Charles Scharf | Chief Executive Officer |
John Campbell | Director of Investor Relations |
Michael Santomassimo | Chief Financial Officer |
Scott Siefers | Piper Sandler |
Ken Usdin | Jefferies |
Steven Chubak | Wolfe Research |
John McDonald | Autonomous Research |
Ebrahim Poonawala | Bank of America |
John Pancari | Evercore ISI |
Matt O'Connor | Deutsche Bank |
Gerard Cassidy | RBC |
Betsy Graseck | Morgan Stanley |
Vivek Juneja | JPMorgan |
Welcome and thank you for joining the Wells Fargo Third Quarter 2021 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question-and-answer session. [Operator Instructions] Please note that today's call is being recorded. I would now like to turn the call over to John Campbell, Director of Investor Relations.