Vince Delie | Chairman, President and Chief Executive Officer |
Lisa Constantine | Investor Relations |
Vince Calabrese | Chief Financial Officer |
Gary Guerrieri | Chief Credit Officer |
Michael Young | Truist Securities |
Frank Schiraldi | Piper Sandler |
Timur Braziler | Wells Fargo |
Michael Perito | KBW |
Russell Gunther | D. A. Davidson |
Samuel Varga | Stephens, Inc. |
Brian Martin | Janney Montgomery |
Hello, and welcome to the F.N.B. Corporation Fourth Quarter 2021 Earnings Call. All participants will be in listen-only mode. Should you need assistance [Operator Instructions]. Please note today's event is being recorded.