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Operator Welcome to Wintrust Financial Corporation s Second Quarter and year-to-date 2021 Earnings Conference Call. A review of the results will be made by Edward Wehmer, Founder and Chief Executive Officer; Tim Crane, President; David Dykstra, Vice Chairman and Chief Operating Officer; and Richard Murphy, Vice Chairman and Chief Lending Officer. As part of the reviews, the presenters may make reference to both the earnings press release and the earnings release presentation. Following the presentation, 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 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

United statesTerry mcevoyDavid longRaymond jamesRichard murphyDavid dykstraTerry mcevoy stephensJon arfstromDave stoehrEdward wehmerDave dykstraKate boegeTim craneWelcome to wintrust financial corporation second quarterWintrust financial corpWintrust financial corporation