Bill Cimino | VP, IR |
John Asbury | President & CEO |
Rob Gorman | EVP & CFO |
Maria Tedesco | President |
Shawn O’Brien | Executive Vice President & Consumer Banking Group Executive |
Kelly Dakin | Head of Digital Strategy and Customer Experience |
Casey Whitman | Piper Sandler |
Catherine Mealor | TBW |
William Wallace | Raymond James |
Brody Preston | Stephens Inc |
Laurie Hunsicker | Compass Point |
Eugene Koysman | Barclay |
Ladies and gentlemen, thank you for standing by. And welcome to the Atlantic Union Bankshares Fourth Quarter and Full Year 2019 Earnings Call. At this time, all participants are in a listen-only mode. After the speakers’ presentation, there will be a question-and-answer session. [Operator Instructions] I would now like to hand the conference over to your speaker today, Mr.