John Campbell | executive |
Charles Scharf | executive |
Michael Santomassimo | executive |
Steven Chubak | analyst |
John McDonald | analyst |
Kenneth Usdin | analyst |
Robert Siefers | analyst |
Ebrahim Poonawala | analyst |
L. Erika Penala | analyst |
John Pancari | analyst |
Gerard Cassidy | analyst |
Matthew O'Connor | analyst |
David Rochester | analyst |
Manan Gosalia | analyst |
Welcome, and thank you for joining the Wells Fargo Fourth Quarter 2023 Earnings Conference Call. [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. Sir, you may begin the conference.
Good morning.