Allyson Pooley | Investor Relations, Financial Profiles Inc. |
Gary Judd | Chairman and CEO |
Tom Lopp | Chief Operating Officer and Chief Financial Officer |
Michael Montemayor | President Retail and Commercial Banking and Chief Lending Officer |
Aaron Deer | Sandler O'Neill and Partners |
Anthony Polini | American Capital Partners |
Good afternoon, and welcome to the Sterling Bancorp Second 2018 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] Please note that this event is being recorded. I would now like to turn the conference over to Allyson Pooley of Financial Profiles. Please go ahead.