John Ciulla | President, Chief Executive Officer |
Glenn MacInnes | Executive Vice President, Chief Financial Officer |
Chad Wilkins | President, HSA Bank |
Terry Mangan | Director, Investor Relations |
Steven Alexopoulos | JP Morgan |
Collyn Gilbert | KBW |
Mark Fitzgibbon | Piper Sandler |
David Chiaverini | Wedbush Securities |
Jared Shaw | Wells Fargo Securities |
Laurie Hunsicker | Compass Point |
Matthew Breese | Stephens |
Good morning and welcome to Webster Financial Corporation’s fourth quarter 2019 earnings call. I will now introduce Webster’s Director of Investor Relations, Terry Mangan. Please go ahead, sir.
Thank you Michelle. Welcome to Webster.