John Campbell | Director, IR |
Allen Parker | Interim CEO and President |
John Shrewsberry | CFO |
Erika Najarian | Bank of America Merrill Lynch |
Scott Siefers | Sandler O'Neill |
John McDonald | Autonomous Research |
Ken Usdin | Jefferies |
John Pancari | Evercore ISI |
Matt O'Connor | Deutsche Bank |
David Long | Raymond James |
Vivek Juneja | JPMorgan |
Eric Compton | Morningstar |
Saul Martinez | UBS |
Betsy Graseck | Morgan Stanley |
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 Third 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.