Bernard Von Giske

“Maybe just on expenses from here, how do we think about maybe whether it's a quarterly run rate for the rest of the year or how to think about it just from here until the end of the year, just given some of the lumpy M&A-related costs, which I believe they're non-recurrent that you've highlighted.”

“Maybe just following up on non-interest-bearing deposits, you know, I'm just curious that, you know, most of the growth there, the $1.1 billion year-over-year, and then, you know, the decline, $310 million sequentially, was there growth from new customer acquisitions within the consumer gold account?”

“I know you mentioned the $82 million charge-off to First Brands and represents all your exposure there, but can you just share any information on any additional monitoring you might have conducted throughout that portfolio?”

“Could you just talk to what the exit rate for the margin could be in 4Q if rates on the short end remain unchanged versus if we get two rate cuts by the end of the year or the one assumed in your baseline forecast?”

“Just on the 2025 outlook, you know, the range of the 6.6 to 7 billion for net interest income, could you just walk us through the assumptions on the low and then the high end of the range?”