Christopher Oddleifson | President and Chief Executive Officer |
Mark Ruggiero | Chief Financial Officer and Chief Accounting Officer |
Gerard Nadeau | President of Rockland Trust Company |
Mark Thomas Fitzgibbon | Sandler O'Neill + Partners, L.P |
David Bishop | Seaport Global |
Laurie Hunsicker | Compass Point Research & Trading LLC |
Chris O'Connell | KBW |
Good day, and welcome to the Independent Bank Corp’s Fourth Quarter 2021 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] Before proceeding, please note that during this call, we will be making forward-looking statements. Actual results may differ materially from these statements due to a number of factors, including those described in our earnings release and other SEC filings.