Kristen Manginelli | Director, IR |
John Ciulla | Chairman, President, and CEO |
Glenn MacInnes | CFO |
Chris McGratty | KBW |
Matthew Breese | Stephens, Inc. |
Brock Vandervliet | UBS |
Laurie Hunsicker | Compass Point |
Casey Haire | Jefferies |
Good morning, and welcome to the Webster Financial Corporation Fourth Quarter 2021 Earnings Conference Call. [Operator Instructions] Please note, this event is being recorded. I would now like to introduce Webster's Director of Investor Relations, Kristen Manginelli, to introduce the call. Mrs. Manginelli, please go ahead.