...Operator Good day, everyone, and welcome to the earnings call for Western Alliance Bancorporation for the third quarter 2020. Our speakers today are Ken Vecchione, President and Chief Executive Officer; and Dale Gibbons, Chief Financial Officer. You may also view the presentation today via webcast through the company's website at www.westernalliancebancorporation.com. The call will be recorded and made available for replay after 2 p.m. Eastern Time, October 23, 2020, through November 23, 2020 at 9 a.m. Eastern Time by dialing 1 (877) 344-7529 and entering passcode 10148637. The discussion during this call may contain forward-looking statements that relate to expectations, beliefs, projections, future plans and strategies, anticipated events or trends and similar expressions concerning matters that are not historical facts. The forward-looking statements contained herein reflect our current views about future events and financial performance and are subject to risks, uncertainties, assumptions...