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Operator Good day, and welcome to the Sterling Bancorp Inc. fourth-quarter 2020 earnings conference call. [Operator instructions] After today s presentation, there will be an opportunity to ask questions. Please note, this event is being recorded. I would now like to turn the conference over to Stephen Huber, chief financial officer and treasurer. Please go ahead, sir. Steve Huber Chief Financial Officer and Treasurer Thank you, Chad, and good afternoon, everyone. Thanks for joining us to today to discuss Sterling Bancorp s financial results for the fourth quarter and year ended December 31, 2020. Joining us today from Sterling s management team are Tom O Brien, chairman, president, and CEO; and myself, Stephen Huber, chief financial officer and treasurer. Before we begin, I d like to remind you that this conference call contains forward-looking statements with respect to the future performance and financial condition of Sterling Bancorp that involve risks and uncertainties.

United statesSan franciscoJeremy zhuTracey dedrickBen gerlingerSteve huberNick cucharale piper sandlerPiper sandlerBarry allenTom obrienStephen huberAnthony poliniNick cucharaleBen gerlinger hovde group analystSterling bancorp incHovde group