Presentation Operator Welcome, and thank you for joining the Wells Fargo Fourth Quarter 2024 Earnings Conference Call.

Follow live coverage of earnings from Wells Fargo, JPMorgan Chase, Citigroup, Goldman Sachs, Bank of America, Morgan Stanley, ...

Welcome, and thank you for joining the Wells Fargo Fourth Quarter 2024 Earnings Conference Call. (Operator Instructions) Please note that today's call is being recorded. I would now like to turn the ...

All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer session. [Operator instructions] Please note that today's call is ...

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