|Andres Viroslav||Director, IR|
|Frank Schiraldi||Piper Sandler|
|William Wallace||Raymond James|
[00:00:01] Good afternoon, ladies and gentlemen, and welcome to the quarter three 2020, the Bancorp Inc. earnings conference call. At this time, all participants are innocent, only mode later. Well, we'll come back a question and answer session and instructions. Will a follow up decline, if anyone should require assistance during the conference be spread by zero? As a reminder, this conference call is being recorded on a to turn the conference over to your host, Mr.