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Operator Good day and welcome to the EFSC Earnings Conference Call. Today s conference is being recorded. At this time, I would like to turn the conference over to Jim Lally, President and CEO. Please go ahead. James B. Lally President and Chief Executive Officer Well, thank you, Shelby, and good morning and welcome to our fourth quarter earnings call. I appreciate all of you taking time to listen in. Joining me this morning is Keene Turner, our company s Chief Financial Officer and Chief Operating Officer; Scott Goodman, President of Enterprise Bank & Trust; and Doug Bauche, Chief Credit Officer. Before we begin, I would like to remind everyone on the call that a copy of the release and accompanying presentation can be found on our website. The presentation and earnings release were furnished on SEC Form 8-K yesterday. Please refer to Slide 2 of the presentation titled Forward-Looking Statements and our most recent 10-K and 10-Q for reasons why actual results may vary from a

New mexicoUnited statesDoug baucheDouglasn baucheKeene turnerScott goodmanJim lallyPiper sandlerJamesb lallyKeenes turnerAndrew lieschMichael schiavoneAndrew liesch piper sandlerScottr goodmanEnterprise financial services corpEnterprise bank