Kevin Conn | IR and Corporate Development Officer |
Nitin Mhatre | President and CEO |
Subhadeep Basu | CFO |
Sean Gray | COO |
Greg Lindenmuth | CRO |
Mark Fitzgibbon | Piper Sandler |
David Bishop | Seaport Research Partners |
Christopher Acano | KBW |
Laurie Hunsicker | Compass Point |
Hello and welcome to the Berkshire Hills Bancorp. Q4 Earnings Release Conference Call. My name is Katie and I will be coordinate to your call today.
If you'd like to ask a question during the presentation, you may do say by pressing star one. I will now hand over to your host, Kevin Conn, Head of Investor Relations and Corporate Development to begin, Kevin Conn, please go ahead.