John McDonald

“I was hoping Steve could give a little bit of color on the correspondent capital markets income this quarter, you know, kind of what drove that down, and then also whether you can get back to kind of that $25 million guidance range you talked about previously.”

“And then just to follow up, maybe a modeling question on reserve build. The street was underestimating the provision a bit this quarter just on the reserve bill piece.”

“Gunjin mentioned the increased focus on growing net interest income and strengthening the margin. John, could you unpack some of the drivers of your NII outlook from here? including what you see ahead for loan growth and deposit trends?”

“I was hoping to kick off you could put your strong year-to-date results on ROTCE into context. You know, obviously you've got the 12.6 ROTCE for the year and 11 and a half this quarter.”

“Mike, I was hoping you could start off, maybe just repeat a little bit of the comments about the drivers of the net interest income growth you expect in the fourth quarter?”