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Operator Good morning, and welcome to the Triumph Bancorp Conference Call to discuss our Fourth Quarter and Full-Year 2020 Financial Results. [Operator Instructions] After today s presentation, there will be an opportunity to ask questions. [Operator Instructions] I would now like to turn the conference over to Luke Wyse, Senior Vice President, Finance and Investor Relations. Please go ahead. Luke Wyse Senior Vice President, Finance and Investor Relations Good morning. Welcome to the Triumph Bancorp conference call to discuss our fourth quarter and full-year 2020 financial results. Before we get started, I d like to remind you that this presentation may include forward-looking statements. Those statements are subject to risks and uncertainties that could cause actual and anticipated results to differ. The company undertakes no obligation to publicly revise any forward-looking statement.

United statesR bryce fowlerBryce fowlerGeoff brennerLuke wyseRaymond jamesPiper sandlerTodd ritterbuschMichael rose raymond jamesBrad milsaps piper sandlerBrad milsapsEl pasoMichael roseMatt olneyTriumphpay select carrier programTriumph bancorp inc