Q4 2019 Cullen/Frost Bankers Inc Earnings Call Transcript
Ladies and gentlemen, thank you for standing by and welcome to the Frost Fourth Quarter and Full Year 2019 Earnings Conference Call. (Operator Instructions). Please be advised that today's conference is being recorded. (Operator Instructions) I would now like to hand the conference over to your speaker today, A.B. Mendez, Senior Vice President and Director of Investor Relations. Thank you. Please go ahead.
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Thanks, Chantelle. This morning's conference call will be led by Phil Green, Chairman and CEO; and Jerry Salinas, Group Executive Vice President and CFO.
Before I turn the call over to Phil and Jerry, I need to take a moment to address the safe harbor provisions. Some of the remarks made today will constitute forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995 as amended. We intend such statements to be covered by the safe harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform
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