James Abbott | Director, Investor Relations |
Harris Simmons | Chairman and Chief Executive Officer |
Paul Burdiss | Chief Financial Officer |
Scott McLean | President and Chief Operating Officer |
Ed Schreiber | Chief Risk Officer |
Michael Morris | Chief Credit Officer |
Ken Zerbe | Morgan Stanley |
Ken Usdin | Jefferies |
John Pancari | Evercore |
Kevin Barker | Piper Jaffray |
Steven Alexopoulos | JPMorgan |
Jennifer Demba | SunTrust |
Steve Moss | B. Riley |
Erika Najarian | Bank of America |
Gary Tenner | D.A. Davidson |
David Long | Raymond James |
Jon Arfstrom | RBC Capital Markets |
Ladies and gentlemen, thank you for standing by and welcome to the Zions Bancorporation’s Third Quarter 2019 Earnings Results Webcast. At this time, all participants are in a listen-only mode. After the speaker presentation, there will be a question-and-answer session. [Operator Instructions] I would now like to hand the conference over to your speaker, Director of Investor Relations, James Abbott. Sir, please go ahead.