Good morning, everyone. I'm Brian Davis, Chief Communications Officer for Truist. I'd like to welcome you to Truist Financial Corporation's 2021 annual meeting of shareholders. Thank you to our shareholders joining us again this year using the virtual meeting platform. To help you follow along with the meeting, we've made the following documents available on the virtual meeting website. There, you can find the 2021 Annual Meeting proxy statement, 2020 Annual Report, 2020 Annual Report on Form 10-K, the Annual Meeting agenda, the rules of conduct for the Annual Meeting, a list of shareholders. Joining me here today is Truist Chairman and CEO Kelly King, our President and Chief Operating Officer Bill Rogers, Chief Legal Officer, Head of Enterprise Diversity, and Corporate Secretary Ellen Fitzsimmons. At this time, I'd like to turn it over to Kelly to call the meeting to order. Thank you, Brian. Good morning, everybody. I'm pleased to welcome you to the 2021 Annual Meeting of our shareholders. I'll begin by now calling this meeting to order. I want to recognize members of our board of directors and members of our executive leadership team who are also joining us virtually. Also attending virtually are Julie Ferguson, Jonathan Mansett, and Michael Storck, who represent PricewaterhouseCoopers, the independent public accounting firm for Truist. I want to thank you all for attending today virtually. We debated it. We thought, to protect the health and well-being of all of the attendees, we would be virtual again this year. Hopefully next year we'll be all back together in person. Thank you for attending virtually. I really do appreciate your support, and I hope you and your families are safe and well. We'll now turn to the business of the meeting. After the business of the meeting, I'll make some comments, and we'll have some time for questions- and- answers. Please note that Ellen Fitzsimmons has been appointed Secretary, and Georgeson LLC has been appointed as Inspector of Election for this annual meeting. Representing Georgeson are Bill Fisk and James Gill, attending also virtually. I will now ask Bill Fisk as representative of Georgeson to report the number of shares represented at the meeting, indicate whether a quorum is present, and whether notice of the meeting was properly furnished to holders of the common stock as of record date of February 18, 2021. Mr. Chairman, I can report that of the 1,344,453,042 shares outstanding, there are present at this meeting, represented by proxy, 1,188,854,403 shares, or 88.42% of the total outstanding shares. Mr. Chairman, Georgeson LLC has in its possession an affidavit from Broadridge Financial Solutions. This affidavit indicates that the proxy statement or notice of internet availability of proxy materials were mailed on March 15, 2021, to record holders of common stock as of February 18, 2021. Thank you, Mr. Fisk. Notice of this annual meeting was properly furnished on March 15, 2021, to each shareholder of record of our common stock as of February 18, 2021. Therefore, proper notice of this meeting has been provided. I declare now that this meeting is properly convened, and the polls are open. Shareholders who intend to vote shares at this meeting may vote at this time using the voting buttons available online. I will now ask Ms. Fitzsimmons to announce the three proposals that were submitted for shareholder consideration at today's meeting. Thank you, Mr. Chairman. The three proposals are as follows. One, to elect 22 director nominees as identified in the proxy statement for a one-year term expiring at the 2022 Annual Meeting of Truist shareholders. Two, to ratify the appointment of PricewaterhouseCoopers LLP as Truist independent registered public accounting firm for 2021. Three, to vote on an advisory resolution to approve Truist overall Executive Compensation program. Thank you, Ms. Fitzsimmons. The polls are now closed, and it's time to proceed with the results of voting at today's meeting. I will call on Bill Fisk of Georgeson to announce the votes on each proposal. Mr. Chairman, regarding Proposal one, the election of 22 directors, each director received more than 91.9% of the votes cast. All director nominees have been elected by the shareholders. Mr. Chairman, regarding Proposal two, the ratification of PricewaterhouseCoopers as the company's independent public accounting firm for 2021, more than 98.7% of the votes cast were voted favorably. The proposal is approved. Mr. Chairman, regarding Proposal three, an advisory resolution to approve Truist's overall Executive Compensation Program, more than 94.9% of the votes cast were voted favorably. The proposal is approved. Now we will give you our report, in terms of kind of what's going on at Truist. Let me start by saying, and you've heard us say this before, that culture is ultimately the most important determinant of our long-term success. We want to talk to you some about our culture as we start out our presentation. Our culture is about our purpose, our mission, and our values. Our purpose is to inspire and build better lives and communities. Our purpose in action is really, if you think about it, our teammates serving our clients and our other stakeholders. Our teammates are living in an environment that we work hard to provide that is inclusive and energizing, it is empowering, and it creates an environment where they can learn and grow and have long-term meaningful careers. We provide distinctive, secure, and successful client experiences through the combination of touch and technology. We work hard for our communities, as you'll hear us talk about, we of course, work very hard for a long-term optimum shareholder value for our shareholders. We do all of this mission in the context of our values. We live by our values every day. They guide our actions, and our values are trustworthy, caring, one