Cathay General Bancorp

Hello.

Good afternoon, ladies and gentlemen, and welcome to the CAFE General Bancorp Second Quarter 2020 Earnings Conference Call. My name is Val, and I'll be your coordinator for today. At this time, all participants are on listen-only mode. Following the prepared remarks, there will be a question-and-answer session. If you would like to participate in this portion of the call, please press star followed by 1 at any time during the conference. If assistance is needed any time during the call, please press star followed by 0, and a coordinator will be happy to assist you. Today's call is being recorded and will be available for replay at www.cafegeneralbancorp.com. Now let's turn the call over to Georgia Lo, Investor Relations of Cafe General Bancorp. You may begin.

Thank you, Valerie, and good afternoon. Here to discuss the financial results today are Mr. Pin Tai, our Chief Executive Officer, Mr. Chang Liu, Cafe Bank's President and Chief Operating Officer, and Mr. Hang Chen, our Executive Vice President and Chief Financial Officer. Before we begin, we wish to remind you that the speakers on this call may make forward-looking statements within the meaning of the applicable provisions of the Private Securities Litigation Reform Act of 1995 concerning future results and events, and that these statements are subject to certain risks and uncertainties that could cause actual results to differ materially. These risks and uncertainties are further described in the company's annual report on Form 10-K for the year ended December 31, 2019. At Item 1-A in particular, and in other reports and filings with the Securities and Exchange Commission from time to time. As such, we caution you not to place undue reliance on such forward-looking statements. Any forward-looking statement speaks only as of the date on which it is made and except as required by law, we undertake no obligation to update or review any forward-looking statements to reflect future circumstances, developments or events or the occurrence of unanticipated events. This afternoon, Cafe General Bancorp issue an earnings release outlining its second quarter 2020 results. To obtain a copy of our earnings release as well as our second quarter earnings presentation, please visit our website at CafeGeneralBancorp.com. After comments from management today, we will open this call up for questions. I will now turn the call over to our Chief Executive Officer, Mr. Pintai.