Operator Good afternoon, ladies and gentlemen, thank you for standing by and welcome to Central Pacific Financial Corp.'s Fourth Quarter 2020 Conference Call. [Operator Instructions] This call is being recorded and will be available for replay shortly after its completion on the Company's website at www.cpb.bank. Now I'd like to turn the call over to Mr. David Morimoto, Executive Vice President and Chief Financial Officer. Please go ahead. David S. Morimoto -- Executive Vice President, Chief Financial Officer Thank you, Nick. Thank you all for joining us as we review the financial results for the fourth quarter of 2020 for Central Pacific Financial Corp. With me this morning are Paul Yonamine, Chairman and Chief Executive Officer; Catherine Ngo, President; Arnold Martines, Executive Vice President and Chief Banking Officer; and Anna Hu, Executive Vice President and Chief Credit Officer.