John Campbell | Director, IR |
Charlie Scharf | CEO |
John Shrewsberry | CFO |
Betsy Graseck | Morgan Stanley |
Matt O'Connor | Deutsche Bank |
Ken Usdin | Jefferies |
Erika Najarian | Bank of America |
John Pancari | Evercore ISI |
Saul Martinez | UBS |
Steven Chubak | Wolfe Research |
Vivek Juneja | JPMorgan |
Gerard Cassidy | RBC |
John McDonald | Autonomous Research |
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.