Kate Croft | executive |
Martin Birmingham | executive |
Jack Plants | executive |
Nicholas Cucharale | analyst |
Reid Whiting | executive |
Damon Del Monte | analyst |
Alexander Roberts Twerdahl | analyst |
Matthew Breese | analyst |
Thank you all for joining. I would like to welcome you all to the Financial Institutions, Inc. Fourth Quarter and Full Year 2023 Earnings Call. My name is [ Breeka ], and I will be your event specialist running today's call with you. [Operator Instructions].