John Campbell | Director of Investor Relations |
Charlie Scharf | Chief Executive Officer and President |
John Shrewsberry | Chief Financial Officer |
John McDonnell | Autonomous Research |
Ken Usdin | Jefferies |
Erika Najarian | Bank of America |
Brian Kleinhanzl | KBW |
Marty Mosby | Vining Sparks |
Saul Martinez | UBS |
Gerard Cassidy | RBC |
Scott Siefers | Piper Sandler |
Betsy Graseck | Morgan Stanley |
Steven Chubak | Wolfe Research |
Matt O'Connor | Deutsche Bank |
John Pancari | Evercore |
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 Fourth Quarter 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 [Operator Instructions].