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Operator Ladies and gentlemen, thank you for standing by and welcome to the BankUnited, Inc., Fourth Quarter and Fiscal Year 2020 Earnings Conference Call. [Operator Instructions] Please be advised that today s conference is being recorded. [Operator Instructions] I would now like to hand the conference over to your speaker today, Susan Greenfield, Corporate Secretary. Please go ahead, ma am. Susan Wright Greenfield Investor Relations, Corporate Secretary Thank you, Victor. Good morning and thank you for joining us today on our fourth quarter and fiscal year 2020 results conference call. On the call this morning are Raj Singh, our Chairman, President and CEO; Leslie Lunak, our Chief Financial Officer; and Tom Cornish, our Chief Operating Officer. Before we start, I d like to remind everyone that this call may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that reflects the company s current views with respect to,

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