Jay Sidhu | Chairman, Chief Executive Officer |
Richard Ehst | President, Chief Operating Officer |
Robert Wahlman | Executive Vice President, Chief Financial Officer |
Bob Ramsey | Director, Investor Relations and Strategic Planning |
Steve Moss | B. Riley FBR |
Michael Perito | KBW |
Russell Gunther | DA Davidson |
Bill Desellum | Titan Capital |
Good morning and welcome to the third quarter 2018 Customers Bancorp Incorporated earnings call. Today’s call is being recorded. At this time, I would like to turn the call over to Mr. Bob Ramsey. Please go ahead, sir.