Terry Ma

“Maybe just to follow up on the margin outlook for 2027, how should we think about the ability to sustain title margins around this level, you know, if residential gets worse and some of the momentum and commercial kind of softens?”

“And then just on Agenda Commerce, can you just talk about what the ultimate opportunity is for Synchrony? Is it primarily about protecting your existing position at checkout, or is there an opportunity to expand and acquire customers outside traditional channels?”

“Just want to get your latest thoughts on credit. I think, Nathan, last quarter you called out a 10 to 15 basis point year-over-year increase and the delinquency rate is, consistent with credit normalization.”

“Can you maybe just give a little bit more color on your net card fee growth guidance in the back half this year, kind of what's contemplated in that, whether it's just from a step up of the annual fee from the back book, or are you contemplating more acquisitions?”

“And maybe just on the deposit growth, can you maybe just expand on some of the comments and maybe for this service Mac piece, how sustainable is that above average kind of deposit inflow?”