Kay Gregory | Investor Relations |
Mariner Kemper | President and Chief Executive Officer |
Ram Shankar | Chief Financial Officer |
Ebrahim Poonawala | Bank of America |
Chris McGratty | KBW |
Nathan Rice | Piper Sandler |
Jared Shaw | Wells Fargo Securities |
David Long | Raymond James |
Good day, and welcome to the UMB Financial Fourth Quarter and Full Year End 2020 Financial Results Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Kay Gregory.