Mark Muth | Huntington Bancshares, Inc. |
Howell D. McCullough III | Huntington Bancshares, Inc. |
Stephen D. Steinour | Huntington Bancshares, Inc. |
Daniel J. Neumeyer | Huntington Bancshares, Inc. |
R. Scott Siefers | Sandler O’Neill + Partners LP |
Kenneth M. Usdin | Jefferies LLC |
Jon Arfstrom | RBC Capital Markets LLC |
Erika Penala Najarian | Bank of America Merrill Lynch |
Ken Zerbe | Morgan Stanley & Co. LLC |
John Pancari | Evercore Group LLC |
Marty Mosby III | Vining-Sparks IBG L.P. |
Emlen Harmon | JMP Securities LLC |
Kyle Peterson | FBR Capital Markets & Co. |
David J. Long | Raymond James & Associates, Inc. |
Terry J. McEvoy | Stephens, Inc. |
Kevin J. Barker | Piper Jaffray & Co. |
Peter J. Winter | Wedbush Securities, Inc. |
Greetings, and welcome to the Huntington Bancshares' Third Quarter Earnings Conference Call. At this time, all participants are in a listen-only mode. A brief question-and-answer session will follow the formal presentation.
As a reminder, this conference is being recorded. I would now like to turn the conference call over to your host, Mark Muth, Director of Investor Relations.