Simone Lagomarsino | President & CEO |
Laura Tarantino | CFO |
Matthew Clark | Piper Sandler |
Jackie Bohlen | KBW |
Gary Tenner | D.A. Davidson |
Good morning, and welcome to the Luther Burbank Corporation's Fourth Quarter 2020 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions]. After today's presentation, there will be an opportunity for the three analysts covering Luther Burbank Corporation to ask questions. [Operator Instructions].