John Campbell | Director, Investor Relations |
Tim Sloan | President and Chief Executive Officer |
John Shrewsberry | Chief Financial Officer |
Erika Najarian | Bank of America |
Matt O'Connor | Deutsche Bank |
Ken Usdin | Jefferies |
Brian Kleinhanzl | KBW |
John Pancari | Evercore ISI |
John McDonald | Bernstein |
Betsy Graseck | Morgan Stanley |
Scott Siefers | Sandler O'Neill |
Saul Martinez | UBS |
Nancy Bush | NAB Research |
Gerard Cassidy | RBC |
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 Fourth Quarter 2017 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.