Operator Good morning, and welcome to the East West Bancorp First Quarter 2021 Financial Results Conference Call. [Operator Instructions] [Operator Instructions] I would now like to turn the conference over to Julianna Balicka, Director of Strategy and Corporate Development. Please go ahead. Julianna Balicka -- Director of Strategy and Corporate Development Thank you, Betsy. Good morning, and thank you, everyone, for joining us to review the financial results of East West Bancorp for the first quarter 2021. With me on this conference call are Dominic Ng, our Chief Executive Officer; and Irene Oh, our Chief Financial Officer. We would like to caution you that during the course of the call, management may make projections or other forward-looking statements regarding events or future financial performance of the company within the meaning of the safe harbor provision of the Private Securities Litigation Reform Act of 1995. These forward-looking statements may differ materially from the actual results due to a number of risks and uncertainties.