Thanks, Bryan. Good morning, everybody. As you have seen this morning, PNC reported net income of $1.1 billion or $2.16 per diluted common share in the third quarter. As Rob is going to lay out in more detail in just a second, this is a good quarter for us. Couple of things stood out. I’m just going to comment on those very quickly before I turn it over to Rob.

First, we continued to experience solid loan growth driven by our commercial lending business and we saw some growth on the consumer side as well. Within the commercial business, we’re growing loans and adding clients around a diversified product offering and we’re capitalizing on opportunities in our underpenetrated and newer markets.

Importantly, we haven’t changed our credit standards here, and there is in one particular lending product that stands out. But in the end, we’re effectively executing on a model that’s based on patience, consistency of coverage and good ideas. And this loan growth together with a higher interest rates and continued low betas on our deposit pricing, allowed us to grow net interest income, even as security balances declined slightly.

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