David Rochester

“On the loan growth outlook, with your reeling in your expectations for CRE loan growth within that, which it sounds like is a driver for slowing, is that just a function of greater competitive pressures, or is it less activity given higher rates that you're expecting, or are you becoming somewhat concerned about…”

“I just wanted to start on the NII guide. the improvement there. I was curious what the impact was of the addition of the rate hike, which I think you said was in the third quarter.”

“Just maybe one quick on expenses on the guide. It looks like you would need to see a decrease from that 2-2 level in the back half of the year. And, Chris, you spoke to moderating comp expense going forward earlier.”

“Just back on loan growth, it looks like even if average loans are flat in 3-2 and 4-2 on a quarter-to-quarter basis, that you land near the middle of that average loan growth guide range for the low single digits.”

“I wanted to go back to the private bank. You've seen some really good momentum in that segment. It continues to exceed growth expectations.”