Group 1 - The Federal Reserve Board approved Steel Newco, Inc.'s application to become a bank holding company by merging with Synovus Financial Corporation and Pinnacle Financial Partners [1] - As a result of the merger, Steel Newco will indirectly acquire Synovus Bank and Pinnacle Bank [1] - The Board also approved the merger of Pinnacle Bank with Synovus Bank, allowing Pinnacle Bank to remain a state member bank under Federal Reserve supervision [2] Group 2 - Pinnacle Bank received approval to establish and operate branches at the locations of Synovus Bank [2]

Core Insights - Five9 announced the winners of the 2025 New Era of CX Awards, recognizing organizations that are innovating customer and employee experiences through AI and automation [1][2] - The awards highlight achievements in seven categories, showcasing how companies are leveraging the Five9 Intelligent CX Platform to enhance customer interactions and drive business outcomes [2] Award Categories and Winners - **AI Elevated CX Trailblazer**: Northwestern Mutual achieved a 94% CSAT accuracy rate and improved operational efficiency through AI Insights and Agent Assist [4] - **Best in CX Self Service**: The Dufresne Group increased CSAT from 60% to 95% by implementing Five9 IVAs, enhancing customer self-service and agent interactions [4] - **Best CX Platform Innovator**: SONDA's Help Desk 2.0 integration with Five9 led to a 27% rise in agent productivity across LATAM [4] - **Most Trusted Expert Award**: Christian Healthcare Ministries reduced call abandonment from 10.1% to 1.8% by modernizing member engagement with Five9 [4] - **Revenue Execution Impact**: Omaha Steaks utilized Five9 SecurePay to protect millions in revenue and scale agent operations from 200 to 1,500 during peak season [4] - **CX Leader of the Year**: Synovus Bank transformed its contact center, reducing call abandonment rates from 31% to 7% and improving wait times from 6:53 to 1:26 [4] - **Judges' Choice**: BTG Pactual created a high-performance CX ecosystem by combining AI orchestration with human expertise [4] Company Overview - Five9 provides the Intelligent CX Platform, empowering organizations to create AI-driven customer experiences that yield better business outcomes [5] - The platform is trusted by over 3,000 customers and 1,400 partners globally, emphasizing its role in enhancing customer engagement [5]

Core Viewpoint - CTO Realty Growth, Inc. successfully closed $150 million in term loan financing, enhancing liquidity and extending debt maturity profile [1][2] Financing Details - The financing includes a new $125 million term loan due September 2030 and a $25 million upsizing of the existing term loan due September 2029 [1] - Proceeds from the financing were used to retire a $65 million term loan due March 2026 and to reduce the balance on the revolving credit facility [1] Interest Rate Information - Both term loans bear interest at SOFR plus a spread based on the Company's leverage ratio, with an initial fixed interest rate of approximately 4.2% [3] - The interest rate for both loans is expected to adjust to approximately 4.7% in March 2026 when certain SOFR swap agreements mature [3] Lender Information - The 2030 Term Loan was provided by a syndicate of banks led by KeyBank National Association, with other participating banks including PNC Bank, Regions Bank, and Wells Fargo Bank [4]