Kay Gregory | Investor Relations |
Mariner Kemper | President and Chief Executive Officer |
Ram Shankar | Chief Financial Officer |
Jim Rine | President and Chief Executive Officer-UMB Bank |
Jared Shaw | Wells Fargo Securities |
Chris McGratty | KBW |
Brandon Steverson | Stephens |
Nathan Race | Piper Jaffray |
David Long | Raymond James |
Ebrahim Poonawala | Bank of America Merrill Lynch |
Good morning and welcome to the UMB Financial Fourth Quarter 2018 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today’s presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Kay Gregory of Investor Relations.