Steven Nell | Executive Vice President and Chief Financial Officer |
Steven Bradshaw | President and Chief Executive Officer |
Stacy Kymes | Executive Vice President, Corporate Banking |
Scott Grauer | Executive Vice President, Wealth Management; CEO, BOK Financial Securities, Inc. |
Marc Maun | Executive Vice President and Chief Credit Officer |
Ken Zerbe | Morgan Stanley |
Brady Gailey | KBW |
Peter Winter | Wedbush Securities |
Jared Shaw | Wells Fargo |
Jon Arfstrom | RBC Capital Markets |
Matt Olney | Stephens |
Gary Tenner | D.A. Davidson |
Greetings and welcome to BOK Financial Corporation Fourth Quarter 2020 Earnings Conference Call. At this time, all participants are in a listen only mode. A question-and-answer session will follow the formal presentation. [Operator Instructions] I would now like to turn the presentation over to Steven Nell, Chief Financial Officer for BOK Financial Corporation. Please proceed.