Comerica Incorporated

Next, we are excited to have Comerica at the conference. Comerica has done a good job managing through a challenging backdrop as it's returned to growing deposits, has made significant investments in the business that should position it well for growth in the future, and continues to have best-in-class credit. Here to tell us more about the strategy and how they will continue is Chairman and CEO Kurt Farmer, also joining us on stage is CFO Jim Herzog. So Kurt is going to do a short presentation before we get into Q&A.

Okay, good morning everyone. So I don't have a podium, so I apologize for doing this seated, but I do have some comments that we'll share with you, and you should have a copy of our published materials as well. So thank you, Ryan, and slide two has our forward-looking statements and our non-GAAP financial measures notices, which will apply to our entire webcast. I'll now move to slide three and our formal presentation. We believe our model is a competitive advantage. Our products and credit capacity rival those of much larger banks, and our size enables tailored solutions that meet the unique needs of our customers. Tenured colleagues deliver insights and local, consistent service, which we believe are key to maintaining our long-term customer relationships. Industry recognition affirms the effectiveness of our strategy in supporting our customers, colleagues, and communities.

Diversification on slide four has been an intentional strategy.