Since the Lincoln administration signed our national bank charter No. 24 in 1863, we've drawn on our financial strength to serve customers. Today, we're in an era where technology is reshaping every aspect of the financial industry and changing the expectations of our customers and clients. To stay a step ahead, we must anticipate what's ahead. We're focused on harnessing the power of these advancements to help us operate with more efficiency, enhance the experience our clients have and ensure we're continually ready for what's next. At the heart of investing for the future is our investment in our people. Powering their potential powers our potential.