|Bryan Gill||Director, IR|
|William Demchak||Chairman, President and CEO|
|Robert Reilly||EVP and CFO|
|John Pancari||Evercore ISI|
|Erika Najarian||Bank of America|
|Bill Carcache||Wolfe Research|
|Mike Mayo||Wells Fargo|
Good morning. My name is Frank, and I will be your conference operator today. At this time, I would like everyone - welcome everyone to the PNC Financial Services Group Earnings Conference Call. [Operator Instructions] As a reminder, this call is being recorded. I will now turn the call over to the Director of Investor Relations, Mr.