Given that this has been a busy reporting day for the analyst and investor community, we would like to ensure that this call be limited to an hour. So we please appreciate your cooperation.At this time, I would like to caution our listeners that this presentation contains forward-looking statements and there are risks that actual results could differ materially from what is discussed. Any forward-looking statements contained in this presentation represent the views of management and are presented for the purpose of assisting the bank's shareholders and analysts in understanding the bank's financial position, objectives, and priorities and anticipated financial performance, and may not be appropriate for any other purposes. Certain material factors or assumptions were applied in making these forward-looking statements. For additional information on these factors and assumptions, please see our Q3 2012 MD&A and 2011 Annual Report contained on Td.com. With that, let me turn the presentation over to Ed. Ed Clark Thanks, Rudy, and thanks everyone for joining us today. Colleen is going to be up shortly to discuss in detail our third quarter results, but let me start by sharing my thoughts on the quarter and telling you about how we feel about the rest of the year. This was a record quarter for TD, with adjusted EPS growth of 9 percent versus the third quarter last year. Our retail business generated record adjusted earnings of $1.6 billion, also up 9 percent from a year earlier and our wholesale bank delivered solid results in a very difficult market. Among the highlights of the quarter was a renewed recognition of our best in class customer service. TD Canada Trust won J.D. Power for the highest customer satisfaction levels among the Big 5 banks for the seventh year in a row. We are the only bank in Canada to have the won the J.D. Power award. An amazing accomplishment and for the eighth consecutive year, TD Canada Trust in named the best of the Big 5 banks for customer service excellence by Ipsos from formerly known as Synovate.