John Campbell | Director, IR |
Charlie Scharf | CEO |
Mike Santomassimo | CFO |
John McDonald | Autonomous Research |
Betsy Graseck | Morgan Stanley |
Ken Usdin | Jefferies |
Steven Chubak | Wolfe Research |
Scott Siefers | Piper Sandler |
Brian Kleinhanzl | KBW |
Matt O'Connor | Deutsche Bank |
John Pancari | Evercore ISI |
David Long | Raymond James |
Gerard Cassidy | RBC |
Erika Najarian | Bank of America |
Vivek Juneja | JP Morgan |
Good morning. My name is Katherine, and I will be your conference operator today. At this time, I’d like to welcome everyone to the Wells Fargo Fourth Quarter 2020 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.