Erin Duggan | Investor Relations Manager |
Richard Marotta | Chief Executive Officer |
Jamie Moses | Chief Financial Officer |
Sean Gray | President |
Georgia Melas | Chief Credit Officer |
George Bacigalupo | Commercial Leader |
Mark Fitzgibbon | Sandler O'Neill Partners |
Laurie Hunsicker | Compass Point |
Collyn Gilbert | KBW |
Good morning, and welcome to the Berkshire Hills Bancorp Q4 Earnings Release Conference Call. [Operator Instructions]. Please also note today's event is being recorded. At time I'd like to turn the conference over to Ms. Erin Duggan, Investor Relations Manager.