Rich Baytosh | Director, Investor Relations |
Kelly King | Chairman & Chief Executive Officer |
Chris Henson | President & Chief Operating Officer |
Daryl Bible | Chief Financial Officer |
Clark Starnes | Chief Risk Officer |
John McDonald | Autonomous Research |
John Pancari | Evercore |
Mike Mayo | Wells Fargo Securities |
Betsy Graseck | Morgan Stanley |
Ken Usdin | Jefferies |
Matt O'Connor | Deutsche Bank |
Michael Rose | Raymond James |
Stephen Scouten | Sandler O'Neill |
Greetings, ladies and gentlemen, and welcome to the BB&T Corporation October 17th Third Quarter 2019 Quarterly Earnings Conference. Currently, all participants are in a listen-only mode. A brief question-and-answer session will follow the formal presentation. [Operator Instructions] As a reminder, this event is being recorded.
It is now my pleasure to introduce your host, Mr.