Matt Jozwiak | Director, IR |
Curt Myers | Chairman & CEO |
Mark McCollom | Senior Executive Vice President & CFO |
Frank Schiraldi | Piper Sandler |
Daniel Tamayo | Raymond James |
Chris McGratty | KBW |
Feddie Strickland | Janney Montgomery Scott |
David Bishop | Hovde Group |
Manuel Navas | D.A. Davidson |
Good day, and thank you for standing by. Welcome to the Fulton Financial Fourth Quarter 2022 Results Conference Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there'll be a question-and-answer session. [Operator Instructions] Please be advised that today's conference is being recorded.