Bank of Montreal (BMO) Q3 2012 Earnings Call August 28, 2012 2:00 pm ET Executives Sharon Marie Haward-Laird William A. Downe - Chief Executive Officer, President and Director Thomas E. Flynn - Chief Financial Officer, Principal Accounting Officer and Executive Vice President Surjit S. Rajpal - Chief Risk Officer and Executive Vice-President
Franklin 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 Analysts Peter D. Routledge - National Bank Financial, Inc., Research Division Gabriel Dechaine - Crédit Suisse AG, Research Division Cheryl M. Pate - Morgan Stanley, Research Division John Reucassel - BMO Capital Markets Canada Michael Goldberg - Desjardins Securities Inc., Research Division Sumit Malhotra - Macquarie Research Robert Sedran - CIBC World Markets Inc., Research Division Mario Mendonca - Canaccord Genuity, Research Division Andre-Philippe Hardy - RBC Capital Markets, LLC, Research Division J. Bradley Smith - Stonecap Securities Inc., Research Division Steve Theriault - BofA Merrill Lynch, Research Division PresentationOperator Please be advised that this conference call is being recorded. Good afternoon, and welcome to the BMO Financial Group's Third Quarter 2012 Conference Call for August 28, 2012. Your host for today is Ms. Sharon Haward-Laird, Head of Investor Relations. Ms. Haward-Laird, please go ahead.