Dana Nolan | Investor Relations |
John Turner | President and Chief Executive Officer |
David Turner | Senior Executive Vice President and Chief Financial Officer |
Barb Godin | Senior Executive Vice President and Chief Credit Officer |
John Owen | Senior Executive Vice President and Chief Operating Officer |
Ryan Nash | Goldman Sachs |
John Pancari | Evercore |
Matt O'Connor | Deutsche Bank |
Jennifer Demba | SunTrust |
Peter winter | Wedbush. |
Ken Usdin | Jefferies |
Erika Najarian | Bank of America |
Saul Martinez | UBS |
Christopher Marinac | Janney Montgomery Scott LLC |
Kevin Barker | Piper Jaffray |
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.