Matthew Lazzaro | Manager of Investor Relations |
Vince Delie | Chairman, President & Chief Executive Officer |
Gary Guerrieri | Chief Credit Officer |
Vince Calabrese | Chief Financial Officer |
Frank Schiraldi | Piper Sandler |
Casey Haire | Jefferies |
Jared Shaw | Wells Fargo Securities |
Michael Young | Truist Securities |
Brody Preston | Stephens Inc. |
Brian Martin | Janney McMurray |
Hello and welcome to the F.N.B. Corporation Fourth Quarter 2020 Quarterly Earnings 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, today's event is being recorded.