Now I'll turn the call over to Kristin Silberberg, Executive Vice President, Investor Relations. First, this morning, our Chairman and CEO, Bruce Van Saun and CFO, John Woods will provide an overview of third quarter results, referencing our presentation, which you can find on our Investor Relations website. Don Mccree, Head of Commercial Banking, and Brendan Coughlin, Head of Consumer Banking are also here to provide additional color.
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