Kay Gregory | Investor Relations |
Mariner Kemper | President & Chief Executive Officer |
Ram Shankar | Chief Financial Officer |
Jim Rine | Chief Executive Officer of UMB Bank |
Chris McGratty | KBW |
Nathan Rice | Piper Sandler |
Ebrahim Poonawala | Bank of America |
Good morning, and welcome to the UMB Financial Third Quarter 2020 Financial Results 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, Investor Relations.