Matthew Lazzaro | Manager of IR |
Vincent Delie | President and CEO |
Gary Guerrieri | CCO |
Vincent Calabrese | CFO |
Jared Shaw | Wells Fargo |
Michael Young | SunTrust |
Casey Haire | Jefferies |
Russell Gunther | D.A. Davidson |
Austin Nicholas | Stephens |
Frank Schiraldi | Sandler O’Neil & Partners |
Collyn Gilbert | KBW |
Brian Martin | FIG partners |
Good morning and welcome to the F.N.B. Corporation Fourth quarter Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note, this event is being recorded.