The GuarantorJuly 2035Issue 08Elvira MontanezFinance leaders, practical technology and the decisions shaping a more resilient year.YEAR IN REVIEW / SITWELL FINANCIAL / LARS ERIKSON 1

Contents611913Elvira MontanezOpinion: Banking BluesBody of WorkPop Bridge StudiosElvira Montanez on leadership, risk and finding opportunity in uncertain markets.A clear-eyed look at banking pressure and what customers need next.Inside the teams turning specialist knowledge into work with wider impact.How Pop Bridge Studios built a focused culture while growing quickly.1519Workplace of the MonthApp SpotlightWorkplaces designed around attention, flexibility and useful collaboration.The app simplifying complex financial decisions without hiding the details.2

The Guarantor123 Anywhere St. Any City ST 12345 www.reallygreatsite.com hello@reallygreatsite @reallygreatsiteElvira MontanezJackson Davis, Lillian Pratt, Sharlene Rose, Tristan CloussoFrancois Mercer, Francisco Andrade, Jin Ae Soo.Phyllis Schwaiger, Noah Schumacher, Aaron Loeb, Rosa Maria AguadoWendy SalinasTheodore Lewitz Phyllis Schwaiger Aaron Loeb Noah Schumacher Margarita PerezEDITOR-IN-CHIEFART DIRECTORSPHOTOGRAPHERSCONTRIBUTING WRITERSMANAGING EDITORCONTENT DIRECTORContributorsPhyllis Schwaiger writes about financial services, technology and responsible growth. Aaron Loeb is a business journalist covering leadership, markets and operational change. Noah Schumacher reports on workplace culture, product strategy and digital systems. Margarita Perez studies consumer finance and the services making complex choices clearer. 3

EditorThis year-in-review issue looks beyond the headline numbers to the decisions that built resilience. We meet leaders balancing growth and risk, examine new financial tools and explore how strong workplaces help people do focused work.Across every feature, the message is practical: define the problem, measure the outcome and make ownership visible. Durable progress comes from clear choices repeated consistently.“Trust grows when financial decisions are clear, consistent and easy to explain.”Letter from the4

Across every feature, the message is practical: define the problem, measure the outcome and make ownership visible. Durable progress comes from clear choices repeated consistently.EDITOR-IN-CHIEFCarly Ferris5

MONTANEZBy Margarita Perez Photography by Francois MercerElvira6

Financial institutions are rebuilding trust through clearer products, faster service and better communication. The strongest teams explain costs and trade-offs plainly while giving customers useful control over the decisions that affect them.Risk management works best when it is connected to daily decisions. Shared measures, named owners and regular scenario reviews help leaders respond early without treating every change as a crisis.branding for your entire magazine. What style are you going for? Is it playful? Classic? Bold? A good masthead captures the essence of your magazine, so it needs to be flexible, meaningful, and consistent enough for future issues.AThe strongest financial leaders pair long-term judgement with a clear view of what customers need today. 7

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BodyofWorkBy Margarita Perez Photography by Francois MercerTechnology creates lasting value when teams understand the problem before choosing the tool.Here, you can place a caption for the photo. It can be a short description or it can credit the production team. 9

Technology delivers value when it removes friction from a specific task. Secure data access, thoughtful automation and clear human oversight can make complex financial work faster without making it harder to understand.“Innovation compounds when teams can test quickly, learn honestly and share what works.”A strong workplace supports different kinds of attention. Quiet spaces, purposeful meetings and flexible routines help people move between concentrated work and collaborative problem- solving with less friction.Pop Bridge Studios grew by protecting a clear creative and commercial focus. Smaller teams, shared goals and disciplined project choices allowed the company to scale without losing the qualities clients valued most.Financial institutions are rebuilding trust through clearer products, faster service and better communication. The strongest teams explain costs and trade-offs plainly while giving customers useful control over the decisions that affect them.10

BANKING BluesRisk management works best when it is connected to daily decisions. Shared measures, named owners and regular scenario reviews help leaders respond early without treating every change as a crisis.Technology delivers value when it removes friction from a specific task. Secure data access, thoughtful automation and clear human oversight can make complex financial work faster without making it harder to understand.A resilient workplace makes room for focused thinking, honest feedback and useful collaboration.By Margarita Perez Photography by Francois Mercer 11

