Christopher Oddleifson | President & CEO |
Robert Cozzone | CFO & EVP of Consumer & Business Banking |
Laurie Hunsicker | Compass Point |
Brody Preston | Piper Jaffray |
Collyn Gilbert | KBW |
Good morning and welcome to the Independent Bank Corporation Fourth Quarter 2018 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions]. After today’s presentation there’ll be an opportunity to ask questions. [Operator Instructions].