|Kent Landvatter||Chief Executive Officer & President|
|Javvis Jacobson||Chief Financial Officer|
|David Tilis||Chief Strategy Officer & Senior Vice President|
|Jim Noone||Chief Credit Officer & Executive Vice President|
|Michael Hultquist||Piper Sandler|
Greetings. Welcome to the FinWise Bancorp First Quarter 2022 Earnings Conference Call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. [Operator Instructions] Please note this conference is being recorded.