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Operator
Good day, and welcome to the Camden National Corporation s Fourth Quarter 2020 Earnings Conference Call. My name is Tom and I will be your operator for today s call. [Operator Instructions]
Please note that this presentation contains forward-looking statements, which involve significant risks and uncertainties that may cause actual results to vary materially from those projected in the forward-looking statements. Additional information concerning factors that could cause actual results to differ materially from those in such forward-looking statements are described in the Company s earnings press release, the Company s 2019 annual report on Form 10-K and other filings with the SEC. The Company does not undertake any obligation to update any forward-looking statements to reflect circumstances or events that occur after the forward-looking statements are made. Any references in today s presentation to non-GAAP financial measures are intended to provide meaningful in ....

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