Kay Gregory | VP, IR |
Mariner Kemper | President and CEO |
Ram Shankar | CFO |
Jim Ryan | President and CEO of UMB Bank |
Christopher Mcgratty | KBW |
Nathan Race | Piper Jaffray |
Matt Olney | Stephens |
Ebrahim Poonawala | Bank of America Merrill Lynch |
David Long | Raymond James |
John Rodis | FIG Partners |
Good day everyone, and welcome to the UMB Financial Third Quarter 2018 Financial Results Conference Call and Webcast. All participants will be in a listen-only mode. [Operator Instructions]. Please also note today’s event is being recorded. At this time, I would like to turn the conference call over to Miss.