John Campbell | Head, IR |
Charles Scharf | President, CEO & Director |
Michael Santomassimo | Senior EVP & CFO |
Scott Siefers | Piper Sandler & Co. |
Ken Usdin | Jefferies |
Erika Najarian | Bank of America Merrill Lynch |
Betsy Graseck | Morgan Stanley |
John Pancari | Evercore ISI |
David Long | Raymond James & Associates |
Matt O'Connor | Deutsche Bank |
Steven Chubak | Wolfe Research |
Saul Martinez | UBS Investment Bank |
John McDonald | Autonomous Research |
Vivek Juneja | JPMorgan Chase & Co. |
Charles Peabody | Portales |
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 First Quarter 2021 Earnings Conference Call. [Operator Instructions]. I would now like to turn the call over to John Campbell, Director of Investor Relations.