Timothy Sedabres | Head, IR & Director of Corporate Strategy |
Craig Dahl | President and CEO |
David Provost | Executive Vice Chair |
Thomas Shafer | COO |
Brian Maass | CFO & Treasurer |
Richard Meringolo | Chief Credit Officer |
Jon Arfstrom | RBC Capital Markets |
Steven Alexopoulos | JPMorgan Chase & Co. |
David Long | Raymond James & Associates |
Ebrahim Poonawala | Bank of America Merrill Lynch |
Terence McEvoy | Stephens Inc. |
Nathan Race | Piper Sandler & Co. |
Christopher McGratty | KBW |
Jared Shaw | Wells Fargo Securities |
Kenneth Zerbe | Morgan Stanley |
Good morning, and welcome to TCF's 2020 Third Quarter Earnings Call. My name is Chad, and I'll be your conference operator today. [Operator Instructions]. At this time, I would like to introduce Tim Sedabres, Head of Investor Relations, to begin the conference call.
Good morning, and thanks for joining us for TCF's Third Quarter 2020 Earnings Call.