David A. Galloway - Chairman, Member of Audit Committee, Member of Governance & Nominating Committee, Member of Human Resources Committee and Member of Risk Review Committee William A. Downe - Chief Executive Officer, President, Director, Chief Executive Officer of BMO Financial Group and President of BMO Financial Group PresentationDavid A. Galloway Good morning, fellow shareholders, and welcome to the 194th Annual Meeting of the Bank of Montreal. I am David Galloway, Chairman of the Board, and I call this meeting to order. On behalf of all members of the Board of Directors, I want to say how pleased we are to be here in Halifax and to express our appreciation for the genuine hospitality we have received. The last time we had our annual meeting in Halifax was 13 years ago, in February 1999. BMO's ties with Halifax are as old as Confederation. In fact, we opened our first branch here at the request of the fledging Dominion government in 1867, a rather modest and temporary location on the 4th floor of a building on Bedford Row. I am delighted to be joined on stage this morning. On my immediate right, Bill Downe, President and Chief Executive Officer; Tom Flynn, Chief Financial Officer; Simon Fish, Executive Vice President and General Counsel; and Barbara Muir, Senior Vice President, Deputy General Counsel, Corporate Affairs and Corporate Secretary. Also joining me here today, seated in the front rows of the ballroom are members of the Board of Directors and the bank's senior management team.