...A. We operate one of the largest Retail Banking franchise in the United States, $243 billion of low cost deposits, $97 billion in loans. B. And that organization, this collective organization has generated $15 billion of net revenue over the last 12 months. C. We serve 26 of the 30 largest US markets, including nine of the 10 fastest growing. D. And our coast-to-coast branch network puts us within easy reach of more than 40% of the US population. E. Over the last three years, we've grown our net revenue at a 14% compound annual growth rate driven by both net interest income and fee income. F. And during the same period, we've also lowered our direct expenses by nearly $300 million, resulting in a flat expense base and a significant improvement in our efficiency ratio. G. You can see we've evolved our branch network significantly over the last several years with more than 40% of our branches now in our fast-growing expansion markets, and that's up from less than 20% in 2018. H. In our branches,...
