As an ongoing result of the pandemic, there will be a structural shift in how companies operate going forward. Of course, this means greater digitization of processes like electronic applications and reduction in certain corporate expenses like travel.

Feb 24, 2021 / CEO / receipt, needs a key / Mark Pearson, CEO | earnings call 2021-02-24 | transcript 268b4626-8ddf-4632-9d7e-e259b6450545 | chars 8893-9145 | segment 9

As a result of strong expense focus and less travel, operating expenses are down 9% year over year, and we remain well on track for our $75 million net savings target.

Aug 7, 2020 / CEO / receipt, needs a key / Mark Pearson, CEO | earnings call 2020-08-07 | transcript ae085912-cb4c-4673-9308-efe6f7b34a2a | chars 3661-3828 | segment 3

We are on track to achieve our 75 million net savings and expect additional uplift from COVID related savings, such as reduced travel.

Aug 7, 2020 / CEO / receipt, needs a key / Mark Pearson, CEO | earnings call 2020-08-07 | transcript ae085912-cb4c-4673-9308-efe6f7b34a2a | chars 7282-7416 | segment 7