Emlen Harmon | executive |
John Ciulla | executive |
Glenn MacInnes | executive |
Mark Fitzgibbon | analyst |
Matthew Breese | analyst |
Christopher McGratty | analyst |
Casey Haire | analyst |
Manan Gosalia | analyst |
Daniel Tamayo | analyst |
Steven Alexopoulos | analyst |
Broderick Preston | analyst |
Jon Arfstrom | analyst |
Bernard Von Gizycki | analyst |
Benjamin Gerlinger | analyst |
Laura Havener Hunsicker | analyst |
Timur Braziler | analyst |
Good morning. Welcome to the Webster Financial Corporation's Fourth Quarter 2023 Earnings Conference Call. Please note this conference is being recorded. I would now like to introduce Webster's Director of Investor Relations, Emlen Harmon to introduce the call. Mr.