|Bryan Gill||Director of Investor Relations|
|Bill Demchak||Chairman, President and CEO|
|Rob Reilly||Executive Vice President and CFO|
|Betsy Graseck||Morgan Stanley|
|Scott Siefers||Piper Sandler|
|Mike Mayo||Wells Fargo Securities|
|Bill Carcache||Wolfe Research|
Good morning. My name is Kathy, and I will be your conference operator today. At this time, I would like to welcome everybody to the PNC Financial Services Group Earnings Conference Call [Operator Instructions] As a reminder, this call is being recorded. I would now turn the call over to Director of Investor Relations, Mr. Bryan Gill.