John Ciulla | President and CEO |
Glenn MacInnes | EVP and CFO |
Chad Wilkins | President, HSA Bank |
Steven Alexopoulos | JPMorgan |
Collyn Gilbert | KBW |
David Chiaverini | Wedbush Securities |
Timur Braziler | Wells Fargo Securities |
Matthew Breese | Piper Jaffray |
Casey Haire | Jefferies |
Meng Jiao | Deutsche Bank |
Good morning and welcome to Webster Financial Corporation's Fourth Quarter 2017 Results Conference Call. This conference is being recorded. Also, this presentation includes forward-looking statements within the Safe Harbor provisions of the Private Securities Litigation Reform Act of 1995 with respect to Webster's financial condition, results of operations, and business and financial performance. Webster has based these forward-looking statements on current expectations and projections about future events. Actual results might differ materially from those projected in the forward-looking statements.