Kate Croft | executive |
Martin Birmingham | executive |
Jack Plants | executive |
Nicholas Cucharale | analyst |
Sean M. Willett | executive |
Damon Del Monte | analyst |
Alexander Roberts Twerdahl | analyst |
Matthew Breese | analyst |
Hello, and welcome to today's Financial Institutions, Inc. Announces Third Quarter 2023 Results. My name is Elliot, and I will be coordinating your call today. [Operator Instructions]
I'd now like to hand over to Kate Croft, Director of Investor Relations.