...Good morning everyone and welcome to the annual shareholders meeting of Fifth Third Bancorp. I'm calling the meeting to order at 11:30 AM. This is Tim Spence, Chairman, CEO, and President of Fifth Third Bancorp, and it is my pleasure to preside today. We are holding this meeting virtually, which enables broad shareholder attendance and participation. Our shareholders, directors, auditors, and executive officers are attending today in conference. The agenda and regulations for conduct of this meeting are available on the annual meeting website used to access this conference. I would now like to introduce the other members of the Board of Directors who are here with us in conference today. Nick Aikins, Evan Bayh, Jorge Benitez, Katie Blackburn. Emerson Brumback, Linda Clement Holmes, Brian Daniels, Laurent Desmangles, Mitch Figer, Thomas Harvey, Gary Hemminger. Eileen Mallesch, Michael McAllister, Kathy Rogers, and Marcia Williams. George Fackler and Mark [Metty]from the accounting firm of...