Lynn Harton | Chairman and Chief Executive Officer |
Jefferson Harralson | Chief Financial Officer |
Richard Bradshaw | President and Chief Banking Officer |
Robert Edwards | Chief Risk Officer |
Catherine Mealor | KBW |
Brad Milsaps | Piper Sandler |
Michael Rose | Raymond James |
Kevin Fitzsimmons | D.A. Davidson |
David Bishop | Hovde Group |
Jennifer Demba | Truist Securities |
Christopher Marinac | Janney Montgomery Scott |
Good morning, and welcome to the United Community Banks Fourth Quarter Financial Results Conference Call. All participants will be in a listen-only mode. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to your hosts. Please go ahead.