Kenneth Mahon | President, CEO |
Avinash Reddy | Executive VP & CFO |
Leslie Veluswamy | CAO |
Mark Fitzgibbon | Sandler O'Neill & Partners |
Collyn Gilbert | KBW |
Matthew Breese | Piper Jaffray |
Good day, and welcome to the fourth quarter and fiscal year 2018 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Mr.