Ann Nachtigal | Director, Corporate Communications |
Ken Karels | Chairman & CEO |
Doug Bass | President & COO |
Peter Chapman | CFO |
Karlyn Knieriem | CRO |
Michael Gough | CCO |
Dave Rochester | Deutsche Bank |
Jon Arfstrom | RBC |
Ebrahim Poonawala | Bank of America Merrill Lynch |
Jeff Rulis | D.A. Davidson |
Nathan Race | Piper Jaffray |
Damon DelMonte | KBW |
Tim O'Brien | Sandler O'Neill & Partners |
Terry McEvoy | Stephens |
Good day and welcome to the Great Western Bancorp Second Quarter Fiscal Year 2019 Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions]. After today’s presentation, there will be an opportunity to ask questions. [Operator Instructions].