Daniel J. Schrider | President and CEO |
Phil Mantua | CFO |
Ron Kuykendall | General Counsel |
Catherine Mealor | KBW |
Austin Nicholas | Stephens |
Steve Comery | G. Research |
Good day and welcome to the Sandy Spring Bancorp Earnings Conference Call and Webcast for the Third Quarter 2018. All participants will be in listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note, today's event is being recorded. I would now like to turn the conference over to Mr.