Jeffrey Schweitzer | President, CEO & Director |
Roger Deacon | Senior EVP & CFO |
Michael Keim | President |
Frank Schiraldi | Sandler O'Neill + Partners |
Michael Perito | KBW |
Broderick Preston | Piper Jaffray Companies |
Good day, and welcome to the Univest Financial Corporation Fourth Quarter 2018 and Year-End Earnings Conference Call. [Operator Instructions]. Please note, this event is being recorded. I would now like to turn the conference over to Jeffrey Schweitzer, President and Chief Executive Officer. Please go ahead.