Lisa Hajdu | executive |
Vincent J. Delie | executive |
Gary L. Guerrieri | executive |
Vincent J. Calabrese | executive |
Daniel Tamayo | analyst |
Russell Elliott Gunther | analyst |
Kelly Motta | analyst |
Manuel Navas | analyst |
Frank Schiraldi | analyst |
Brian Martin | analyst |
Good morning, everyone, and welcome to the F.N.B. Fourth Quarter 2024 Earnings Conference Call [Operator Instructions]. After today's presentation, there will be an opportunity to ask questions. [Operator Instructions]. Please also note this event is being recorded.