Operator
Good morning. My name is Amy and I will be your conference operator today. I would like to welcome everyone to the Eastern Bankshares, Inc. Q4 2020 earnings call.
Today s call will include forward-looking statements, including statements about Eastern s future financial and operating results, outlook, business strategies, and plans, as well as other opportunities and potential risks that management foresees. Such forward-looking statements reflect management s current estimates or beliefs and are subject to known and unknown risks and uncertainties that may cause actual results or the timing of events to differ materially from those expressed or implied in such forward-looking statements. Listeners are referred to the disclosure set forth under the caption forward-looking statements in the earnings press release, as well as the risk factors and other disclosures contained in the company s recent filings with the Securities and Exchange Commission for more information about
Operator
Good day, and welcome to the Camden National Corporation s Fourth Quarter 2020 Earnings Conference Call. My name is Tom and I will be your operator for today s call. [Operator Instructions]
Please note that this presentation contains forward-looking statements, which involve significant risks and uncertainties that may cause actual results to vary materially from those projected in the forward-looking statements. Additional information concerning factors that could cause actual results to differ materially from those in such forward-looking statements are described in the Company s earnings press release, the Company s 2019 annual report on Form 10-K and other filings with the SEC. The Company does not undertake any obligation to update any forward-looking statements to reflect circumstances or events that occur after the forward-looking statements are made. Any references in today s presentation to non-GAAP financial measures are intended to provide meaningful insights an