team, success, and happiness. If you think about in life, it's very, very important to be trustworthy because otherwise you can't have good and appropriate meaningful partnerships. We serve with integrity. We believe strongly in caring about each other, caring about our clients and our communities. We believe in operating as one team, working together. We don't want to have win-lose. We want to have everyone win. We believe in helping everybody be as successful as they can. Most importantly, though, we believe in creating an environment so people can achieve a substantial amount of their happiness in life through Truist and the activities we take throughout our communities. If you think about it, our purpose, our mission, and our values are non-negotiable. Everything else in the company is strategic or tactical, and they change from time to time based on circumstances. Because purpose is so important to Truist now and in the future, I want to ask Bill Rogers, our President and COO and future CEO of our company, to give you some comments about our purpose in action. Bill? Thank you, Kelly. As Kelly just shared, our purpose is the force at the center of everything we do. This is the foundation upon which Truist is built. It motivates us, it guides all of our decisions. Our purpose, to inspire and build better lives and communities, it's actionable, it's measurable, more importantly, it's meaningful. You see here on the slide some of the more recent manifestations of our purpose in action. I'd like to briefly walk you through how purpose guided our actions throughout what we all knew was a really challenging year in 2020. We realized early that the Paycheck Protection Program was a way to put purpose in action for small businesses in our communities. We were one of the very first banks to set up a digital portal to accept these applications. With our agile, purposeful approach, we created an online automated process in just mere days. We're proud of being one of the most active PPP lenders in the country and the leaders in our markets. We helped approximately 80,000 companies secure almost $13 billion in funding, which supported close to 2.9 million jobs across our markets last year. When our commercial clients needed us to help fund liquidity and working capital needs, we were there for them. Additionally, we implemented financial relief programs for our small business suppliers and tenants and provided payment relief assistance, forbearance, deferrals, and extensions, and other modification strategies for our clients in need. Our teammates executed purposefully for our clients, and we demonstrated our value of caring for them in return. As evidence, we provided relief bonuses to teammates making less than $100,000 per year. We offered special on-site pay rates for essential teammates and added support through paid time off and family care benefits. We created a four-to-one match for all teammates who contributed to our One Team Fund. That's an extra level of care for those facing the biggest hardships. In total, we provided more than $100 million in overall special support. From a diversity equity inclusion standpoint, we made a commitment to increase diversity in leadership and conducting ongoing pay equity reviews. We signed PwC's 2020 CEO Action for Diversity & Inclusion pledge to advance diversity and inclusion in the workplace, and we joined the Business Coalition for the Equality Act to ensure equal rights for all and received 100% on the Human Rights Campaign's 2020 Corporate Equality Index. For our communities, we made a $50 million philanthropic commitment through our Truist Cares initiative, $25 million to address immediate and long-term needs of communities, clients, and teammates, and another $25 million targeting underserved communities, providing resources for small businesses and essential technology services in areas with limited access. With a $40 million donation, we helped establish CornerSquare Community Capital. This was a nonprofit that provides funding to racially and ethnically diverse small business owners, women, and individuals in communities most in need across the markets that Truist serves. We formalized our Historically Black College and University and diversity recruiting strategy to recruit top diverse talent and provide leadership training, internships, and financial support for students. From our eight business resource groups to increase cultural awareness and foster inclusivity to our hundreds of days of understanding sessions where we encourage bold and courageous conversations about the topics of the day, like race and social injustice, to our unconscious bias training, I'm incredibly proud and humbled of how our teammates lived out the purpose in 2020. We're maintaining that momentum in this year, too. In 2021, Fortune recognized Truist as one of the World's Most Admired Companies. We issued our first social bond, the first regional bank to do so. We became lead investor for Greenwood, a very innovative digital banking platform designed for Black and Latinx consumers and business owners. We received an outstanding CRA rating by the FDIC, the highest possible rating. As you can see on the next slide, others are taking notice. We've received several industry-leading recognitions from JD Power and Javelin for our online lending and digital client experiences, from Forbes and the U.S. Black Chambers for workplace culture and DEI, from the Greater Women's Business Council, the National LGBT Chamber of Commerce, and the U.S. Pan Asian American Chamber of Commerce for our supplier diversity efforts, among others. These awards and recognition are testament to our purpose, and they're reflective of our mission to serve clients, teammates, and stakeholders. To our shareholders, you're owners of a company driven by purpose. We are led by diverse, engaged, purposeful