Our expense management remains focused on driving positive operating leverage. both this year and over our long-range financial plan. As we have noted, we are executing disciplined cost efficiency programs that reduce baseline expenses and create the capacity to robustly grow investments in the business, even as we create overall positive operating leverage.

Oct 30, 2025 / CFO / receipt, needs a key / Zach Wasserman, CFO | earnings call 2025-10-30 | transcript 1e48fba0-87d6-47a5-b4bb-d76efcc9f106 | chars 11370-11730 | segment 11