We take pride in our focus on effective expense management as we scale our business and we'll continue to assess appropriate investments in our operational platforms and resources to support our future growth, our ability to innovate, and our ability to drive profitability.

Aug 7, 2025 / CEO / receipt, needs a key / Brad Nordholm, CEO | earnings call 2025-08-07 | transcript 5e4eb7ba-a3ef-4eea-b20f-c50470f38b6f | chars 4322-4596 | segment 4

Our efficiency ratio remains in line with the long-term strategic target of 30% and reflects our disciplined approach to expense management as we monitor and manage expense growth proactively against our incoming revenue streams.

Aug 7, 2025 / CEO / receipt, needs a key / Brad Nordholm, CEO | earnings call 2025-08-07 | transcript 5e4eb7ba-a3ef-4eea-b20f-c50470f38b6f | chars 4092-4321 | segment 4