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Operator Ladies and gentlemen, welcome to Hanmi Financial Corporation s Fourth Quarter and Full-Year 2020 Conference Call. [Operator Instructions] Following the presentation, the conference will be opened for questions. I would now like to introduce Lasse Glassen, Managing Director at Addo Investor Relations. Mr. Glassen, the floor is yours. Lasse Glassen Managing Director Thank you, operator, and thank you all for joining us today. With me to discuss Hanmi Financial s fourth quarter and full-year 2020 earnings are Bonnie Lee, President and Chief Executive Officer; Anthony Kim, Chief Banking Officer; and Ron Santarosa, Chief Financial Officer. Ms. Lee will begin with an overview of the quarter. Mr. Kim will discuss loan and deposit activities and Mr. Santarosa will then provide more details on our operating performance. At the conclusion of our prepared remarks, we will open the session for questions.

United statesMatthew clark piper sandlerBonitai leeRon santarosaTimothy coffeyAnthony kimPiper sandlerLasse glassenKelly mottaDavid chiaverini wedbushGary tennerMatthew clarkBonnie leeDavid chiaveriniRomoloc santarosaHanmi financial corp