Lisa Hajdu | executive |
Vincent J. Delie | executive |
Gary L. Guerrieri | executive |
Vincent J. Calabrese | executive |
Daniel Tamayo | analyst |
Frank Schiraldi | analyst |
Timur Braziler | analyst |
Casey Haire | analyst |
Michael Perito | analyst |
Russell Elliott Gunther | analyst |
Manuel Navas | analyst |
Brian Martin | analyst |
Good morning, everyone, and welcome to the F.N.B. Corporation Fourth Quarter 2023 Earnings Conference Call. [Operator Instructions] Please also note, today's event is being recorded. At this time, I'd like to turn the floor over to Lisa Hajdu, Manager of Investor Relations. Ma'am? Please go ahead.