“And the last one I'd mention is around Unicredit, which is something which will happen over multiple years.”

In context

“or others, the timing on when they come on and any others out there? Sachin Mehra: Sure, Brian. So on Citizens, the portfolio transition is on track for 2024. You should expect that that will take place over a period of time as opposed to a flip-the-switch kind of environment. Webster, we just announced, which we're super excited about, right? And the portfolio transition will also begin in 2024 and will take place over a period of time. Santander is done. NatWest I already spoke about. The other one, actually, which I kind of point out is Deutsche Bank, right? And there we had talked about conversion of 10 million cards. That conversion has started. It's a combination of debit and credit. It will happen over an extended period of time. Again, it's not a flip-the-switch kind of scenario. And the last one I'd mention is around Unicredit, which is something which will happen over multiple years. So this is not, and when I say multiple years, I literally mean you'll start in 2024 and this will work its way through over a few years. So that's what I can share with you in terms of at least the chunky ones. Obviously, there are a bunch of other portfolios which we went, all the time, but these are the bigger ones. Bryan Keane: Thank you. Sachin Mehra: Sure. Operator: Our next question comes from Tim Chiodo at UBS. Tim Chiodo: Great. Thank you for taking the question. I just wanted to take this as an opportunity to revisit some of the mechanics around rebates and incentives. If you could just provide a recap on the portions of rebates and incentives that are volume and performance-based, some of the portions that are maybe more fixed, and then the portions that are more cumulative ove”