Operator
Welcome to Wintrust Financial Corporation s Fourth Quarter and Year-to-Date 2020 Earnings Conference Call. Following a review of the results by Edward Wehmer, Founder and Chief Executive Officer and David Dykstra, Vice Chairman and Chief Operating Officer, there will be a formal question-and-answer session. During the course of today s call, Wintrust management may make statements that constitute projections, expectations, beliefs or similar similar forward-looking statements. Actual results could differ materially from the results anticipated or projected in any such forward-looking statements. The Company s forward-looking assumptions that could cause the actual results to differ materially from the information discussed during this call are detailed in our earnings press release and in the Company s most recent Form 10-K and any subsequent filings on file with the SEC.