Jeff Schweitzer | President and CEO |
Roger Deacon | SEVP and CFO |
Mike Keim | President of Univest Bank and Trust |
Michael Perito | KBW |
Matthew Breese | Piper Jaffray |
Chris Reynolds | Neuberger Berman |
Frank Schiraldi | Sandler O'Neill |
Good morning and welcome to the Univest Corporation of Pennsylvania’s Third Quarter 2018 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today's presentation, there will an opportunity to ask questions. [Operator Instructions] Please note this event is being recorded. I would like to turn the conference over to Jeff Schweitzer, President and CEO of Univest Corporation of Pennsylvania.