Director of Investor Relations Good morning, everyone. This is Sal DiMartino, Director of Investor Relations. Thank you for joining the Management Team of New York Community Bancorp for today's conference call. Today's discussion of the company's Fourth Quarter and Full Year 2020 Performance will be led by President and Chief Executive Officer, Thomas Cangemi; and Chief Financial Officer, John Pinto; together with Chief Operating Officer, Robert Wann. Today's release includes a reconciliation of certain GAAP and non-GAAP financial measures that maybe discussed during this call. These non-GAAP financial measures should be viewed in addition to and not as a substitute for our results prepared in accordance with GAAP. Also, certain comments made on today's conference call will contain forward-looking statements that are intended to be covered by the Safe Harbor provision of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from expectations. We undertake no obligation to and would not expect to update any such forward-looking statements after today's call. You will find more information about the risk factors that may impact the company's forward-looking statements and financial performance in today's earnings release and in its SEC filings, including the 2019 Annual Report on Form 10-K and its third quarter 2020 quarterly report on Form 10-Q.