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 |
Ken Usdin | Jefferies |
Mike Mayo | Wells Fargo Securities |
Bill Carcache | Wolfe Research |
Gerard Cassidy | RBC |
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.