First Bank

Good day and welcome to the First Bank FRBA Fourth Quarter 2020 Earnings Conference 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. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star then one on a touch-tone phone. To withdraw your question, please press star, then two. Please note this event is being recorded. I would now like to turn the conference over to Patrick Rice, CEO. Please go ahead.

Thank you. I'd like to welcome everyone today to First Bank's fourth quarter and full year 2020 earnings call. I am joined today by Steve Carman, our Chief Financial Officer, Peter Cahill, our Chief Lending Officer, and Emilio Cooper, our Chief Deposits Officer. Before we begin, however, Steve will read the Safe Harbor Statement.

The following discussion may contain forward-looking statements concerning the financial condition, results of operations, and business of First Bank. We caution that such statements are subject to a number of uncertainties, and actual results could differ materially, and therefore you should not place undue reliance on any forward-looking statements we make. We may not update any forward-looking statements we make today for future events or developments. Information about risks and uncertainties are described under Item 1A, Risk Factors, in our annual report on Form 10-K for the year-ended December 31, 2019, filed with the FDIC. Pat, back to you.