Steve Adams | Senior Director, IR & Corporate Development |
Kessel Stelling | Chairman, President & CEO |
Kevin Blair | Senior EVP, COO & Interim CFO |
Kevin Howard | Chief Wholesale Banking Officer |
Kenneth Zerbe | Morgan Stanley |
John Pancari | Evercore ISI |
Ebrahim Poonawala | Bank of America Merrill Lynch |
Brady Gailey | KBW |
Jared Shaw | Wells Fargo Securities |
Casey Haire | Jefferies |
Steven Alexopoulos | JPMorgan Chase & Co. |
Tyler Stafford | Stephens Inc. |
Bradley Milsaps | Sandler O'Neill + Partners |
Jennifer Demba | SunTrust Robinson Humphrey |
Michael Rose | Raymond James & Associates |
Christopher Marinac | FIG Partners |
Garrett Holland | Robert W. Baird & Co. |
Good morning, and welcome to the Synovus Financial Fourth Quarter 2018 Results Conference Call. [Operator Instructions]. Please note this event is being recorded. I would now like to turn the conference over to Steve Adams, Senior Director of Investor Relations. Mr.