Erin Duggan | IR, Manager |
Michael Daly | President, CEO & Director |
James Moses | Senior Executive VP, CFO, Principal Accounting Officer & Head of IR |
Sean Gray | Senior EVP & COO |
Richard Marotta | Senior EVP |
Laurie Hunsicker | Compass Point Research & Trading |
Sean Tobin | FIG Partners |
Collyn Gilbert | KBW |
Broderick Preston | Piper Jaffray Companies |
Good morning, and welcome to the Berkshire Hills Bancorp Q3 Earnings Release Conference Call. [Operator Instructions]. Please note, this event is being recorded. I would now like to turn the conference over to Erin Duggan, Investor Relations Manager. Please go ahead.