Byline Bancorp, Inc.

Good morning and welcome to Byline Bancorp third quarter 2024 earnings call. My name is Kate 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 and two. If you are listening via speakerphone, please lift your handset prior to asking your question. If you require operator assistance, please press star, then zero. Please note the conference call is being recorded. At this time, I would like to introduce Brooks Rennie, Head of Investor Relations for Byline Bancorp, to begin the conference call. Brooks Rennie, Head of Investor Relations for Byline Bancorp, Thank you, Kate.

Good morning, everyone, and welcome to Byline Bancorp's third quarter 2024 earnings conference 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. As part of today's call, management may make certain statements that constitute projections, beliefs, or other forward-looking statements regarding future events or the future financial performance of the company. We caution that such statements are some 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 and slides may reference or contain certain non-GAAP financial measures, which are intended to supplement but not substitute for the most directly comparable GAAP measures. Reconciliation for each non-GAAP financial measure to the comparable GAAP financial measure can be found within the appendix of the earnings release. For additional information about risks and uncertainties, please see the forward-looking statement and non-GAAP financial measures disclosures in the earnings release. As a reminder for investors, this quarter we plan on attending the Hubby Financial Services Conference and the Piper Sandler East Coast Conference. With that, I would now like to turn the conference call over to Alberto Parcini, President of Flywind Bancorp.

Thank you, Brooks. Good morning, everyone, and thanks for joining us today to go over our third quarter results. With me this morning are Roberto Varencia, our chairman and CEO, Tom Bell, our CFO, and Mark Fusinato, our chief credit officer. Before we get into a review of our results for the quarter, I would like to pass the call on to Roberto for his comments. Roberto.