Operator Good day, and welcome to the Fourth Quarter and Full Year 2020 Earnings Call and Webcast. [Operator Instructions]. Please note, this event is being recorded. I would now like to turn the conference over to Scott Crawley, Corporate Controller. Please go ahead. Scott T. Crawley -- Corporate Controller and Principal Accounting Officer Thank you, Sarah. Good morning, everyone, and thank you for joining us on today's conference call to discuss First Financial Bancorp's fourth quarter and full year 2020 financial results. Participating on today's call will be Archie Brown, President and Chief Executive Officer; Jamie Anderson, Chief Financial Officer; and Bill Harrod, Chief Credit Officer.