Kay Gregory | UMB Investor Relations |
Mariner Kemper | President and Chief Executive Officer |
Ram Shankar | Chief Financial Officer |
Jared Shaw | Wells Fargo |
Chris McGratty | KBW |
Nathan Race | Piper Sandler |
John Rodis | Janney |
David Long | Raymond James |
Good morning. Thank you for attending today’s UMB Financial Third Quarter 2022 Results Conference Call. My name is Forum [ph] and I will be your moderator for today’s call. All lines will remain muted during the presentation portion of the call with an opportunity for questions and answers at the end. [Operator Instructions] It is now my pleasure to pass the call over to our host, Kay Gregory, UMB Investor Relations.