Bryan Gill | Director, IR |
William Demchak | Chairman, President and CEO |
Robert Reilly | EVP and CFO |
John Pancari | Evercore ISI |
Ken Usdin | Jefferies |
Erika Najarian | Bank of America |
Gerard Cassidy | RBC |
Bill Carcache | Wolfe Research |
Mike Mayo | Wells Fargo |
Good morning. My name is Frank, and I will be your conference operator today. At this time, I would like everyone - welcome everyone to the PNC Financial Services Group Earnings Conference Call. [Operator Instructions] As a reminder, this call is being recorded. I will now turn the call over to the Director of Investor Relations, Mr.