Jen Thompson | Director of Investor Relations & Economic Analysis |
Andy Cecere | Chairman, President & Chief Executive Officer |
Terry Dolan | Vice Chair & Chief Financial Officer |
Betsy Graseck | Morgan Stanley |
John Pancari | Evercore ISI |
John McDonald | Autonomous Research |
Scott Siefers | Piper Sandler |
Erika Najarian | Bank of America |
Matt O'Connor | Deutsche Bank |
Ken Usdin | Jefferies |
Mike Mayo | Wells Fargo |
Vivek Juneja | JPMorgan |
Bill Carcache | Wolfe Research |
Gerard Cassidy | RBC |
Welcome to U.S. Bancorp's Fourth 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 PM Eastern, through Wednesday, February the 3, 2021 at 12:00 midnight Eastern. I will now turn the conference call over to Jen Thompson, Director of Investor Relations and Economic Analysis for U.S.