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Operator Hello, and welcome to the F.N.B Corporation Fourth Quarter 2020 Quarterly Earnings Conference Call. [Operator Instructions] Please note, today s event is being recorded. I will now turn the conference over to Matthew Lazzaro, Manager of Investor Relations. Mr. Lazzaro, please go ahead. Matthew Lazzaro Investor Relations Thank you. Good morning everyone and welcome to our earnings call. This conference call of F.N.B Corporation and the reported files with the Securities and Exchange Commission often contain forward-looking statements and non-GAAP financial measures. Non-GAAP financial measures should be viewed in addition to, and not as an alternative for our reported results prepared in accordance with GAAP. Reconciliations of GAAP to non-GAAP operating measures to the most directly comparable GAAP financial measures are included in our presentation materials and in our earnings release. Please refer to these non-GAAP and forward-looking statement d ....