Michael C. Rechin | President and CEO |
Mark Hardwick | COO and CFO |
John Martin | Chief Credit Officer |
Scott Siefers | Sandler O’Neill and Partners |
Nathan Race | Piper Jaffrey |
Damon DelMonte | KBW |
Good day and welcome to the First Merchants Third Quarter 2018 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] This presentation contains forward-looking statements made pursuant to the Safe Harbor Provisions of the Private Securities Litigation Reform Act. Such forward-looking statements can often be identified by the use of words like belief, intend, anticipate, expect, should, could ,might or may.