“We would expect high-single digits there, given strength we've had in foreign exchange, derivatives, the fixed income, capital markets, loan syndication has all been performing very well for us.”

In context

“processing, we've put a lot of investment in there. There's a lot of technology-led advancements that we've made in terms of connections and certainly some MUB synergies. And so, we continue to expect high-single digits in terms of revenue growth there. The same would be said for corporate payments, we think high-single digits, given the amount of T&E growth and client growth and all that sort of thing that we see. And then, on the card side of things, we've seen a very nice margin expansion. MUB certainly helps. And holiday sales have been -- were certainly helpful this past quarter, but we see that extending, and so we think mid-single digits from that standpoint. I would also reiterate, we've had really very nice growth in the commercial product side. We've had -- particularly in 2023. We would expect high-single digits there, given strength we've had in foreign exchange, derivatives, the fixed income, capital markets, loan syndication has all been performing very well for us. Our trust investment management fee also should experience growth led by our institutional service businesses and Corporate Trust and Fund Services, and certainly in wealth management, some of the fees associated with that. But one thing I would point out though in terms of service charges, we have exited our ATM cash servicing business and that was a business we decided to exit just given the high level of capital related to it in terms of intensity and investment. And so, that will impact us by about $30 million to $35 million per quarter, starting in the first quarter. Ebrahim Poonawala: Thank you so much. Operator: Your next question comes from the line of John Pancari with Evercore ISI. Your line is open. John Pancari: Good morning. John Stern: Good morning. John Pancari: John, thank”