Jeffrey Adelson

“I guess just given the current market environment, obviously that's why you're taking the EPS guide down. Can you just help us understand how much of a whole loan sale you were thinking originally was going to be in this year, in the back half of the year?”

“I just wanted to focus on the RSA a bit. It did step down a bit more than we were expecting this quarter, I think, and especially it was notable in light of the better operating and credit results you put up this quarter.”

“I was hoping you could maybe talk about the competitive state of the market today. Are you seeing any market share come your way, perhaps given a bit of a tougher backdrop out there and some pressures on your larger peers?”

“I just wanted to circle back on the loan yield question real quickly. I think we looked at some of the typical seasonal trends you've seen historically. It didn't seem like the second quarter tended to be down that much.”

“Kicking off the 17th annual financials conference here at Morgan Stanley is Synchrony Financial. Before we get into that, just a few stats. We have 136 participating companies this year.”