Tim Sedabres | Investor Relations |
Craig Dahl | Chairman and Chief Executive Officer |
Tom Jasper | Chief Operating Officer |
Brian Maass | Chief Financial Officer |
Mike Jones | EVP of Consumer Banking |
Bill Henak | EVP of Wholesale Banking |
Jim Costa | Chief Risk Officer and Chief Credit Officer |
Jon Arfstrom | RBC Capital Markets |
Nathan Race | Piper Jaffray |
Scott Siefers | Sandler O’Neill and Partners |
Ebrahim Poonawala | Bank of America Merrill Lynch |
Jared Shaw | Wells Fargo |
Chris McGratty | KBW |
Kevin Reevey | D.A. Davidson |
Dave Rochester | Deutsche Bank |
Lana Chan | BMO Capital Markets |
Ken Zerbe | Morgan Stanley |
Steven Alexopoulos | JPMorgan |
David Chiaverini | Wedbush Securities |
Good morning. And welcome to TCF 2018 Third Quarter Earnings Call. My name is Denise, and I will be your conference operator today. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer period.