Dana Nolan | Head, IR |
Grayson Hall | Chairman & Chief Executive Officer |
David Turner | Senior EVP & Chief Financial Officer |
John Turner | President & Head of Corporate Banking Group |
John Owen | Senior EVP & Head of Regional Banking Group |
Barbara Godin | Senior EVP & Chief Credit Officer |
Matthew O'Connor | Deutsche Bank AG |
John Pancari | Evercore ISI |
Kenneth Usdin | Jefferies LLC |
Geoffrey Elliott | Autonomous Research |
Jennifer Demba | SunTrust Robinson Humphrey |
Stephen Moss | B. Riley FBR, Inc. |
Steven Duong | RBC Capital Markets |
Christopher Marinac | FIG Partners |
Good morning, and welcome to the Regions Financial Corporation's quarterly earnings call. My name is Paula, and I will be your operator for today's call. [Operator Instructions]. I will now turn the call over to Ms. Dana Nolan to begin.