Larry Clark | Senior Vice President, Financial Profiles, Inc. |
Tom O'Brien | Chairman, Chief Executive Officer & President |
Steve Huber | Chief Financial Officer & Treasurer |
Vince Staunton | TCW |
Anthony Polini | American Capital Partners |
Ross Haberman | RLH |
Good afternoon, everyone and welcome to the Sterling Bancorp Incorporated Third Quarter 2020 Conference Call. My name is Jamie, and I will be your operator today. At this time, all participants are in a listen-only mode. This call is being recorded and will be available for replay through November 12, 2020 starting this afternoon at approximately one hour after completion of this call. At this time, I'd like to turn the conference call over to Mr.