John Campbell | Director of Investor Relations |
Charles Scharf | President and Chief Executive Officer |
Michael Santomassimo | Senior Executive Vice President and Chief Financial Officer |
Betsy Graseck | Morgan Stanley |
Steven Chubak | Wolfe Research, LLC |
Kenneth Usdin | Jefferies LLC |
John Pancari | Evercore ISI |
Gerard Cassidy | RBC Capital Markets |
Matthew O'Connor | Deutsche Bank AG |
Vivek Juneja | JPMorgan Chase & Co. |
David Long | Raymond James & Associates, Inc. |
Ebrahim Poonawala | Bank of America Merrill Lynch |
John McDonald | Autonomous Research LLP |
Good morning. My name is Regina, and I will be your conference operator today. At this time, I would like to welcome everyone to the Wells Fargo Second Quarter 2021 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.