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Operator Good day and welcome to the Texas Capital Bancshares Fourth Quarter 2020 Earnings Conference Call. [Operator Instructions] I would now like to turn the call over to Shannon Wherry, Director of Communications. Please go ahead. Shannon Wherry Senior Vice President and Director of Communications Good afternoon. Thank you for joining us for TCBI s fourth quarter 2020 earnings conference call. I m Shannon Wherry, Director of Communications. Before we begin, please be aware this call will include forward-looking statements that are based on our current expectations of future results or events. Forward-looking statements are subject to both known and unknown risks and uncertainties that could cause actual results to differ materially from these statements. Our forward-looking statements are as of the date of this call and we do not assume any obligation to update or revise them. Statements made on this call should be considered together with the cautionary ....