I mean, I think when you look at the fourth quarter, there are certain things that are, you know, more particular slash seasonal to the fourth quarter. We see elevated client entertainment. We see elevated travel.

Oct 23, 2025 / receipt, needs a key / Elliot, other | earnings call 2025-10-23 | transcript 2509f18d-e481-476e-ae53-b5a5f097528c | chars 31410-31623 | segment 32

Exercising disciplined expense management while making opportunistic investments through the cycle in technology, risk management, and our associates is a top priority for us giving headwinds to net interest income.

Jul 25, 2025 / receipt, needs a key / Craig, CEO | earnings call 2025-07-25 | transcript 0749a100-e88e-441c-ac45-e75720109ae3 | chars 25822-26037 | segment 26

Exercising disciplined expense management while making opportunistic investments is a top priority for us giving headwinds to net interest income from lower rates. We expect continued spend into 2025 as we further enhance our risk management framework, modernize our technology capabilities, and consolidate our platforms to improve client experience and better enhance collaboration across our business units.

Jan 24, 2025 / receipt, needs a key / Craig, CFO | earnings call 2025-01-24 | transcript ec9ac15d-4a32-4374-b62f-1c713fe9fd1a | chars 22543-22953 | segment 22

We continue to execute on cost savings from the acquisitions and maintain vigilance on overall expense management. We are now close to achieving the lower end of our cost savings estimate and anticipate achieving it by the end of the year.

Jul 25, 2024 / receipt, needs a key / Craig Nix, CFO | earnings call 2024-07-25 | transcript bfb34cdf-2cc1-4126-9e95-af15689c4d9a | chars 10296-10535 | segment 10

Starting on page five, despite a volatile external market, we've delivered another solid quarter of financial results marked by strong revenue growth and disciplined expense management.

Oct 26, 2023 / receipt, needs a key / Frank Holding, CEO | earnings call 2023-10-26 | transcript a0abd4e0-482c-4d65-b110-967d53fff7e5 | chars 1734-1919 | segment 1

Strong expense management and discipline will remain a significant focus for us moving forward.

Oct 26, 2023 / receipt, needs a key / Craig Nix, CFO | earnings call 2023-10-26 | transcript a0abd4e0-482c-4d65-b110-967d53fff7e5 | chars 11914-12009 | segment 11

(1) Primarily includes per diem railcar operating lease rental income earned on a time or mileage usage basis. (2) Includes revenue related to insurance coverage on leased equipment and leased equipment property tax reimbursements due from customers.

filing / Aug 7, 2026 / receipt

Evolving macroeconomic and social conditions (including the shift to hybrid work arrangements) may result in changes for general office demand moving forward.

filing / Aug 7, 2026 / receipt

(1) Primarily includes per diem railcar operating lease rental income earned on a time or mileage usage basis. (2) Includes revenue related to insurance coverage on leased equipment and leased equipment property tax reimbursements due from customers.

filing / Aug 7, 2026 / receipt

Evolving macroeconomic and social conditions (including the shift to hybrid work arrangements) may result in changes for general office demand moving forward.

filing / Aug 7, 2026 / receipt

(1) Primarily includes per diem railcar operating lease rental income earned on a time or mileage usage basis. (2) Includes revenue related to insurance coverage on leased equipment and leased equipment property tax reimbursements due from customers.

filing / May 8, 2026 / receipt

Evolving macroeconomic and social conditions (including the shift to hybrid work arrangements) may result in changes for general office demand moving forward.

filing / May 8, 2026 / receipt

(1) Primarily includes per diem railcar operating lease rental income earned on a time or mileage usage basis. (2) Includes revenue related to insurance coverage on leased equipment and leased equipment property tax reimbursements due from customers.

filing / May 8, 2026 / receipt

Evolving macroeconomic and social conditions (including the shift to hybrid work arrangements) may result in changes for general office demand moving forward.

filing / May 8, 2026 / receipt