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First Niagara Financial Group's (FNFG) CEO Gary Crosby on Q3 2015 Results - Earnings Call Transcript


Ladies and gentlemen, thank you for standing by and welcome to the First Niagara Financial Group third quarter 2015 earnings conference call. During the presentation, all participants will be in a listen-only mode. And afterwards, we will conduct a question-and-answer session. [Operator Instructions]. As a reminder, this conference is being recorded today, Friday, October 23, 2015.

And I would now like to turn the conference over to Mr. Ram Shankar, Director of Investor Relations. Please go ahead.

Ram Shankar - Senior Vice President, Investor Relations

Thank you, Amanda and good morning, everyone. Thank you for joining us this morning. With me today are Gary Crosby, President and CEO and Greg Norwood, our Chief Financial Officer.

Before we begin, this presentation contains forward-looking information for First Niagara Financial Group. Such information constitutes forward-looking statements, which involve significant risks and uncertainties. Actual results may differ materially from the results discussed on those forward-looking statements. A copy of the earnings release and an earnings review deck are available under the Investor Relations...