(Voice of Andy Cecere) Hi. I'm Andy Cecere, chairman, president and CEO of U.S. Bank. On behalf of our over 70,000 employees across the globe, welcome to U.S. Bank. We're pleased to have you as a customer and we look forward to serving you. At U.S. Bank, we are committed to make banking safe, simple and convenient. We serve our customers through our bankers and our state-of-the-art digital tools, and we challenge ourselves to create ways to help you achieve your financial goals. As a U.S. Bank customer, you will have access to more people, branches and ATM's, and many new products and services. And our mobile app is recognized for its abilities, features and insights. It's another way we will build on your experience as a Union Bank customer. U.S. Bank and Union Bank have excellent reputations for community service and we'll continue those efforts through our Community Possible program. We will continue serving low and moderate-income communities, investing in financial inclusion, and addressing climate change. Most importantly, U.S. Bank and Union Bank share a culture of trust and integrity. U.S. Bank has been recognized as a World's Most Ethical company eight years in a row, and we'll continue to work to earn your trust every day. We are excited to work with you today and in the future. We know you have questions, and we are here to guide you every step of the way.