Bank of Montreal (BMO) Q1 2012 Earnings Call February 28, 2012 2:00 pm ET Executives Viki A. Lazaris - Senior Vice President of Investor Relations William A. Downe - Chief Executive Officer, President, Director, Chief Executive Officer of BMO Financial Group and President of BMO Financial Group Thomas E. Flynn - Chief Financial Officer, Principal Accounting Officer and Executive Vice President Surjit S. Rajpal - Chief Risk Officer and Executive Vice-President
Frank J. Techar - Chief Executive Officer of Personal & Commercial Banking for Canada Bmo and President of Personal & Commercial Banking for Canada Bmo Mark F. Furlong - Chairman, Chief Executive Officer, President, Treasurer of M&I Capital Markets Group Llc, Vice President of M&I Capital Markets Group Llc, Chief Executive Officer of M&I Marshall & Ilsley Bank, Chairman of M&I Marshall & Ilsley Bank, Director of M&I Marshall & Ilsley Bank, Director of M&I Capital Markets Group Llc and Director of Marshall & Ilsley Trust Company Thomas V. Milroy - Chief Executive Officer Analysts Steve Theriault - BofA Merrill Lynch, Research Division Sumit Malhotra - Macquarie Research John Aiken - Barclays Capital, Research Division Mario Mendonca - Canaccord Genuity, Research Division John Reucassel - BMO Capital Markets Canada Darko Mihelic - Cormark Securities Inc., Research Division Cheryl Pate - Morgan Stanley, Research Division Gabriel Dechaine - Crédit Suisse AG, Research Division Peter D. Routledge - National Bank Financial, Inc., Research Division Brian Klock - Keefe, Bruyette, & Woods, Inc., Research Division PresentationOperator Please be advised that this conference call is being recorded. Good afternoon, and welcome to the BMO Financial Group's First Quarter 2012 Conference Call for February 28, 2012. Your host for today is Viki Lazaris, Senior Vice President of Investor Relations. Ms. Lazaris, please go ahead.