Dana Nolan | Head, IR |
John Turner | CEO |
David Turner | CFO |
Peter Winter | Wedbush |
Ebrahim Poonawala | Bank of America |
Bill Carcache | Wolfe Research |
Gerard Cassidy | RBC Capital Markets |
Ryan Nash | Goldman Sachs |
Erika Najarian | UBS |
Ken Usdin | Jefferies |
Betsy Graseck | Morgan Stanley |
Vivek Juneja | JP Morgan |
Good morning, and welcome to the Regions Financial Corporation’s Quarterly Earnings Call. My name is Christine, 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.