We are doing our part to keep people and information safe. We are striving to be an ethical and responsible company. We are embracing diversity and inclusion as a business imperative. We are focused on helping people be more financially secure, and we are improving our efforts to protect the environment and drive long-lasting, mutually beneficial partnerships. Stakeholder needs continue to change and we must drive meaningful growth while mitigating potential risks. Our success will rely on our ability to build and support a high-performing team that is capable of building trust for all who rely on us. The way we run our business and how we live up to our own values – how we hold ourselves accountable to our governance – are and will continue to be differentiators for U. S. Bancorp. We do the right thing at U. S. Bancorp. That mantra is built into every program, initiative and project we undertake. As you read this year’s report, I am confident you will see evidence of that commitment clearly. Our work is guided by three pillars: lead with core values, enable a sustainable future and increase equity, access and economic empowerment. In 2022, under the guidance of our board, we achieved the following: LEAD WITH CORE VALUES • Continued focus on commitment to diversity and published EEO-1 workforce demographic information for U. S.