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Operator Good day, and welcome to the UMB Financial Fourth Quarter and Full Year End 2020 Financial Results Conference Call. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to Kay Gregory. Please go ahead. Kay Gregory Investor Relations Good morning, and welcome to our fourth quarter and year end 2020 call. Mariner Kemper, President and CEO, and Ram Shankar, CFO, will share a few comments about our results. Jim Rine, CEO of UMB Bank, and Tom Terry, Chief Credit Officer, will also be available for the question-and-answer session. Before we begin, let me remind you that today s presentation contains forward-looking statements, all of which are subject to assumptions, risks and uncertainties, including the currently unknown potential impacts of the COVID-19 crisis. These risks are included in our SEC filings and are summarized on Page 2 of our presentation. Actual results and other future circumstances or aspiratio

New yorkUnited statesSalt lake cityDavid longRaymond jamesKay gregoryEbrahim poonawalaMariner kemperJared shawTom terryPiper jaffrayBram shankarChris mcgrattyChristopher mcgratty keefeWoods incEbrahim poonawala bank