Terry Mangan | Director, IR |
John Ciulla | Chairman and CEO |
Glenn MacInnes | CFO |
Chad Wilkins | President, HSA Bank |
Jason Soto | Chief Credit Officer |
Steven Alexopoulos | JP Morgan |
Chris O'Connell | KBW |
Brock Vandervliet | UBS |
Mark Fitzgibbon | Piper Sandler |
Timur Braziler | Wells Fargo |
Laurie Hunsicker | Compass Point |
Steven Duong | RBC Capital Markets |
William Wallace | Raymond James |
Bernard Horn | Polaris Capital Management |
Good morning, and welcome to Webster Financial Corporation’s Fourth Quarter 2020 Earnings Call. At this time, all participants are in a listen-only mode. [Operator Instructions] As a reminder, this conference is being recorded. I would now like to introduce Webster’s Director of Investor Relations, Terry Mangan to introduce the call. Please go ahead, sir.