Kay Gregory | VP, IR |
Mariner Kemper | President and CEO |
Ram Shankar | CFO |
Michael Hagedorn | CEO of UMB Bank |
Ebrahim Poonawala | Bank of America Merrill Lynch |
Kelly Motta | KBW |
Timur Braziler | Wells Fargo Securities |
Matt Olney | Stephens Inc |
Robert Beauregard | Global Alpha Capital Management |
Good day, and welcome to the UMB Financial Second Quarter 2018 Financial Results Conference Call. [Operator Instructions]. Please note, this event is being recorded. I would now like to turn the conference over to Kay Gregory. Please go ahead.