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Operator Good afternoon and welcome to the Preferred Bank First Quarter 2021 Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to Jeff Haas of Financial Profiles. Please go ahead. Jeffrey Haas Investor Relations, Financial Profiles, Inc. Thank you, Betsy. Hello, everyone, and thank you for joining us to discuss Preferred Bank s financial results for the first quarter ended March 31, 2021. With me today from management are Chairman and CEO, Li Yu; President and Chief Operating Officer, Wellington Chen; Chief Financial Officer, Edward Czajka; Chief Credit Officer, Nick Pi; and Deputy Chief Operating Officer, Johnny Hsu. Management will provide a brief summary of the results and then we will open up the call to your questions. ....