As Rob and I both indicated earlier, a large majority of the expense growth related to the wholesale transformation and infrastructure build is behind us. We, of course, have additional investments already in flight, but we expect to begin realizing operating efficiencies as we enter the year executing within our target model.

Jan 19, 2023 / receipt, needs a key / Matt, CFO | earnings call 2023-01-19 | transcript 88ce85c0-3a52-42d3-9bb3-4039bf76d35f | chars 43298-43626 | segment 42

As I indicated earlier, in addition to RDM flight investments, we're pulling forward expenses related to planned infrastructure build and expect full-year non-interest expense growth of mid-teens.

Oct 20, 2022 / receipt, needs a key / Matt, CFO | earnings call 2022-10-20 | transcript 1cd552f9-974a-4d34-8e51-c047a5ae41e8 | chars 24349-24545 | segment 24

As I indicated earlier, in addition to already in-flight investments, we will also look for opportunities to pull forward expenses related to planned infrastructure build and expect full year non-interest expense growth in the low to mid double digits percent range.

Jul 21, 2022 / receipt, needs a key / Matt, other | earnings call 2022-07-21 | transcript 0c456e13-167c-413b-9f47-6a4646070bc1 | chars 22779-23045 | segment 23

reflecting sustained investments in client facing capabilities

ir_statement / Sep 16, 2026 / receipt

Financial Relationship Consultant | {"ats": "workday", "city": "Plano", "state": "TX", "job_id": "/job/Plano-TX/Financial-Relationship-Consultant_JR106052", "remote": false, "category": "finance_ops",

company_statement / Sep 15, 2026 / receipt

Client Service Officer | {"ats": "workday", "city": "Richardson", "state": "TX", "job_id": "/job/Richardson-TX/Client-Service-Officer_JR106049", "remote": false, "category": "other", "function": "othe

company_statement / Sep 15, 2026 / receipt

Credit Delivery Analyst | {"ats": "workday", "city": "Richardson", "state": "TX", "job_id": "/job/Richardson-TX/Credit-Delivery-Analyst_JR106016", "remote": false, "category": "other", "function": "ot

company_statement / Sep 15, 2026 / receipt

Business Enablement Analyst | {"ats": "workday", "city": "Dallas", "state": "TX", "job_id": "/job/Dallas-TX/Business-Enablement-Analyst_JR105951", "remote": false, "category": "other", "function": "ot

company_statement / Sep 14, 2026 / receipt

Treasury Support Sr Specialist | {"ats": "workday", "city": "Richardson", "state": "TX", "job_id": "/job/Richardson-TX/Treasury-Support-Sr-Specialist_JR106026", "remote": false, "category": "finance_o

company_statement / Sep 12, 2026 / receipt

Senior Financial Center Manager | {"ats": "workday", "city": "Austin", "state": "TX", "job_id": "/job/Austin-TX/Senior-Financial-Center-Manager_JR106035", "remote": false, "category": "finance_ops", "

company_statement / Sep 11, 2026 / receipt

Consumer Small Business Product Manager | {"ats": "workday", "city": "Richardson", "state": "TX", "job_id": "/job/Richardson-TX/Consumer-Small-Business-Product-Manager_JR105997", "remote": false, "cat

company_statement / Sep 11, 2026 / receipt

Sr Portfolio Manager - Middle Market | {"ats": "workday", "city": null, "state": null, "job_id": "/job/Austin-TX/Sr-Portfolio-Manager---Middle-Market_JR106031", "remote": false, "category": "other", "

company_statement / Sep 10, 2026 / receipt

Capital Markets Analyst | {"ats": "workday", "city": "Dallas", "state": "TX", "job_id": "/job/Dallas-TX/Capital-Markets-Analyst_JR105990", "remote": false, "category": "other", "function": "other", "l

company_statement / Sep 10, 2026 / receipt

RM Mortgage Finance | {"ats": "workday", "city": "Dallas", "state": "TX", "job_id": "/job/Dallas-TX/RM-Mortgage-Finance_JR106019", "remote": false, "category": "finance_ops", "function": "other", "loc

company_statement / Sep 10, 2026 / receipt

Workplace Services Manager | {"ats": "workday", "city": "Dallas", "state": "TX", "job_id": "/job/Dallas-TX/Workplace-Services-Manager_JR106034", "remote": false, "category": "other", "function": "othe

company_statement / Sep 10, 2026 / receipt