Noah Fields | VP, IR |
Michael Collins | Chairman & CEO |
Michael Schrum | Group CFO & Executive Director |
Alex Twerdahl | Piper Sandler & Co. |
Timur Braziler | Wells Fargo Securities |
Will Nance | Goldman Sachs Group |
Good morning. My name is Sarah, and I will be your conference operator today. At this time, I would like to welcome everyone to the First Quarter 2021 Earnings Call for the Bank of N.T. Butterfield & Son Limited. [Operator Instructions].