Dana Nolan | IR |
John Turner | President and CEO |
David Turner | Senior EVP and CFO |
Barb Godin | Chief Credit Officer |
John McDonald | Bernstein |
Matt O'Connor | Deutsche Bank |
Erika Najarian | Bank of America |
Saul Martinez | UBS |
John Pancari | Evercore ISI |
Betsy Graseck | Morgan Stanley |
Peter Winter | Wedbush Securities |
Christopher Marinac | FIG Partners LLC |
Gerard Cassidy | RBC |
Good morning, and welcome to the Regions Financial Corporation's Quarterly Earnings Call. My name is Angie, and I'll be your operator for today's call. I would like to remind everyone that all participants' phone lines have been placed on listen-only. At the end of the call, there will be a question-and-answer session. [Operator Instructions] I would now like to turn the call over to Dana Nolan to begin.