Terry Mangan | Director of Investor Relations |
John Ciulla | President and Chief Executive Officer |
Glenn MacInnes | Chief Financial Officer and Executive Vice President |
Chad Wilkins | HSA Bank President |
Steven Alexopoulos | J.P. Morgan |
Collyn Gilbert | KBW |
David Chiaverini | Wedbush Securities |
Laurie Hunsicker | Compass Point |
Jared Shaw | Wells Fargo Securities |
Good morning and welcome to Webster Financial Corporation’s Third Quarter 2019 Earnings Call. At this time, all participants are in a listen only mode. A question-and-answer session will follow the formal presentation. [Operator Instructions]. Please note this conference is being recorded.