David Gonci | IR Manager |
Bill Dunleavy | Chairman of the Board of Directors |
Sean Gray | Acting CEO |
Jamie Moses | CFO |
Georgia Melas | Chief Credit Officer |
George Bacigalupo | Commercial Banking Leader |
Greg Lindenmuth | Chief Risk Officer |
Mark Fitzgibbon | Piper Sandler |
Laurie Hunsicker | Compass Point |
Good morning, and welcome to the Berkshire Hills Bancorp Q4 Earnings Release 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 David Gonci, Investor Relations Manager.