Robert J. McCormick | President and Chief Executive Officer |
Mike Ozimek | Chief Financial Officer |
Scot Salvador | Chief Lending Officer |
Alex Twerdahl | Sandler O’Neill |
Good morning, and welcome to the TrustCo Bank Corp Third Quarter 2018 Earnings Call and Webcast. All participants will be in listen-only mode. [Operator Instructions] After today’s presentation, there will be an opportunity to ask questions. [Operator Instructions] Before proceeding, we would like to mention that this presentation may contain forward-looking information about TrustCo Bank Corp New York that is intended to be covered by the Safe Harbor for forward-looking statements provided by the Private Securities Litigation Reform Act of 1995. Actual results and trends could differ materially from those set forth in such statements due to various risks, uncertainties and other factors.