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Operator Ladies and gentlemen, thank you for standing by, and welcome to the Fifth Third Bancorp fourth-quarter 2020 earnings conference call. [Operator instructions] Please be advised that today s conference is being recorded. [Operator instructions] Thank you. I would now like to hand the conference over to your speaker today, Chris Doll, director of investor relations. Please go ahead. Director of Investor Relations Thank you, Melissa. Good morning and thank you for joining us. Today, we ll be discussing our financial results for the fourth quarter of 2020. Please review the cautionary statements and our materials, which can be found in our earnings release and presentation.

United statesJamie leonardGreg carmichaelRichard steinTim spenceGreg carmichael piper sandlerFifth third bancorpThird bancorpThird foundationChris dollFifth thirdPresident tim spenceChief credit officerGreenwich middle marketஒன்றுபட்டது மாநிலங்களில்ஜேமி லியோனார்ட்