Operator

Hello, and welcome to the Annual Meeting of Shareholders of KeyCorp. Please note that today's meeting is being recorded. During the meeting, we'll have a question-and-answer session. [Operator Instructions]

It is now my pleasure to turn today's meeting over to Chris Gorman, Chairman and CEO of Key. The floor is yours.

Christopher Gorman
Chairman, President & CEO

Thank you, Ryan, and good morning, everyone. The meeting is now in session. Welcome to our 2026 Annual Meeting of Shareholders. I am Chris Gorman, Chairman and CEO of KeyCorp. We thank everyone for being with us today through our virtual meeting platform.

With me today is James Waters, Secretary of KeyCorp. James will first explain the meeting formalities. After the meeting, I will share a few highlights from the company's 2025 results. Shareholders may submit questions at any time during the meeting by clicking the Q&A icon in the virtual meeting platform. When submitting questions, shareholders should follow the guidelines set forth in the rules of conduct available within the virtual meeting platform.

James, I turn the meeting over to you.

James Waters
General Counsel & Corporate Secretary

Thank you, Chris. The list of the corporation shareholders as of the close of business on Friday, March 20, 2026, the record date set for today's meeting, is available for inspection during this meeting by clicking the Documents icon in the virtual meeting platform. A notice of this meeting was duly and properly mailed to shareholders, and the certificate to that effect will be filed with the meeting records.

Your Board of Directors has authorized a representative of Computershare Investor