Provident Financial Services, Inc

Hello and welcome to today's Provident Financial Services Incorporated fourth quarter earnings conference call. My name is Bailey and I'll be the moderator for today's call. All lines will be muted during the presentation portion of the call with an opportunity for questions and answers at the end. If you would like to ask a question, please press star followed by one on your telephone keypad. I would now like to pass the conference over to our host, Adriano Duarte, Head of Investor Relations. Please go ahead.

Thank you, Bailey. Good morning, everyone, and thank you for joining us for our fourth quarter earnings call. Today's presenters are President and CEO Tony Labazzetta and Senior Executive Vice President and Chief Financial Officer Tom Lyons. Before beginning the review of our financial results, we ask that you please take note of our standard of caution as to any forward looks and statements that may be made during the course of today's call. Our full disclaimer is contained in this morning's earnings release, which has been posted to the investor relations page on our website, provident.bank. Now, it's my pleasure to introduce Tony Lavazzetta, who will offer his perspective on the fourth quarter results. Tony.

Thank you, Adriano, and good morning, everyone.