Operator Welcome to the Cadence Bancorporation Fourth Quarter and Full Year 2020 Earnings Call. Comments are subject to the forward-looking statements disclaimer, which can be found in the press release and on Page 2 of the financial results presentation. Both of those documents can be located in the Investor Relations section at cadencebancorporation.com. [Operator Instructions] I would now like to turn the conference over to Paul Murphy, Chairman and CEO. Please go ahead. Paul B. Murphy -- Chairman and Chief Executive Officer Good morning, and thank you all for joining us. Joining me today...