John Campbell | Director, IR |
Allen Parker | Interim CEO and President |
John Shrewsberry | CFO |
John McDonald | Autonomous Research |
Saul Martinez | UBS |
Ken Usdin | Jefferies |
Erika Najarian | Bank of America |
Matt O'Connor | Deutsche Bank |
John Pancari | Evercore |
Betsy Graseck | Morgan Stanley |
Gerard Cassidy | RBC |
Vivek Juneja | JPMorgan |
Steven Chubak | Wolfe Research |
Eric Compton | Morningstar |
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. All lines have been placed on mute to prevent any background noise. After the speakers’ remarks, there will be a question-and-answer session. [Operator Instructions] Thank you.