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Operator: Hello, everyone. And welcome to the First Horizon Fourth Quarter 2023 Earnings Conference Call. My name is Bruno, and I’ll be operating your call today.

Michael roseSusan springfieldNatalie flandersBryan jordanRaymond jamesJon arfstromFirst horizon corpFirst horizon corporationCall transcript januaryHorizon corporationFirst horizon fourth quarterChief financial officerHope dmuchowskiChief credit officerMedical doctorInvestor day