Ladies and gentlemen, thank you for standing by, and welcome to the First Citizens BancShares Third Quarter Earnings Conference Call. It is my pleasure to introduce our Chairman and Chief Executive Officer, Frank Holding, as well as our Chief Financial Officer, Craig Nix who will provide an overview of our third quarter 2021 results and will be referencing our investor presentation, which you can find on our Investor Relations website. As we have not closed the transaction with CIT Group, we will be speaking today on First Citizens BancShares stand-alone performance only and will provide an update of our planned merger with CIT.
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