I want to thank all of our stakeholders for the opportunity to earn your trust and create value. It's our privilege to improve the lives of customers and the well-being of our communities. We do this by keeping the customer at the center of everything we do, staying focused on our core business of banking and executing on key strategic priorities. This is our inaugural Environmental, Social and Governance (ESG) Report. It's a publication that builds upon the Fifth Third Bancorp 2019 annual report to shareholders, as well as the community focused corporate social responsibility reports of previous years. This ESG Report broadens the aperture to include more stakeholders and allows for a deeper focus on economic impact and ESG data and metrics. There is value in voluntarily reporting this information. It gives all of our stakeholders—customers, communities, employees, shareholders and regulators—further insight into our values and provides a public forum to report on our progress toward stated goals.