Moshe Orenbuch

“And I wanted to also just talk a little bit about credit performance, you know, obviously a pretty hot topic. um and you know it was encouraging that you kept you know the high end of your charge off guide range where it was um but anything that you know kind of approaches credit kind of gets gets uh people a little…”

“Maybe just another shot at a similar idea, not in terms of a forecast, but, you know, you, Brian Wenzel, you did talk about the impact of, you know, lower late fees in the first half of this year.”

“So, you know, we are not in a race to drive it down as quickly as possible to any specific number, but hopefully that gives you a sense of how we're thinking about capital. next question please our next question comes from darren fellow with wolf research you may proceed hey guys thank you um look it looks like you…”

“I was hoping to talk a little bit in more detail about the retail auto credit, both performance and outlook. I mean, clearly you've got, you know, the current performance of the consumer and I guess in the spirit of being dynamic, you know, today is probably a better day to look at that going forward.”

“I was hoping to talk a little bit about, you know, credit quality. And you've definitely, you know, kind of called out that you expect credit to improve, I guess, more than seasonal patterns by the second half.”