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Operator Good day, ladies and gentlemen and welcome to Hancock Whitney Corporation s Fourth Quarter 2020 Earnings Conference Call. [Operator Instructions] I would now like to introduce your host for today s conference, Trisha Carlson, Investor Relations Manager. You may begin. Trisha Voltz Carlson Executive Vice President and Investor Relations Manager Thank you and good afternoon. During today s call, we may make forward-looking statements. We would like to remind everyone to carefully review the Safe Harbor language that was published with the earnings release and presentation in the Company s most recent 10-K and 10-Q, including the risks and uncertainties identified therein. You should keep in mind that any forward-looking statements made by Hancock Whitney speak only as of the date on which they were made. As everyone understands the current economic environment is rapidly evolving and changing.

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