John Campbell | Director, Investor Relations |
Tim Sloan | President and Chief Executive Officer |
John Shrewsberry | Chief Financial Officer |
Erika Najarian | Bank of America |
John McDonald | Bernstein |
Marty Mosby | Vining Sparks |
John Pancari | Evercore |
Matthew O’Connor | Deutsche Bank |
Brian Kleinhanzl | KBW |
Gerard Cassidy | RBC |
Ken Usdin | Jefferies |
Kevin Barker | Piper Jaffray |
Steven Chubak | Wolfe Research. |
Vivek Juneja | JPMorgan |
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 Earnings Conference Call. [Operator Instructions] I would now like to turn the call over to John Campbell, Director of Investor Relations. Sir, you may begin the conference.