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Operator Good morning, and welcome to United Community Bank s First Quarter 2021 Earnings Call. Hosting the call today are Chairman and Chief Executive Officer, Lynn Harton; Chief Financial Officer, Jefferson Harralson; President and Chief Banking Officer, Rich Bradshaw; and Chief Risk Officer, Rob Edwards. United s presentation today includes references to operating earnings, pre-tax, pre-credit earnings and other non-GAAP financial information. For these non-GAAP financial measures, United has provided a reconciliation to the corresponding GAAP financial measure in the financial highlights section of the earnings release, as well as at the end of the investor presentation. Both are included on the website at ucbi.com. Copies of the first quarter s earnings release and investor presentation were filed last night on Form 8-K with the SEC and a replay of this call will be available in the Investor Relations section of the Company s website at ucbi.com. Please be aware that during th

Roberta edwardsRob edwardsJefferson harralsonLynn hartonH lynn hartonUnited community banks incUnited community bank first quarterUnited community bankFirst quarterChief executive officerChief financial officerChief banking officerRich bradshawChief risk officerInvestor relationsSenior care