Fulton Financial Corporation

Good day, everyone, and welcome to the Fulton Financial third quarter 2021 results conference call. At this time, all participants are in a listen-only mode. Following management's prepared remarks, we will host a question-and-answer session, and our instructions will be given at that time. If during your conference call today you do require operators assistance, please press star then zero, and an operator will be happy to assist you. As a reminder, this conference call may be recorded. It is now my pleasure to hand the conference over to Mr. Matt Joswak, Director of Investor Relations. You may proceed.

Good morning and thanks for joining us for Fulton Financial's conference call and webcast to discuss our earnings for the third quarter of 2021. Your host for today's conference call is Phil Wenger, Chairman and Chief Executive Officer. Joining Phil are Kurt Myers, President and Chief Operating Officer, and Mark McCollum, Chief Financial Officer. Our comments today will refer to the financial information and related slide presentation included with our earnings announcements, which we released yesterday afternoon. These documents can be found on our website at fult.com by clicking on investor relations and then on news. The slides can also be found in the presentations page under our investor relations website. On this call, representatives of Fulton may make forward-looking statements with respect to Fulton's financial condition, results of operations, and business. These statements are not guaranteed. Thank you. Thank you. Thank you. In discussing Fulton's performance, representatives of Fulton may refer to certain non-GAAP financial measures. Please refer to the supplemental financial information included with Fulton's earnings announcement released yesterday in slides 10 and 11 of today's presentation for a reconciliation of those non-GAAP financial measures to the most comparable GAAP measures.

Now I'd like to turn the call over to your host, Phil Winger. Thanks, Matt. Good morning, everyone. I'll begin with some overall thoughts on the quarter, and then Curtis Myers will discuss our business performance, and Mark McCollum will share the details of our financial performance. And after that, we'll answer any questions you may have. Holton's performance was again solid in the third quarter of 2021. Earnings per share of 45 cents was an Thank you for joining us today. As I noted last quarter, we have seen several mergers and acquisitions in and around our footprint and that trend has continued in the third quarter. Fulton has taken a look at select opportunities that might be a good fit for us and we remain interested in supporting our future growth through M&A. We're particularly interested in those companies which would be a good fit for Fulton's strategy and our community-oriented style of banking. Thank you for joining us. Throughout the past year, I've referenced the challenges brought about by COVID-19. Now, as vaccination rates continue to rise throughout the markets we serve, I focus moving forward with our previously announced plans to begin bringing more of our team members back to on-site work beginning the week of November 1st. We are really proud of how our team members have adapted to constantly changing circumstances, and we are pleased to have provided an essential service that our customers could depend on throughout the pandemic. As we reunite our team, we remain focused on achieving our three main priorities of growing the company, achieving operational excellence, and sustaining effective risk management and compliance. Now I'll turn things over to Kurt to discuss our business performance. Thank you, Phil, and good morning, everyone.