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Operator Welcome to Signature Bank s 2020 Fourth Quarter and Fiscal Year-End Results Conference Call. Hosting the call today from Signature Bank are Joseph J. DePaolo, President and Chief Executive Officer; and Eric R. Howell, Senior Executive Vice President, Corporate and Business Development. [Operator Instructions] It is now my pleasure to turn the floor over to Joseph J. DePaolo, President and Chief Executive Officer, you may begin. Joseph J. DePaolo President and Chief Executive Officer Thank you, Laurie. Good morning and thank you for joining us today for the Signature Bank 2020 fourth quarter and year-end results conference call. Before I begin my formal remarks, Susan Lewis will read the forward-looking disclaimer. Please go ahead, Susan.

New yorkUnited statesSan franciscoDavid rochesterAmerica merrill lynchJosephj depaoloEricr howellKen zerbeEbrahim poonawalaKen zerbe morgan stanleyLos angelesSteven alexopoulosJared shawSusan lewisMatthew breeseSusan turkell lewis