Q4 2020 First Merchants Corp Earnings Call Transcript
Good afternoon, and welcome to the First Merchants' Fourth Quarter 2020 Earnings Call. (Operator Instructions) This presentation contains forward-looking statements made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements can often, but not always, be identified by the use of words like believe, continue, pattern, estimate, project, intend, anticipate, expect and similar expressions or future or conditional words such as will, would, should, could, might, can, may or similar expressions. These forward-looking statements include, but are not limited to, statements relating to First Merchants' goals, intentions and expectations; statements regarding the First Merchants' business plan and growth strategies; statements regarding the asset quality of First Merchants' loan and investment portfolios; and estimates of First Merchants' risks and future costs and benefits.
These forward-looking statements are subject to significant risks, assumptions and uncertainties that may cause results to differ materially from those set forth
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