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1/29/2021
Operator
Conference Operator
Good morning and welcome to the Financial Institutions, Inc.'s fourth quarter and full year 2020 earnings call. All participants will be in a listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero.
Shelly Duran
Director of Investor and External Relations
After today's presentation, there will be an opportunity to ask questions.
Operator
Conference Operator
To ask a question, may press star and then one on your touchstone phone. Please note this event is being recorded. I will now like to turn the conference over to Shelly Duran, Director of Investor and External Relations. Please go ahead.
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