|Bryan Gill||EVP, Director, IR|
|William Demchak||Chairman, President & CEO|
|Robert Reilly||EVP & CFO|
|John Pancari||Evercore ISI|
|Betsy Graseck||Morgan Stanley|
|John McDonald||Autonomous Research|
|Erika Najarian||Bank of America Merrill Lynch|
|Robert Siefers||Sandler O'Neill + Partners|
|Gerard Cassidy||RBC Capital Markets|
|Matthew O'Connor||Deutsche Bank|
|Kevin Barker||Piper Jaffray Companies|
|Michael Mayo||Wells Fargo Securities|
|Saul Martinez||UBS Investment Bank|
Good morning. My name is Edison, and I will be your conference operator today. At this time, I would like to welcome everyone to The PNC Financial Services Group Earnings Conference Call. [Operator Instructions].
As a reminder, this conference is being recorded.