teammates committed to inspiring and building better lives and communities. This translates into more clients with meaningful relationships and growing healthy communities, all which support higher and more sustainable shareholder returns. We appreciate your support. Kelly, thank you for your unwavering and purposeful leadership, let me turn it back to you. Thank you, Bill. It's been an honor and a pleasure to work with Bill as we've been on this Truist journey. He's a great partner. He's a great friend. He's doing a great job for our company now, and he will in the future. Thank you for that support and that focus. I really appreciate that. Let's talk a little bit more about Truist, an exceptional company. Just as a reminder, we are the sixth-largest U.S. commercial bank in the country. We have the number two weighted average deposit rank in the top 20 MSAs. We have 15 million clients. We have 53,000 teammates. We are a relatively large company that can make a positive impact in the world. We believe the three most important reasons that any company, and certainly our company, is successful is our culture, our teammates, and our markets. As you can see on this slide, our markets are fantastic. We're blessed to be able to operate in some of the most vibrant markets in the world. Our regional community bank, commercial, and retail operates primarily in the Mid-Atlantic and Southeast markets swinging over to Texas. You can see we have very clear dominance in most of those markets. We also find that the future looks really, really good for us. We're operating in seven of the top 10 markets projected to grow fastest in population over the next five years. We have great businesses at the regional level and at the national level. We're very, very strong at the regional level in Retail Banking, Commercial Banking, Wealth, Small Business, Premier Banking, Treasury Solutions, and others. We're also a national institution. We have a very strong national group of specialized businesses in Corporate Investment Banking, Insurance, Dealer Finance, National Consumer Finance, Mortgage, CRE. We are a national institution, and have a strong focus in the Mid-Atlantic and Southeast, a really good place to be. We are very diversified, which is a really important aspect of a financial company in today's world. We're fortunate that about 34% of our non-interest-bearing deposits are a big portion of our funding sources. We're very diversified in our asset groups. We're about half retail and commercial, with good concentrations in all of the various segments. Most importantly, I think we have great teammates led by our outstanding executive leadership team. Very unlike many companies, our group of executive leaders have an average tenure with our legacy companies of 24 years. We're deep in experience, we're deep in talent, and they're doing a great job in leading our company. To show you how well we're doing, in 2020, Truist was ranked first amongst peers in adjusted ROA, return on tangible common equity, efficiency ratio, and net interest margins. Very strong performance in our first year. Our first quarter highlights, if you had a chance to look at that when we reported a couple of weeks ago, were also very strong. Very strong earnings, adjusted net income of $1.6 billion or $1.18 a share, record investment banking and trading income. Our adjusted return on tangible common equity, I indicated, was first in 2020. It was 19.36 in the first quarter of 2021. Our expenses declined, our nonperformers declined, and our Common Equity Tier 1 ratio increased. That's a good combination. You can see on this graph, compared to our peers, we again continued to do very, very well. I want you to know that the merger is going very, very well. The integration is really on track. It's a complicated merger and conversion, but it's on track. You can see on this slide something that's very, very important. We're really building the best-in-class bank. We're taking the best systems from Heritage SunTrust, best systems from Heritage BB&T. Basically, when this all is finished, we'll have basically the best in class in all front-room client-facing systems and our backroom systems as well. Really, really good place to be in terms of providing outstanding client service quality to our clients. If you look at this slide, I just want you to know that we are making progress. Some people think that the merger's not going to be finished until the spring of 2022, when we actually do most of the branch conversions. That's really not true. We're making really good progress. We've already had our Truist Securities conversion, our wealth brokerage conversion. We'll be already testing the protocols for our core bank conversion. In just a few days, we'll do our wealth trust conversion. A lot of conversions have already occurred, will occur as we go through the rest of the spring and the summer and into the fall. Why that's important is because that reduces the risk for our institution. That should make you feel good as a shareholder because we're moving steadily, and I think smartly, towards the final combination of all of the systems for Truist. When we think about our differentiating advantage at Truist, which is ultimately how you think about providing quality service and a good value proposition, as I said, culture has been and will continue to be the most important differentiating factor. There are some overarching strategic differentiations in the world we live in today. One of those we call T3. About 10 years or so ago, the world really changed. There was a paradigm shift because consumers almost immediately started demanding real-time satisfaction. They want what they want, when they want it, right here, right now, in the palm of their hand. Historically, you found really a distinction between technology and trust. Technology was more of