Operator Good morning, everyone, and welcome to the Hilltop Holdings First Quarter 2021 Earnings Conference Call and Webcast. [Operator Instructions] At this time, I'd like to turn the conference call over to Erik Yohe. Sir, please go ahead. Erik Yohe -- Executive Vice President-Corporate Development Thank you, operator. Before we get started, please note that certain statements during today's presentation that are not statements of historical fact, including statements concerning such items as our outlook, business strategy, future plans, financial condition, allowance for credit losses, the impact and potential impacts of COVID-19, stock repurchases and dividends as well as such other items referenced in the preface of our presentation are forward-looking statements. These statements are based on management's current expectations concerning future events that, by their nature, are subject to risks and uncertainties.