Laura Rossi | Investor Relations Officer-Amerant Banc |
Millar Wilson | Chief Executive Officer |
Carlos Iafigliola | Executive Vice-President and Chief Financial Officer |
Thiel Fischer | Credit Risk Manager |
Miguel Palacios | Executive Vice-President and Chief Business Officer |
Will Jones | KBW |
Michael Rose | Raymond James |
Ladies and gentlemen, thank you for standing by, and welcome to the Amerant Fourth Quarter 2020 Earnings Call. At this time, all participant lines are in a listen-only mode. After the speakers’ presentation, there will be a question answer session. [Operator Instructions] Please be advised that today’s conference is being recorded. [Operator Instructions] I would now like to hand the conference to your speaker today, Laura Rossi, Investor Relations Officer.