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Operator Thank you for standing by and welcome to the Zions Bank Corporation s First Quarter 2021 Earnings Results Webcast. [Operator Instructions] After the speakers presentation, there will be a question-and-answer session. [Operator Instructions] I would now like to turn the conference to your host, Mr. James Abbott, Director of Investor Relations. Sir, you may begin. James R. Abbott Senior Vice President, Investor Relations and External Communications Thank you, and good evening, everyone. We welcome you to this conference call to discuss our 2021 first quarter earnings. I would like to remind you that during this call, we will be making forward-looking statements, although actual results may differ materially. Additionally, the earnings release, the related slide presentation and this earnings call contain several references to non-GAAP measures. We encourage you to review the disclaimer in the press release or the slide deck on Slide 2 dealing with forward-looking info

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