Steve Bradshaw | Chief Executive Officer |
Stacy Kymes | Executive Vice President of Corporate Banking |
Marc Maun | Executive Vice President, Chief Credit Officer |
Steven Nell | Chief Financial Officer |
Ken Zerbe | Morgan Stanley |
Brady Gailey | KBW |
Peter Winter | Wedbush Securities |
Michael Rose | Raymond James |
Jennifer Demba | SunTrust Robinson |
Gary Tanner | D. A. Davidson |
Greetings and welcome to the BOK Financial Corporation’s Fourth Quarter 2018 Earnings Call. At this time all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. [Operator Instructions] As a reminder, this conference is being recorded. I would now like to turn the conference over to your host Mr.