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Operator: Hello, and welcome to Citi s Third Quarter 2023 Earnings Call. Today s call will be hosted by Jenn Landis, Head of Citi Investor Relations.

Andy siegGlenn schorrJen landisMike mayoMark masonJane fraserSecurities servicesWells fargoInstitutional clients groupCitigroup incSecurity servicesCiti token servicesRetail servicesCall transcript octoberThird quarterJenn landis