Fulton Financial Corp. ( FULT) Q3 2010 Earnings Call October 20, 2010 10:00 am ET Executives Laura Wakeley - SVP & Corporate Communications Manager Scott Smith - Chairman & Chief Executive Officer Phil Wenger - President & COO Charlie Nugent - Senior EVP & CFO Analysts Frank Schiraldi - Sandler O'Neill Matthew Clark - KBW Rick Weiss - G&E Matt Schultheis - Boenning & Scattergood David Darst - Guggenheim Securities Bruce Harting - Barclays Capital David West - Davenport & Company Travis Lan - Stifel Nicolaus PresentationOperator
Good day and welcome to the Fulton Financial third quarter 2010 earnings teleconference. Today's call is being recorded. At this time for opening remarks and introductions, I would like to turn the call over to Laura Wakeley, Senior Vice President and Corporate Communications Manager. Please go ahead Laura Wakeley Thank you. Good morning. Thank you for joining us for Fulton Financial Corporation conference call and webcast to discuss our earnings for the third quarter of 2010. Your host for today's conference call is Scott Smith, Chairman and Chief Executive Officer of Fulton Financial. Joining him are Phil Wenger, President and Chief Operating Officer; and Charlie Nugent, Senior Executive Vice President and Chief Financial Officer. Our comments today will refer to the financial information included with our earnings announcement, which we released at 4:30 yesterday afternoon. These documents can be found on our website at fult.com by clicking on Investor Relations and then on News. On this call representatives of Fulton may make forward-looking statements with respect to Fulton's financial conditions, results of operations and business. These forward-looking statements are not guarantees of future performance and are subject to risks, uncertainties and other factors, some of which are beyond Fulton's control and difficult to predict and could cause actual results to differ materially from those expressed or forecasted in the forward-looking statements.