Dave Patti | Director of Corporate Communications |
Jay Sidhu | CEO |
Carla Leibold | CFO, Customers Bank Corporate bank |
Sam Sidhu | VC, COO Customers Bank |
Jim Collins | CAO, Customer Bank |
Andy Bowman | CCO, Customers Bank |
Michael Schiavone | KBW |
Steve Moss | B. Riley Securities |
Casey Haire | Jefferies |
Ladies and gentlemen, thank you for standing by and welcome to the Customers Bancorp, Inc. 2020 Fourth Quarter and Year End 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] Please be advised that today’s conference is being recorded.