A strong workplace supports different kinds of attention. Quiet spaces, purposeful meetings and flexible routines help people move between concentrated work and collaborative problem- solving with less friction.Pop Bridge Studios grew by protecting a clear creative and commercial focus. Smaller teams, shared goals and disciplined project choices allowed the company to scale without losing the qualities clients valued most.and adding them to your layout, list down all the titles to set up your table of contents. You can add a brief description for each article or keep it simple and paste the feature titles on the page. Don't forget your page numbers too!A pull quote is an impactful quote taken from the article. You can place the quote you want to highlight here.12

Sound Investment :POP BRIDGE STUDIOSBy Carly Ferris Photography by Hannah Morales 13

The strongest financial leaders pair long-term judgement with a clear view of what customers need today.Financial institutions are rebuilding trust through clearer products, faster service and better communication. The strongest teams explain costs and trade-offs plainly while giving customers useful control over the decisions that affect them. Risk management works best when it is connected to daily decisions. Shared measures, named owners and regular scenario reviews help leaders respond early without treating every change as a crisis. Technology delivers value when it removes friction from a specific task. Secure data access, thoughtful automation and clear human oversight can make complex financial work faster without making it harder to understand. A strong workplace supports different kinds of attention. Quiet spaces, purposeful meetings and flexible routines help people move between concentrated work and collaborative problem- solving with less friction. A 14

Tonnes FinancialWorkplace of the Month:By Phyllis SchwaigerPhotography by Jin Ae Soo1315

Pop Bridge Studios grew by protecting a clear creative and commercial focus. Smaller teams, shared goals and disciplined project choices allowed the company to scale without losing the qualities clients valued most. Financial institutions are rebuilding trust through clearer products, faster service and better communication. The strongest teams explain costs and trade-offs plainly while giving customers useful control over the decisions that affect them.“Trust grows when financial decisions are clear, consistent and easy to explain.” 16

Technology creates lasting value when teams understand the problem before choosing the tool.17

Risk management works best when it is connected to daily decisions. Shared measures, named owners and regular scenario reviews help leaders respond early without treating every change as a crisis. Technology delivers value when it removes friction from a specific task. Secure data access, thoughtful automation and clear human oversight can make complex financial work faster without making it harder to understand.“Innovation compounds when teams can test quickly, learn honestly and share what works.” 18

App SpotlightBy Margarita Perez Photography by Francois MercerA resilient workplace makes room for focused thinking, honest feedback and useful collaboration. 19

Item 1 Item 2 Item 3 0 5 10 15 20Title of the infographic goes hereTitle of the infographic goes herePlace a short description of the infographic here.Place a short description of the infographic here.A strong workplace supports different kinds of attention. Quiet spaces, purposeful meetings and flexible routines help people move between concentrated work and collaborative problem- solving with less friction.Pop Bridge Studios grew by protecting a clear creative and commercial focus. Smaller teams, shared goals and disciplined project choices allowed the company to scale without losing the qualities clients valued most.The strongest financial leaders pair long-term judgement with a clear view of what customers need today.Financial institutions are rebuilding trust through clearer products, faster service and better communication. The strongest teams explain costs and trade-offs plainly while giving customers useful control over the decisions that affect them.Risk management works best when it is connected to daily decisions. Shared measures, named owners and regular scenario reviews help leaders respond early without treating every change as a crisis.Item 1 20% Item 2 20% Item 3 20% Item 4 20% Item 5 20%20

My Money App is paving the way for sustainable personal finance, with 8 out of 10 users on board. 21

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A consistent grid keeps headlines, body copy and imagery clear while allowing each feature to develop its own rhythm.Behind the IssueHOW IT COMES TOGETHERFinal proofs are reviewed for copy, colour, image quality and production accuracy.Issue Production R01Every issue begins with a clear editorial theme, a focused story list and a shared visual direction.DocumentCommissioning PlanningView settings02Editors refine the grid, test pacing and balance long reads with strong visual moments before pages move into proofing.Columns SpacingMargins Print checks 25

Concept and commissioningPhotography and stylingEditing and productionSTORY DEVELOPMENT Writers and editors shape each feature around a clear question, useful context and a distinctive point of view.VISUAL DIRECTION Photography, illustration and typography are planned together to create a cohesive pace across the issue.FINAL PRODUCTION Copy, colour and image files are checked carefully before the magazine is prepared for print and digital release.A consistent grid keeps headlines, body copy and imagery clear while allowing each feature to develop its own rhythm.Behind the IssueHOW IT COMES TOGETHERFinal proofs are reviewed for copy, colour, image quality and production accuracy. 26