Toronto-Dominion Bank (TD) F3Q12 Earnings Call August 30, 2012 3:00 pm ET Executives Rudy Sankovic - Senior Vice President of Investor Relations Ed Clark - Group President and Chief Executive Officer Colleen Johnston - Group Head, Finance and Chief Financial Officer Bharat Masrani - Group Head, U.S. Personal and CB of TD Bank Group and President, CEO of TD Bank, N.A. Mark Chauvin - Group Head and Chief Risk Officer
Timothy Hockey - Group Head, Canadian Banking, Auto Finance and Credit Cards of TD Bank Group, President and Chief Executive Officer, TD Canada Trust Analysts Michael Goldberg - Desjardins Securities John Reucassel - BMO Capital Markets Gabriel Dechaine - Credit Suisse Peter Routledge - National Bank Financial Robert Sedran - CIBC Brad Smith - Stonecap Securities Steve Theriault - Bank of America Merrill Lynch John Aiken - Barclays Capital Chris Mutascio - Stifel Nicolaus PresentationRudy Sankovic Good afternoon and welcome to TD Bank Group's third quarter 2012 investor presentation. My name is Rudy Sankovic and I am the Head of Investor Relations of the bank. We will begin today's presentation with remarks from Ed Clark, the bank's CEO, after which Colleen Johnston, the bank's CFO, will present our third quarter operating results. Mark Chauvin, Chief Risk Officer, will offer comments on credit quality, after which we will entertain questions from those present in the room and from prequalified analysts and investors on the phone. Also present today to answer your questions are Tim Hockey, Group Head, Canadian Banking, Auto Finance and Credit Cards, Bharat Masrani, Group Head, US P&C Banking, and Mike Pedersen, Group Head, Wealth, Insurance, and Corporate Shared Services. Bob Dorrance, Group Head, Wholesale Banking, is joining us by phone today.