Mark Tryniski | President, Chief Executive Officer |
Scott Kingsley | Executive Vice President, Chief Financial Officer |
Alex Twerdahl | Sandler O��Neill |
Collyn Gilbert | KBW |
Russell Gunther | D.A. Davidson |
Jake Civiello | RBC Capital Markets |
Matthew Breese | Piper Jaffray |
Joe Fenech | Hovde Group |
Good day. And welcome to this Community Bank System Fourth Quarter and Year End 2017 Earnings Conference Call. Please note that this presentation contains forward-looking statements within the provision of the Private Securities Litigation Reform Act of 1995 that are based on current expectations, estimates, and projections about the industry, markets, and economic environment in which the Company operates. Such statements involve risks and uncertainties that could cause actual results to differ materially from the results discussed in these statements. These risks are detailed in the Company’s Annual Report and Form 10-K filed with the Securities and Exchange Commission.