 Regions Financial Corp. NYSE:RF Q4 2022 Results Conference Call January 20, 2023 10:00 AM ET Company Participants Dana Nolan - Head, IR John Turner - President and CEO David Turner - Sr. EVP and CFO Conference Call Participants John Pancari - Evercore ISI Ken Usdin - Jefferies Matt OConnor - Deutsche Bank Betsy Graseck - Morgan Stanley Stephen Scouten - Piper Sandler Gerard Cassidy - RBC Capital Markets Terry McEvoy - Stephens Dave Rochester - Compass Point Bill Carcache - Wolfe Research Jennifer Demba - Truist Securities Operator Good morning, and welcome to the Regions Financial Corporations Quarterly Earnings Call. My name is Christine, and I will be your operator for todays call. 