Bryan Gill | SVP, Director-IR |
Bill Demchak | Chairman, President & CEO |
Rob Reilly | EVP, CFO |
Gerard Cassidy | RBC |
Bill Carcache | Wolfe Research |
Ken Usdin | Jefferies |
Erika Najarian | UBS |
Mike Mayo | Wells Fargo Securities |
John Pancari | Evercore ISI |
Good morning, and welcome to today's conference call for the PNC Financial Services Group. Participating on this call are PNC’s Chairman, President and CEO, Bill Demchak; and Rob Roley, Executive Vice President and CFO. Today's presentation contains forward-looking information. Cautionary statements about this information as well as reconciliations of non-GAAP measures are included in today's earnings release materials as well as our SEC filings and other investor materials. These materials are all available on our corporate website, pnc.com, under Investor Relations.