Operator Good afternoon, and welcome to the First Merchants Corporation First Quarter 2021 Earnings Call. All participants will be in a listen-only mode. [Operator Instructions] Please note, this event is being recorded. This presentation contains forward-looking statements made pursuant to the Safe Harbor provisions of the Private Securities Litigation Reform Act. Such forward-looking statements can often be identified by the use of words like believes, expect or may and include statements relating to First Merchants business plan, growth strategies, loan and investment portfolio; asset quality, risk and future costs. These statements are subject to significant uncertainties that may cause results to differ materially from those set forth in such statements, including changes in economic conditions, the ability of First Merchants to integrate recent acquisitions, changes in regulations and requirements of the company as regulators, litigation, changes in the creditworthiness of customers, fluctuations in market rates and interest, and other risks and factors identified in First Merchants filings with the Securities and Exchange Commission. First Merchants undertakes no obligation to update any forward-looking statement whether written or oral, relating to the matters discussed in this presentation or press release. In addition, the company's past results of operation do not necessarily indicate its anticipated future results.