|Jason Korstange||Director of IR|
|Craig Dahl||Chairman & CEO|
|Mike Jones||EVP, Consumer Banking|
|Bill Henak||EVP of Wholesale Banking|
|Jim Costa||Chief Risk Officer & Chief Credit Officer|
|Jon Arfstrom||RBC Capital Markets|
|Scott Siefers||Sandler O'Neill|
|Dave Rochester||Deutsche Bank|
|Kevin Reevey||D.A. Davidson|
|Nathan Race||Piper Jaffray|
|Ken Zerbe||Morgan Stanley|
|Lana Chan||BMO Capital Markets|
|Jared Shaw||Wells Fargo|
Good morning, and welcome to TCF's 2018 First Quarter Earnings Call. My name is Jamie, and I’ll be your conference operator today. [Operator Instructions] Please note today's conference call is being recorded. At this time, I’d like to introduce Jason Korstange, TCF’s Director of Investor Relations to begin the conference call.
Good morning, everyone and thanks for joining us for the TCF’s first quarter 2018 earnings call.