Citizens Financial Group, Inc.

Good morning, everyone, and welcome to the Citizens Financial Group third quarter 2020 earnings conference call. My name is Greg, and I'll be your operator today. Currently, all participants are in a listen-only mode. Following the presentation, we will conduct a brief question and answer session. If you'd like to ask a question, please press 1 and 0. As a reminder, this event is being recorded. Now I'll turn the call over to Kristen Silberberg, Executive Vice President, Investor Relations. Kristen, you may now begin.

Thank you Greg. Good morning everyone and thank you for joining us. First this morning our Chairman and CEO Bruce Van Saan and CFO John Woods will provide an overview of third quarter results referencing our presentation which you can find on our investor relations website. After the presentation we'll be happy to take questions. Brendan Coughlin, Head of Consumer Banking and Don McCree, Head of Commercial Banking are also here to provide additional colour. Our comments today will include forward-looking statements which are subject to risks and uncertainties that may cause our results to differ materially from expectations. These are outlined for your review on page two of the presentation. We also reference non-GAAP financial measures so it's important to review our GAAP results on page three of the presentation and the reconciliation in the appendix. With that, I will hand over to Bruce.

Thank you, Kristen. Good debut for you. Good to have you on the team.