Jeff Schweitzer | President and Chief Executive Officer |
Brian Richardson | Executive Vice President and Chief Financial Officer |
Michael Keim | Senior Executive Vice President and President of Univest Bank and Trust Co |
Frank Schiraldi | Piper Sandler |
Michael Schiavone | KBW |
Good morning. And welcome to the Univest Financial Corporation's Fourth Quarter and Yearend 2019 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] Please note that this event is being recorded.
I would now like to turn the conference over to Jeff Schweitzer, President and CEO of Univest Financial Corporation.