Matthew Lazzaro | Manager, Investor Relations |
Vince Delie | Chairman, President and Chief Executive Officer |
Vince Calabrese | Chief Financial Officer |
Gary Guerrieri | Chief Credit Officer |
Frank Schiraldi | Piper Jaffray |
Jared Shaw | Wells Fargo |
Michael Young | SunTrust |
Brody Preston | Stephens Inc. |
Russell Gunther | D.A. Davidson |
Collyn Gilbert | KBW |
Brian Martin | Janney Montgomery |
Hello and welcome to the F.N.B. Corporation Fourth Quarter 2019 Quarterly Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] Please note this call is being recorded. I would now like to turn the conference over to your host today, Matthew Lazzaro, Manager of Investor Relations.