We remain focused on prudent expense management.

Oct 23, 2025 / receipt, needs a key / Brian, other | earnings call 2025-10-23 | transcript eba00920-a8b4-4664-98cf-b58e8c5437b7 | chars 3255-3303 | segment 3

Fourth, non-interest expense decreased $746,000, or 1.5% compared to the first quarter of 2024, as we continue to have prioritized prudent expense management.

Apr 24, 2025 / receipt, needs a key / Brian Richardson, CFO | earnings call 2025-04-24 | transcript 69bab406-afa7-44f7-8163-870be48361f9 | chars 4572-4730 | segment 4

Fourth, non-interest expense decreased $436,000 or 0.9% compared to the third quarter of 2023. This reflects the continued benefit of the various expense reduction strategies we deployed during 2023 and our ongoing commitment to prudent expense management.

Oct 24, 2024 / receipt, needs a key / Brian Richardson, CFO | earnings call 2024-10-24 | transcript 9d751b63-a12f-4291-b637-3bc991c1ba8e | chars 5395-5651 | segment 5

Increase use of digital properties

ir_statement / Sep 15, 2026 / receipt

Leverage investments in technology and process enhancements to drive efficiencies

ir_statement / Sep 15, 2026 / receipt

Proactively addressed continued reduction in transactional volume by closing 23 financial centers and 4 retirement centers since September 2015

ir_statement / Sep 15, 2026 / receipt

Reinvesting savings in our digital solutions and expanded operating footprint

ir_statement / Sep 15, 2026 / receipt