Chris Oddleifson | President and CEO |
Mark Ruggiero | CFO |
Rob Cozzone | COO |
Mark Fitzgibbon | Piper Sandler |
David Bishop | D.A. Davidson |
Collyn Gilbert | KBW |
Bernard Horn | Polaris Capital |
Good day and welcome to the Independent Bank Corp. Fourth Quarter 2019 Earnings Call and Webcast. [Operator Instructions]
Before proceeding, let me mention that this call may contain forward-looking statements with respect to the financial conditions, results of operations and business of Independent Bank Corp. Actual results may be different.