Operator: Welcome to the SunTrust Second Quarter Earnings Conference Call. At this time all participants are in a listen-only mode during the question-and-answer session. Today's conference is being recorded. If you have any objections, you may disconnect at this time.
I'd now like to turn today's meeting over to Kris Dickson, Director of Investor Relations. Thank you. You may begin.
Kris Dickson - Corporate IR Manager: Thanks Caroline and good morning everyone. Welcome to SunTrust's second quarter earnings conference call. Thanks for joining us. In addition to the press release, we've also provided a presentation that covers the topics we plan to address during our call today. The press release, presentation, and detailed financial schedules are available on our website, www.suntrust.com. This information can be accessed by going to the Investor Relations section of the website.
With me today, among other members of our executive management team, are Bill Rogers, our Chairman and Chief Executive Officer; Aleem Gillani, our Chief Financial Officer; and Tom Freeman, our Chief Risk Officer.
Before we get started, I need to remind you that our comments today may include forward-looking statements. These statements are subject to risks and uncertainty and actual results could differ materially. We list the factors that might cause actual results to differ materially in our SEC filings, which are available on our website. During the call, we will discuss non-GAAP financial measures in talking about the Company's performance. You can find a reconciliation of these measures to GAAP financial measures, in our press release and on our website at www.suntrust.com.
Finally, SunTrust is not responsible for and does not edit nor guarantee the accuracy of our earnings teleconference transcripts provided by third parties. The only authorized live and archived webcasts are located on our website.
With that I'll now turn things over to Bill.
William H. Rogers, Jr. - President and CEO: Okay. Thanks, Kris. I'm going to start this morning's call with a quick overview of the quarter and then we'll pass on to Aleem to provide details on the results and then going to come back and wrap up the call with some highlights from our business segment perspective. Well, you'll see we generated continued positive momentum in our consumer and wholesale businesses, but faced some headwinds in mortgage. Earnings per share for the quarter were $0.68 and net income grew to $365 million. Ongoing credit improvement, coupled with continued expense discipline, drove the earnings growth, up 36% over last year.
On a sequential quarter basis, both net interest and noninterest income were down modestly. The net interest income decline was from the expected decrease in our commercial loan swap income. The decline in noninterest income was driven by lower mortgage-related income. However, this was almost entirely offset by broad-based growth in other noninterest income categories, most notably, investment banking income and wealth management-related fees. Our intensive and ongoing efforts to drive efficiency improvements produced a 10% reduction in noninterest expense from last year.