John Buran

“Good morning, and thank you all for joining us on our third quarter 2025 earnings conference call.”

“Good morning, and thank you for joining us for our first quarter 2025 operating results conference call.”

“Good morning, and thank you for joining us for our fourth quarter and full-year 2024 operating results conference call. I want to extend a special thank you to our Asian customers who are celebrating Lunar New Year.”

“The operating environment in the third quarter was improved but remained challenging. We're encouraged by the recent 50 basis point reduction by the Fed as we hope this leads to the yield curve at least flattening, potentially regaining a positive slope.”

“And thank you for joining us for our second quarter 2024 earnings call. The operating environment in the second quarter was highlighted by similar themes that have impacted the industry and our markets for the past couple of quarters.”