Ellen Taylor | IR |
Bruce Van Saun | Chairman and CEO |
John Woods | CFO |
Brad Conner | Head of Consumer Banking |
Donald McCree | Head of Commercial Banking |
Scott Siefers | Sandler O'Neill Partners |
John Pancari | Evercore ISI |
Saul Martinez | UBS |
Ken Usdin | Jefferies |
Ken Zerbe | Morgan Stanley |
Kevin Barker | Piper Jaffray |
Matt O'Connor | Deutsche Bank |
Erika Najarian | Bank of America Merrill Lynch |
Peter Winter | Wedbush Securities |
Gerard Cassidy | RBC Capital Markets |
Good morning everyone, and welcome to the Citizens Financial Group Second Quarter 2018 Earnings Conference call. My name is Paul, and I'll be your operator today. [Operator Instructions] As a reminder, this event is being recorded.
Now I'll turn the call over to Ellen Taylor, Head of Investor Relations. Ellen, you may begin.