BOK Financial Corporation

Greetings.

I would now like to turn the presentation over to Stephen Nell, Chief Financial Officer for BLK Financial Corporation. Please proceed.

Good morning and thanks for joining us. Today, our CEO, Steve Bradshaw, will provide opening comments and Stacy Kymes, Executive Vice President of Corporate Banking, will cover our loan portfolio and credit metrics. Lastly, I'll provide third quarter details regarding net interest income, net interest margin, fee revenues, expenses, and our overall balance sheet position from a liquidity and capital standpoint. Joining us for the question and answer session are Mark Maughan, our Chief Credit Officer, who can answer detailed questions regarding credit metrics and loan deferral status, and also Scott Grauer, Executive Vice President of Wealth Management, who can expand on our differentiating capabilities within wealth management, which have led to another fantastic quarter for the company. PDFs of the slide presentation and third quarter press release are available on our website at BOKF.com. We refer you to the disclaimers on slide two as it pertains to any forward-looking statements we make during this call. I'll now turn the call over to Steve Bradshaw.