a backroom concept. Trust was more of a front-room concept. That has all changed now. Consumers demand technology, but they demand touch to make sure that they have seamless execution of services, because sometimes, as we all know, technology doesn't work perfectly. Most of the time it does, but sometimes not always. We have this concept that we call T3, where T stands for technology, touch, which yields a high level of trust. This is really the key to providing outstanding long-term value to your clients in the world today. We're very fortunate. We've been working on this for a long time. Threaded throughout our culture is the nature, the essence of T3. We think this will be a differentiating factor for us for a long time to come. We have another strategic focus that we call IRM, or Integrated Relationship Management. This is a powerful concept of trying to be sure we're focusing on meeting all of the needs of the clients all of the time. Many organizations end up kind of like silos. They meet part of the needs real well, not all of the needs. What we're focusing on is to be sure that we provide good services for our clients all of the time throughout the entire organization, because we feel a responsibility to help them achieve all of their dreams and goals and hopes in life, not just part of them. We're having great results in this area. For example, we said when we announced the merger that we had great opportunities to synergistically pull together the insurance business that Heritage BB&T had, the corporate and institutional group that Heritage SunTrust had a real advantage in, and both had really good wealth operations. We're already seeing great benefits and results in terms of these crossover opportunities to help meet the needs of the clients. The combination of T3 and IRM, or Integrated Relationship Management, are real advantages to Truist as we go forward in a highly competitive environment. If you think about our value proposition, it's really one that is based on an exceptional company with diverse products, services, and great markets as I described. We are uniquely positioned to be able to provide outstanding performance. You heard some of the numbers that I covered earlier. We believe that that will hold true in the future. We have a great opportunity in terms of reducing costs as we head through the merger conversion in the next 12 months or so. That'll continue to help us have really good, strong profitability. We have strong capital and liquidity, all of which combined allows us to have very good long-term, less volatile, growing total shareholder returns. We believe we will be a top performer. We accomplish all of that through leadership. At Truist, we know that every facet of society can be made better through more effective leadership. We have the Truist Leadership Model, which you can see here on this slide, which is very simple but very powerful. The concept is that if you're going to change results in life, you have to change behaviors. Most people kind of get that naturally. The real key to the model is if you're going to change behaviors on a sustained basis, you have to change beliefs. People behave in a manner that's consistent with their beliefs. We teach this leadership model throughout the entire Truist organization. What we know is when we all have shared beliefs, particularly when it relates to our purpose, our mission, and our values, shared beliefs with regard to our key strategies like T3 and IRM, those shared beliefs drive consistent behaviors and get great results throughout the organization. We found that in leadership, effective leaders have three characteristics. They're very honest about where they are, they're very clear about where they want to go, and they have the courage to go there. We have all of that here at Truist. Here you see a picture of the Truist Leadership Institute. We're very proud of this because, as I said, leadership is very, very important. Through the Leadership Institute, we provide great leadership training for our teammates, because through our teammates, we then help our clients and our communities. We also do a lot in terms of our clients. Our clients come to the Leadership Institute to take courses of all types because we believe that if we can help our clients' leaders become better leaders, then the clients will be more successful, they'll be able to go out and do more in the community, and the world gets better. We also use the Leadership Institute to help our communities. We have a number of activities that we focused on there over the years. For example, Financial Foundations is a program through the Leadership Institute. This is a program that we've had in effect for a little over 10 years where we're teaching financial well-being in high schools. So far, we've already taught that course, which is very effective, to over 1.2 million high school students. When you come out of high school and you know a little bit about financial well-being, it gives you such a good head start. We're very excited about some work that we're doing now around what I consider to be the greatest challenge we have in our country today in terms of giving our kids a real bright and optimistic future. We have a real challenge in our community today, in our world today, and certainly in our country, because in the U.S. today, in the public school system, two-thirds of the kids in the third grade cannot read proficiently. This does not give them a bright future because educators will tell you the obvious, and that is that up through about the third grade, you're learning how to read, and after that, you're reading to learn. If you go past the third to fourth grade and you can't read, you really don't have a very good future because many of the old jobs, like when I grew up, that you could do were manual jobs and weren't automated, and you didn't