Third Quarter 2025 Earnings Conference Call October 28, 2025 Louis J. Torchio T.K. Creal President and Chief Executive Officer Chief Credit Officer The information contained in this presentation may contain forward-looking statements. When used or incorporated by reference in disclosure documents, the words "believe," "anticipate," "estimate," "expect," "project," "target," "goal" and similar expressions are intended to identify forward-looking statements within the meaning of section 27A of the Securities ...