Byline Bancorp, Inc.

Good morning and welcome to Byline Bangkok fourth quarter 2023 earnings call. My name is Carla and I will be your conference operator today. All lines have been placed on mute to prevent any background noise. After the speaker's remarks there will be a question and answer period. If you would like to ask a question simply press the star followed by the number one on your telephone. If you would like to withdraw your question press star followed by two. If you are listening via speakerphone, please lift your handset prior to asking your question. If you require operator assistance, please press start, then zero. Please note the conference call is being recorded. At this time, I would like to introduce Brooks Rennie, head of investor relations at the Byline Bancorp, to begin the conference call.

Brooks Rennie Thank you, Carla. Good morning, everyone, and thank you for joining us today for the Byline Bancorp fourth quarter and full-year 2023 earnings call. In accordance with Regulation FD, this call is being recorded and is available via webcast on our Investor Relations website, along with our earnings release and the corresponding presentation slides. During the course of the call today, management may make certain statements that constitute projections or other forward-looking statements regarding future events or the future financial performance of the company. We caution that such statements are subject to certain risks uncertainties and other factors that could cause actual results to differ materially from those discussed the company's risk factors are disclosed and discussed in its sec filings in addition our remarks may reference non-gap measures which are intended to supplement but not substitute for the most directly comparable gap measures reconciliation for these numbers can be found within the appendix of the earnings release for additional information about risks uncertainties please see the forward-looking statement and non-GAAP financial measures disclosure in the earnings release. I would now like to turn the conference call over to Alberto Paracini, President of Byline Bancorp. Thank you, Brooks.

Happy New Year, and thank you all for joining us this morning to review our fourth quarter and full year 2023 results. As always, joining me this morning are Chairman and CEO Roberto Varencia, Tom Bell, our CFO and Treasurer, and Mark Fusinato, our Chief Credit Officer. Before we get into the results for the quarter, I want to pass the call on to Roberto to comment on a few items. Roberto?