...Hello and thank you for joining us for US Bancorp's 2025 Annual Meeting of Shareholders. I'm Andy Cecere, Chairman and CEO of US Bancorp. I'm joined today by Gunjan Kedia, Company President and Incoming CEO; and Kathryn Purdom, our Deputy General Counsel and Corporate Secretary who will serve as Secretary for the meeting. Also in attendance today are members of our Board of Directors and Managing Committee and [Grant Haynes] from Ernst & Young, US Bancorp's independent auditor. We have important company updates to share today and necessary business to conduct, so I will call the meeting to order. Our first order of business today is shareholder voting, which Kathryn will lead us through in a couple of minutes. Gunjan will provide this year's management report, and we will have a formal question-and-answer session at the end of our time together. If you have questions during the call today, you may ask them via this website if you've logged in into the meeting using your control number....
