Shelly Doran | Director of Investor & External Relations |
Martin Birmingham | CEO |
Justin Bigham | CFO |
Mike Grover | Director of Financial Planning and Analysis |
Alex Twerdahl | Piper Sandler |
Good morning, and welcome to Financial Institutions, Inc. Fourth Quarter and Full Year 2020 Earnings Call. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Shelly Doran, Director of Investor & External Relations. Please go ahead.