Jeff Haas - Financial Profiles, IR Li Yu - Chairman and CEO Wellington Chen - President and COO Edward Czajka - Chief Financial Officer Nick Pi - Chief Credit Officer Johnny Hsu - Deputy Chief Operating Officer For a detailed description of these risks and uncertainties, please refer to the SEC-required documents that the bank files with the Federal Deposit Insurance Corporation, or FDIC. If any of these uncertainties materialize or any of these assumptions prove incorrect, Preferred Bankâs results could di ...