Matt Jozwiak | Senior Vice President, Financial Planning & Analysis Manager, Commercial Bank |
Phil Wenger | Chairman & Chief Executive Officer |
Curt Myers | President & Chief Operating Officer |
Mark McCollom | Chief Financial Officer |
Chris McGratty | KBW |
Frank Schiraldi | Piper Sandler |
Daniel Tamayo | Raymond James |
Erik Zwick | Boenning & Scattergood |
Russell Gunther | D.A. Davidson |
Matthew Breese | Stephens Inc. |
Ladies and gentlemen, thank you for standing by and welcome to the Fulton Financial Third Quarter 2020 Results Conference Call. At this time all participants are in a listen-only mode. After the speakers’ presentation, there will be a question-and-answer session. [Operator Instructions] Please be advised that today's conference may be recorded. [Operator Instructions] I would like to hand the conference over to one of your speakers today Mr.