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Operator Good morning, everyone, and welcome to Citizens Financial Group First Quarter 2021 Earnings Conference Call. My name is Alan, and I ll be your operator today. [Operator Instructions] Now I ll turn the call over to Kristin Silberberg, Executive Vice President, Investor Relations. Kristin, you may begin. Kristin Silberberg Executive Vice President, Investor Relations Thank you, Alan. Good morning, everyone, and thank you for joining us. First, this morning, our Chairman and CEO, Bruce Van Saun; and CFO, John Woods, will provide an overview of first quarter results, referencing our presentation, which you can find on our Investor Relations website. After the presentation, we ll be happy to take questions. Brendan Coughlin, Head of Consumer Banking, also here to provide additional color. Don McCree, Head of Commercial Banking, who usually joins us, had the personal conflict today.

Bruce van saunScott siefers piper sandlerKristin silberbergAmanda larsen jefferiesKen zerbe morgan stanleySaul martinezBrendan coughlinJohn pancariPeter winterMatt oconnorAmerica merrill lynchPiper sandlerKen zerbeDon mccreeJohn pancari evercoreScott siefers