Dana Nolan | Investor Relations |
John Turner | President and Chief Executive Officer |
David Turner | Senior Executive Vice President and Chief Financial Officer |
Barb Godin | Chief Credit Officer |
Ronald Smith | Senior Executive Vice President and Head-Corporate Banking Group |
Ken Usdin | Jefferies |
John Pancari | Evercore |
Betsy Graseck | Morgan Stanley |
Erika Najarian | Bank of America |
Matt O'Connor | Deutsche Bank |
Jennifer Demba | SunTrust |
Marty Mosby | Vining Sparks |
Stephen Scouten | Sandler O'Neill |
Saul Martinez | UBS |
Gerard Cassidy | RBC |
Good morning and welcome to the Regions Financial Corporation’s Quarterly Earnings Call. My name is Shelby and I’ll be your operator for today’s call. I would like to remind everyone that all participant 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 turn the call over to Dana Nolan to begin.