Andres Viroslav | Director, IR |
Damian Kozlowski | CEO |
Paul Frenkiel | CFO |
William Wallace | Raymond James |
Frank Schiraldi | Piper Sandler |
Adam Hurwich | Ulysses |
Christopher Hillary | Roubaix Capital |
Ladies and gentlemen, thank you for standing by. And welcome to the Q4 2020 The Bancorp Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions].