Terry Mangan | Director, IR |
John Ciulla | President & CEO |
Glenn MacInnes | EVP & CFO |
Chad Wilkins | HSA Bank-President |
Steven Alexopoulos | J.P. Morgan |
David Chiaverini | Wedbush Securities |
Jared Shaw | Wells Fargo Securities |
Matthew Breese | Piper Jaffray |
Good morning, and welcome to Webster Financial Corporation's Fourth Quarter 2018 Earnings Conference Call. I will now introduce Webster's Director of Investor Relations, Terry Mangan. Please go ahead, sir.
Thank you, Christine. Welcome to Webster.