Fifth Third Bancorp

Ladies and gentlemen, thank you for standing by and welcome to the fifth, third, fourth quarter 2020 earnings conference call. At this time, all participants are in a listening only mode. After the speaker's presentation, there will be a question and answer session. To ask a question during the session, you will need to press star one on your telephone. Please be advised that today's conference is being recorded. If you require any further assistance, please press star zero. Thank you. I would now like to hand the conference over to your speaker today, Chris Law, Director of Investor Relations. Please go ahead.

Thank you, Melissa. Good morning. 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. These materials contain reconciliations and non-GAAP measures, along with information pertaining to the use of non-GAAP measures, as well as forward-looking statements about Fifth Thirds performance. We undertake no obligation to and do not expect to update any such forward-looking guidance or statements after the date of this call.

This morning, I'm joined by our CDO, Greg Carmichael, CFO, Jamie Leonard, President, Tim Spence, and Chief Credit Officer, Richard Stein. Following prepared remarks by Greg and Jamie, we will open the call for questions.