 Wells Fargo Company NYSE:WFC Q4 2022 Earnings Conference Call January 13, 2023 12:00 PM ET Company Participants John Campbell - Director, Investor Relations Charles Scharf - Chief Executive Officer Mike Santomassimo - Chief Financial Officer Conference Call Participants Kenneth Usdin - Jefferies Scott Siefers - Piper Sandler John McDonald - Autonomous Research Steven Chubak - Wolfe Research John Pancari - Evercore ISI Ebrahim Poonawala - Bank of America Erika Najarian - UBS Betsy Graseck - Morgan Stanley Vivek Juneja - JPMorgan Gerard Cassidy - RBC Capital Markets Operator Welcome, and thank you for joining the Wells Fargo Fourth Quarter 2022 Earnings Conference Call. Operator Instructions Please note todays call is being recorded. 