Jen Thompson | Director of Investor Relations and Economic Analysis |
Andy Cecere | Chairman, President and Chief Executive Officer |
Terry Dolan | Vice Chair and Chief Financial Officer |
Gerard Cassidy | RBC Capital Markets |
Betsy Graseck | Morgan Stanley |
John Pancari | Evercore ISI |
Ebrahim Poonawala | Bank of America |
Scott Siefers | Piper Sandler |
Ken Usdin | Jefferies |
Matt O'Connor | Deutsche Bank |
Mike Mayo | Wells Fargo Securities |
Vivek Juneja | JPMorgan |
Bill Carcache | Wolfe Research |
Welcome to U.S. Bancorp's Third Quarter 2021 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 10 AM Central Time through Thursday, October 21, 2021 at 10:59 PM Central Time. I will now turn the conference call over to Jen Thompson, Director of Investor Relations and Economic Analysis for U.S.