have to have the greatest skills in terms of math and reading. Most of that has dramatically changed. We're deeply concerned about and working on trying to help solve that problem. One of the things we're doing is we bring principals from schools for free to our Truist Leadership Institute for an executive-style leadership program. We also now have developed in conjunction with a company, which is our partner called EVERFI, and we've developed a game, a game that kids can play that actually teaches them how to read. We think it's going to be very successful. It's in beta test today. We're in about 584 schools, and we have 14,000 students that are playing the game today. I can't guarantee you it's going to work, but based on the science of reading and everything that we've studied and all of the anecdotal feedback we have so far, we believe this is going to work. Let's just hope and pray that it will because there's a lot of work to be done out there. This is not trying, by the way, to replace the school system or our great teachers. We need a great school system. We need great teachers. This is just one tool that Truist is putting out to help our kids learn how to read because it's so important for their future. You heard me talk about with regard to our values, that we focus on being trustworthy and caring, operating together as one team and being successful. Most importantly, what we want for our teammates and for all the ones that we can touch is a sense of happiness. One of the things that I've found going through this pandemic that I just want to share with you because I found that it's a real challenge, I think, for all of us today, and that is people are really struggling today. It's been more than a year in this pandemic, and it's just been really hard, as I'm sure all of you know. It's very consistent and persistent in its impact on all of us. I've heard so many teammates in the last six or eight months say, "I can't wait till this is over so I can be happy again." I spent a lot of time thinking about that, and I would just share with you that I don't believe it's really wise to wait to be happy. Just like you can't change yesterday, you don't have tomorrow promised, nor do I. What we have is today. The question is, even in the midst of the pandemic, even in the midst of all of the other challenges that we have, can we still be happy? The answer is, yes, we can. There are actually four steps to being happy in a difficult environment. The first is to simply choose to be happy. That may sound simple to you, but it's actually the most important step because until you decide that it is your right that you can control your life, that you're not a victim, then you can't move towards happiness. I tell a lot of teammates all the time, I said, "Think about it this way. Think about that you're the 100% owner, you're the chairman, you're the CEO of this company called You. You get to decide every day how you're going to approach life. If you choose to be happy, choose not to be a victim, then you can move quickly towards being happy." The second step is to be clear about your purpose. There's a great book, one of my five great books, called "Man's Search for Meaning" written by Viktor Frankl. Mr. Frankl survived the Holocaust, spent three years in Auschwitz, a terrible experience. In that book, he said something that's very important, and that is, "If you know your why, you can endure any how." Said another way, if you're clear about your purpose in life, you can figure out how to overcome obstacles. We think that's really, really important. That's why purpose is so important at Truist. We get up every morning thinking about how to inspire and build better lives and communities. That gives us energy, it gives us drive, it gives us direction, it gives us a way to overcome the obstacles because we know what we're trying to do is so important. I appreciate you as shareholders joining us in that journey of trying to make the world better. Being clear about that purpose is a really important part of being happy. Then choosing to have a growth mindset. There's another great book, one of my top five, called "Mindset," written by Dr. Carol Dweck, D-W-E-C-K. I really recommend it. It's a book that talks about in life, we choose either have a fixed mindset or a growth mindset. Sadly, people that choose to have a fixed mindset in life are the people that believe that they can't change, they can't grow, they can't improve. They do quickly become victims. Some bad thing happens, and they believe they can't change. On the other hand, people who have a growth mindset believe that they can change, they can learn, they can grow. The obstacles still come to them as well, rather than give up, rather than being the victim, they choose to be able to grow through the process and overcome the obstacles. It's a powerful differentiator. The final step to being happy, especially in difficult times, is to help others. They've done a lot of studies that actually prove that one of the most important ways to make yourself happier is to go out and help others. That's why we do so much in the community at Truist. We want to help others be happy, and to be honest, that brings us a sense of happiness at the same time. We hope for all of you and all of the clients and all the communities that we serve. That they will be happy as they can be, and we want to do our part. By happiness, I just want to say, I don't mean necessarily just laughing and having fun, although that's great. I mean a sense of enrichment, a sense of fulfillment, a sense of achievement, a sense of my life matters. Finally, I will share with you something that I share with our teammates. This is a great opportunity. When you get up every morning, you can assume that people all around you are struggling, especially now. They're hurting, they need help, and they