Founded in 1993 by brothers Tom and David Gardner, The Motley Fool helps millions of people attain financial freedom through our website, podcasts, books, newspaper column, radio show, and premium investing services. Good morning everybody and welcome to the Citizens Financial Group Fourth Quarter and Full Year 2019 Earnings Conference Call. My name is Brad and I’ll be your operator on the call today. Currently, all participants are in a listen-only mode. Following the presentation, we will conduct a brief question-and-answer session. As a reminder, this conference is being recorded. I’d now like to turn the call over to Ellen Taylor, Head of Investor Relations. Ellen, you may begin. Okay. Thanks, Brad and happy new decade to everyone. We’re really pleased to have you join us. First this morning, our Chairman and CEO, Bruce Van Saun and CFO, John Woods will provide an overview of our results and our outlook, and will reference our presentation, which you can find in investor.citizensbank.com, and then we’ll be happy to take questions. I’d also like to mention that Brad Conner, Head of Consumer Banking and Don McCree, Head of Commercial Banking are h...