 Citizens Financial Group, Inc. NYSE:CFG Q1 2022 Earnings Conference Call April 19, 2022 9:00 AM ET Company Participants Kristin Silberberg - Executive Vice President, Investor Relations Bruce Van Saun - Chairman and Chief Executive Officer John Woods - Chief Financial Officer Brendan Coughlin - Head, Consumer Banking Don McCree - Head, Commercial Banking Conference Call Participants Scott Siefers - Piper Sandler Erika Najarian - UBS Brian Foran - Autonomous Betsy Graseck - Morgan Stanley Matt OConnor - Deutsche Bank Ken Usdin - Jefferies John Pancari - Evercore Peter Winter - Wedbush Securities Gerard Cassidy - RBC Operator Good morning, everyone and welcome to the Citizens Financial Group First Quarter 2022 Earnings Conference Call. My name is Tony and I will be your operator today. 