Jill Hewitt | SVP & IR |
Christopher Maher | Chairman & CEO |
Joseph Lebel | President & COO |
Michael Perito | KBW |
David Bishop | Hovde Group |
Matthew Breese | Stephens Inc. |
Manuel Navas | D.A. Davidson |
Good morning. Thank you for attending today's OceanFirst Financial Corp. Earnings Conference Call. My name is Bethany, and I'll be your moderator for today's call. All lines will be muted during the presentation portion of the call with an opportunity for questions-and-answers at the end.