Operator Welcome to Signature Bank's 2020 Fourth Quarter and Fiscal Year-End Results Conference Call. Hosting the call today from Signature Bank are Joseph J. DePaolo, President and Chief Executive Officer; and Eric R. Howell, Senior Executive Vice President, Corporate and Business Development. [Operator Instructions] It is now my pleasure to turn the floor over to Joseph J. DePaolo, President and Chief Executive Officer, you may begin. Joseph J. DePaolo -- President and Chief Executive Officer Thank you, Laurie. Good morning and thank you for joining us today for the Signature Bank 2020 fourth quarter and year-end results conference call. Before I begin my formal remarks, Susan Lewis will read the forward-looking disclaimer. Please go ahead, Susan.