Matt Lazzaro | Investor Relations |
Vince Delie | Chairman, President and Chief Executive Officer |
Gary Guerrieri | Chief Credit Officer |
Vince Calabrese | Chief Financial Officer |
Frank Schiraldi | Sandler O'Neill & Partners |
Austin Nicholas | Stephens Inc. |
Michael Young | SunTrust |
Casey Haire | Jefferies |
Collyn Gilbert | KBW |
Russell Gunther | D.A. Davidson |
Brian Martin | FIG Partners |
Hello. And welcome to the F.N.B. Corporation's Third Quarter 2018 Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions] Please note this conference is being recorded.