Dana Nolan | Investor Relations |
John Turner | President and Chief Executive Officer |
David Turner | Chief Financial Officer |
Barb Godin | Chief Credit Officer |
Betsy Graseck | Morgan Stanley |
Ken Usdin | Jefferies |
Brian Foran | Autonomous Research |
Matt O’Connor | Deutsche Bank |
Jennifer Demba | SunTrust |
Peter Winter | Wedbush |
Erika Najarian | Bank of America |
Saul Martinez | UBS |
John Pancari | Evercore ISI |
Dave Rochester | Compass Point |
Stephen Scouten | Piper Sandler |
Bill Carcache | Nomura |
Christopher Marinac | Janney Montgomery |
Good morning, and welcome to the Regions Financial Corporation's Quarterly Earnings Call. My name is Shelby, and I will be your operator for today's call. I would like to remind everyone that all participant phone lines have been placed on listen-only. At the end of the call, there will be a question-and-answer session. [Operator Instructions]