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<strong>Laurie Hunsicker</strong> — <em>Compass Aim — Analyst</em>

Hi, good early early morning, Rob. I simply wished to return to margin. Once more, i am aware you have talked a whole lot about any of it, but directionally, even as we have a look at simply the accretion earnings piece and I also’m thinking about reported margin. I simply desire to ensure that I have this apples-to-apples that are right because accretion earnings ended up being therefore big this quarter. Therefore if we are taking a look at it in the years ahead. Your reported margin simply maintaining in accordance with your remarks on your own core margin, you reported margin most likely will probably track in that the 3.45%. Therefore like high 3.40%s, 3.48%, 3.49% range, have always been we doing that the way that is right?

Robert Michael GormanExecutive Vice President and Chief Financial Officer

Yes, I started using it 3.45% to 3.50per cent according to core, that is right.

Laurie HunsickerCompass Aim — Analyst

Okay, perfect. I simply desire to make certain that right was got by me. Ok and then just a couple of things on costs right right here, simply particularly three line products seemed outsized, and I also wondered in the event that you may help us think of that around your feedback, the technology, the expert therefore the marketing.

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