Dana Nolan | Executive Vice President & Head of Investor Relations |
John Turner | President & CEO |
David Turner | CFO |
Ryan Nash | Goldman Sachs |
Christopher Spahr | Wells Fargo |
Gerard Cassidy | RBC |
Erika Najarian | UBS |
Peter Winter | Wedbush Securities |
Matt O'Connor | Deutsche Bank |
Ken Usdin | Jefferies |
John Pancari | Evercore ISI |
Betsy Graseck | Morgan Stanley |
Bill Carcache | Wolfe Research |
Good morning, and welcome to the Regions Financial Corporation's quarterly earnings call. My name is Jamaria, and I will 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.