Simone Lagomarsino | President, CEO |
Laura Tarantino | EVP, CFO |
John Cardamone | CCO |
Matthew Clark | Piper Sandler |
Jackie Bohlen | KBW |
Gary Tenner | D.A. Davidson |
Good morning, and welcome to the Luther Burbank Corporation's Third Quarter 2020 Earnings Conference Call. [Operator Instructions] Before we begin, I would like to remind everyone that some of the comments made during this call may be considered forward-looking statements. The company's Form 10-K for the 2019 fiscal year, its quarterly reports on Form 10-Q and current reports on Form 8-K identify certain factors that could cause the company's actual results to differ materially from those projected in any forward-looking statements made this morning. The company does not undertake to update any forward-looking statements as a result of new information or future events or developments. The company's periodic reports are available from the company or online on the company's website or the SEC's website.