|Bryan Gill||EVP, Director, IR|
|William Demchak||Chairman, President & CEO|
|Robert Reilly||EVP & CFO|
|Erika Najarian||Bank of America Merrill Lynch|
|John Pancari||Evercore ISI|
|Scott Siefers||Piper Sandler|
Good morning. My name is Dina, and I will be your conference operator for today. At this time, I would like to welcome everyone to the PNC Financial Services Group Earnings Conference Call.
All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer session.