Adriano Duarte | executive |
Anthony Labozzetta | executive |
Thomas M. Lyons | executive |
Mark Fitzgibbon | analyst |
Bill Young | analyst |
Timothy Switzer | analyst |
Feddie Strickland | analyst |
Manuel Navas | analyst |
Good morning, and welcome, everyone, to the Provident Financial Services, Inc. Fourth Quarter Earnings Conference Call. [Operator Instructions]. I would now like to turn the call over to Adriano Duarte, Head and Investor Relations Officer. Please go ahead, sir.
Thank you, Christophe.