John Shrewsberry | Senior EVP & CFO |
Timothy Sloan | CEO, President & Director |
John Campbell | Head, IR |
John McDonald | Sanford C. Bernstein & Co. |
Betsy Graseck | Morgan Stanley |
Robert Siefers | Sandler O'Neill + Partners |
Erika Najarian | Bank of America Merrill Lynch |
Saul Martinez | UBS Investment Bank |
Brian Kleinhanzl | KBW |
John Pancari | Evercore ISI Institutional Equities |
Gerard Cassidy | RBC Capital Markets |
Kenneth Usdin | Jefferies |
David Long | Raymond James & Associates |
Vivek Juneja | JP Morgan Chase & Co. |
Marlin Mosby | Vining Sparks |
Good morning. My name is Regina, and I will be your conference operator today. At this time, I would like to welcome everyone to the Wells Fargo Second Quarter Earnings Conference Call. [Operator Instructions]. I would now like to turn the call over to John Campbell, Director of Investor Relations.