need to know that their life matters. They need to know that they are important. I challenge our teammates to get up in the morning, and as you're getting ready, even before you approach your loved ones, imagine someone hands you a handful of imaginary seeds. These are seeds of hope. If you go out and help people, a little smile, a little pat on the back, a little, "Hey, how are you?" Wait for the answer. As you do that, in your mind, take one of those little seeds and toss it down on the ground. You just planted a seed of hope. If you'll do that throughout your life the best you can, you won't get it perfect. Nobody does. You'll be able to look back on your life and say, "You know what? I did my best to make a positive, meaningful difference in the lives of as many people as I could." That, ladies and gentlemen, will allow you to have the pride, the sense of enrichment, to know you did your best to make the world better. Thank you for letting us present some information to you today about Truist, and we'll now turn to answering any questions that we have. I will mention that we developed new technology this year because of the virtual platform environment. We actually have been able to, I hope you know, to allow you a way to send in your questions in advance. We have read those questions. We've threaded the themes of those questions, and now we're going to try to answer the questions that you considered to be most important. I'll turn it back over to Brian. Thank you, Chairman King. As a reminder, if there's anything specific you still wish to hear about, please send your questions to our investor relations team. The email address is investors@truist.com. Please note in the interest of time, we'll limit this portion of the meeting to approximately 10 minutes. Chairman King, our first question, can you please explain your thinking about the size of your board of directors? Yes. The question has been raised about the size of our board. Our board reflects really the spirit of the Truist MOE. There are 11 members from Heritage SunTrust, 11 members from Heritage BB&T. I want you to know that our board evaluates every year the size and makeup of our board. We believe that the current board is appropriate given the complexity of our industry, the challenges of the MOE, technological changes that are moving with blinding speed. Frankly, one of the advantages of a board our size is it allows us to have a very effective technology committee, which is already adding great value to the operations of our company. I would also say to you that I'm very proud of our board. 45% of our board is racially, ethnically, and gender-diverse. That makes me very proud. I hope that makes you very proud. To be honest, it makes us much more effective as a company. Thanks, Kelly. Our second question, due to the overwhelming financial burden that the average Truist client is experiencing on account of the pandemic, is the management compensation package high? Is this the right decision based on the current situation of Truist clients? We have a compensation and human capital committee, and as you might expect, they study and decide on our compensation. They do use outside expert consultants in making their decisions. They believe that our total compensation program is appropriate. I will tell you that it is performance-based with an emphasis on performance relative to our peers. It does include a qualitative assessment portion for the committee to make subjective evaluations. The plan is short-term and long-term, and a substantial portion of the payments are in equity, which aligns our compensation with the shareholder interest. I will tell you that 2020 was a very hard year, and even so, Truist, as I said earlier, was number one in adjusted return on assets, return on tangible common equity, efficiency, and net interest margin. We had a very good year. Our third question is what investments will be made in the areas of diversity, equity, and inclusion per your annual report? Well, I will tell you that DEI is at the very heart of the essence of Truist. We get up every day trying to be sure that we're doing the best we can with regard to diversity, inclusion, and equity and inclusion. Our purpose is to inspire and build better lives and communities. You simply cannot achieve that if you don't have diverse teammates, if you don't have an equitable environment, and if you don't have 100% inclusivity. It's morally right, and it's sound business judgment. I'm proud that Truist has partnered with more than 400 community and national organizations in the last year or so. In 2020, we gave over $78 million to advance DEI initiatives in our communities, including social justice grants and historically Black colleges and universities, and many others. We're ahead of schedule in terms of investments with regard to our $60 billion community benefits agreement. We look forward to continuing to making efforts in all of our communities, especially in our minority, women-owned, and areas that are less fortunate. We want to do all we can to improve social and economic mobility. Thank you, Kelly. We've concluded the question-and-answer portion of this meeting. If shareholders have additional questions, again, please send them to our investor relations team. That email address, once again, is investors@truist.com. At this time, I'll turn it back over to Kelly. Thank you, Brian. I want to thank our shareholders again. We really do appreciate your support. We look forward to working hard to provide good long-term shareholder value for you. We look forward to continuing to make you proud in terms of our support of our clients, our communities, and trying to make the world better. Thank you for attending today. Thank you for your support. May God continue to bless you and your families and these great United States of America. Have a great day.