Ch

company_statement / Sep 2, 2026 / receipt

Loan Application Support Supervisor (Hybrid) | {"ats": "greenhouse", "city": "South Jordan", "state": "UT", "job_id": "8173721", "remote": false, "category": "other", "function": "support", "location"

company_statement / Sep 2, 2026 / receipt

Lead Data Scientist (Hybrid) | {"ats": "greenhouse", "city": "Chicago", "state": "IL", "job_id": "8174624", "remote": false, "category": "other", "function": "other", "location": "Chicago, IL", "job_t

company_statement / Sep 2, 2026 / receipt

Senior BI Engineer (Hybrid) | {"ats": "greenhouse", "city": "Chicago", "state": "IL", "job_id": "8174981", "remote": false, "category": "other", "function": "engineering", "location": "Chicago, IL", "

company_statement / Sep 2, 2026 / receipt

NetCredit Collections Representative (Remote) | {"ats": "greenhouse", "city": "Chicago", "state": "IL", "job_id": "8171325", "remote": false, "category": "other", "function": "other", "location": "Chi

company_statement / Sep 1, 2026 / receipt

CashNetUSA Application Support Representative (Remote) | {"ats": "greenhouse", "city": "Chicago", "state": "IL", "job_id": "8171363", "remote": false, "category": "other", "function": "support", "loca

company_statement / Sep 1, 2026 / receipt

Call Center Supervisor - Credit Report Disputes (Hybrid) | {"ats": "greenhouse", "city": "Chicago", "state": "IL", "job_id": "8171374", "remote": false, "category": "other", "function": "other", "loca

company_statement / Sep 1, 2026 / receipt