Jen Thompson | Director, IR |
Andy Cecere | Chairman, President and CEO |
Terry Dolan | Vice Chairman and CFO |
Mark Runkel | Chief Credit Officer |
John Pancari | Evercore |
Bill Carcache | Wolfe Research |
Gerard Cassidy | RBC |
Erika Najarian | Bank of America |
Vivek Juneja | JPMorgan |
Peter Winter | Wedbush Securities |
Christopher Spahr | Wells Fargo |
Scott Siefers | Piper Sandler |
David Smith | Autonomous |
Welcome to the U.S. Bancorp’s Third Quarter 2020 Earnings Conference Call.
Following a review of the results by Andy Cecere, Chairman, President and Chief Executive Officer and Terry Dolan, Vice Chair and Chief Financial Officer, there will be a formal question-and-answer session. [Operator Instructions] This call will be recorded and available for replay beginning today at approximately 12:00 o'clock PM Eastern Time, through Wednesday, October 21, at 12 o'clock Midnight Eastern. I will now turn the conference over to Jen Thompson, Director of Investor Relations and Economic Analysis for U.S.