Jeffrey M. Schweitzer | President & CEO |
Brian J. Richardson | EVP and CFO |
Michael S. Keim | President of Univest Bank & Trust |
Michael Perito | KBW |
Frank Schiraldi | Piper Sandler |
Matthew Breese | Stephens Incorporated |
Good day and welcome to the Univest Financial Corporation Fourth Quarter and Year-End 2020 Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions]. After today's presentation, there will be an opportunity to ask questions. [Operator Instructions].