Dana Nolan | Executive Vice President & Head of Investor Relations |
John Turner | President & CEO |
David Turner | CFO |
Peter Winter | Wedbush Securities |
Ken Usdin | Jefferies |
Jennifer Demba | Truist Securities |
Dave Rochester | Compass Point |
Betsy Graseck | Morgan Stanley |
Gerard Cassidy | RBC |
John Pancari | Evercore ISI |
Matt O'Connor | Deutsche Bank |
David Konrad | KBW |
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.