Dana Nolan | Executive Vice President & Head of Investor Relations |
John Turner | President & Chief Executive Officer |
David Turner | Chief Financial Officer |
Ken Usdin | Jefferies |
Ryan Nash | Goldman Sachs |
Gerard Cassidy | RBC |
Erika Najarian | Bank of America |
Matt O'Connor | Deutsche Bank |
John Pancari | Evercore ISI |
David Rochester | Compass Point |
Peter Winter | Wedbush Securities |
Jennifer Demba | Truist Securities |
Bill Carcache | Wolfe Research |
Betsy Graseck | Morgan Stanley |
Christopher Marinac | Janney Montgomery Scott |
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 will now turn the call over to Dana Nolan to begin.