|Bryan Gill||SVP, Director-IR|
|Bill Demchak||Chairman, President & CEO|
|Rob Reilly||EVP, CFO|
|John McDonald||Autonomous Research|
|Bill Carcache||Wolfe Research|
|Betsy Graseck||Morgan Stanley|
|Mike Mayo||Wells Fargo Securities|
|Ebrahim Poonawala||Bank of America|
|Matt O'Conor||Deutsche Bank|
Good morning. Welcome to today's conference call for the PNC Financial Services Group. Participating on this call are PNC's Chairman, President and CEO, Bill Demchak; and Rob Reilly, Executive Vice President and CFO.
Today's presentation contains forward-looking information. Cautionary statements about this information as well as reconciliations of non-GAAP measures are included in today's earnings release materials as well as our SEC filings and other investor materials.