Rudy Sankovic - SVP, IR: Good afternoon and welcome to TD Bank Group's Second Quarter 2013, Investor Presentation. My name is Rudy Sankovic and I am the Head of Investor Relations for the Bank. We will begin today's presentation with remarks from Ed Clark, our CEO, after which Colleen Johnston, the Bank's CFO, will present second quarter operating results. Mark Chauvin, Chief Risk Officer, will then offer comments on credit quality. We will then entertain questions from those present in the room and prequalified analysts and investors on the phone.
Also here today to answer your questions are Tim Hockey, Group Head, Canadian Banking, Auto Finance, and Credit Cards; Mike Pedersen, Group Head, Wealth, Insurance, and Corporate Shared Services; Bharat Masrani, Group Head, U.S. P&C Banking; and Bob Dorrance, Group Head, Wholesale Banking.
Please turn to Slide 2. A this time I would like to caution our listeners that this presentation contains forward-looking statements, that there are risks that actual results could differ materially from what is discussed, and that certain material factors or assumptions were applied in making these forward-looking statements. 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. Forward-looking statements may not be appropriate for any other purposes.
I'd also like to remind listeners that the bank uses non-GAAP financial measures to arrive at adjusted results to assess each of our businesses and to measure the bank's overall performance. The bank believes that adjusted results provide the reader with a better understanding of how management views the bank's performance. Ed will be referring to adjusted results in his remarks.
Additional information on items of note, the bank's reported results, and factors and assumptions related to forward-looking information are all available on our Q2 2013 report to shareholders.
With that, let me turn the presentation over to Ed.
W. Edmund Clark - Group President and CEO: Thank you, Rudy, and welcome, everyone. Thank you all, for joining us here today. Now, Colleen's going to be up shortly to review our second quarter results in detail, but I thought I would start by sharing my thoughts on how we're doing and how the second half of the year is shaping up. First, I should note, there had been several milestone events since the first quarter, and I'd like to take a moment just to remark on them. We closed the Target and Epoch acquisitions in March and ii would like to welcome members of both teams to TD.
We are absolutely delighted that you're with us. We also announced our plans for the CEO's succession and as I said at the time, and I still really think is terrific, I couldn't be more pleased with the choice of my successor and frankly the process itself which has underscored our commitment to continuity with the change.