We will continue to focus on operational execution, expense management, and NIM to drive results.

Apr 24, 2024 / CEO / receipt, needs a key / John Witter, CEO | earnings call 2024-04-24 | transcript c3c6f747-2e65-41e4-8e82-ca03c2e820ea | chars 11586-11683 | segment 11

We believe that meaningful origination expansion coupled with loan sales to moderate growth and a steadfast focus on expense management will allow for both organic earnings growth and generous capital return to shareholders.

Jan 24, 2024 / CEO / receipt, needs a key / John Witter, CEO | earnings call 2024-01-24 | transcript 30300e7f-1dc0-4ab4-8d57-09ad0dcd4d92 | chars 11887-12111 | segment 12