Darlene Persons | Director of Investor Relations |
Curt Farmer | President, Chairman, and Chief Executive Officer |
Jim Herzog | Chief Financial Officer |
Melinda Chausse | Chief Credit Officer |
Peter Sefzik | Executive Director of Commercial Bank |
Chris McGratty | KBW |
John Pancari | Evercore ISI |
Ebrahim Poonawala | Bank of America |
Anthony Elian | JP Morgan |
Gary Tenner | D.A. Davidson |
Bill Carcache | Wolfe Research |
Jon Arfstrom | RBC Capital Markets |
Peter Winter | Wedbush Securities |
Steve Moss | B. Riley Securities |
Good day and thank you for standing by. Welcome to the Comerica's Fourth Quarter 2021 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speaker's remarks, there will be a question-and-answer session. [Operator Instructions] I would now like to turn the conference over to Darlene Persons, Director of Investor Relations.