James Abbott | Investor Relations |
Harris Simmons | Chairman and Chief Executive |
Scott McLean | President and Chief Operating Officer |
Keith Maio | Chief Risk Officer |
Michael Morris | Chief Credit Officer |
Paul Burdiss | Chief Financial Officer |
Dave Rochester | Compass Point |
Ken Zerbe | Morgan Stanley |
John Pancari | Evercore ISI |
Steve Moss | B. Riley Securities |
Ken Usdin | Jefferies |
Steven Alexopoulos | JPMorgan |
Brock Vandervliet | UBS |
Jennifer Demba | Tryst Securities |
Erika Najarian | Bank of America |
Ladies and gentlemen, thank you for standing by. And welcome to Zions Bancorporation’s Third Quarter 2020 Earnings Results webcast. At this time, all participants are in a listen-only mode. After the speaker presentation, there will be a question-and-answer session [Operator Instructions]. I would now like to hand the conference over to your host, Director of Investor Relations, James Abbott.