Anthony Albert Elian

“On deposit costs, can you give us a bit more color on what you're seeing on competition? I think last quarter you mentioned you saw more competition towards the end of the quarter and that new money rates started in the 240 range and ended at 3%.”

“Jamie, on the outlook, the drivers of the 2-3 basis point sequential increase in NIM and 2Q, could you help us unpack that a little bit? What's driving that in the range for a full year moving higher, and is that entirely coming from no rate cuts this year?”

“Ken, your earlier comment on accelerating some deposits out of the company, I don't think I've heard that before, right, for a company that has grown as fast as you do.”

“Last quarter, you pointed to a slight tick up in deposit costs and you saw a five basis point increase on average in 2Q. Would the pace of deposit cost increases in the second half be higher than the increase you saw in 2Q given where the spot rate is now and your earlier comments on 3Q and 4Q being the most…”

“On deposits, Jamie, how are you thinking about balances in 1Q? If I look at your past couple of 1Qs, you typically see a seasonal decline.”