Provident Financial Holdings, Inc.

both and thank you for standing by. My name is Tiffany and I will be your conference operator today. At this time I would like to welcome everyone to the Providence Financial Holding fourth quarter and fiscal year 2025 earnings call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks there will be a question and answer session. If you would like to ask a question during that time simply press star and the number one on your telephone keypad. I would now like to turn the call over to Donovan Turniss, President and Chief Executive Officer. Donovan please go ahead.

Thank you Tiffany. Good morning this is Donovan Turniss, President and CEO of Providence Financial Holdings and on the call with me is Peter Pham our Senior Vice President and Chief Financial Officer. Before we begin I have a brief administrative item to address. Our presentation today discusses the company's business outlook and will include forward-looking statements. Those statements include descriptions of management plans, objectives or goals for future operations, products or services, forecasts of financial or other performance measures, and statements about the company's general outlook for economic and business conditions. We may also make forward-looking statements during the question and answer period following management's presentation. These forward-looking statements are subject to a number of risks and uncertainties and actual results may differ materially from those discussed today. Information on the risk factors that could cause actual results to differ from any forward-looking statement is available from the earnings release that was distributed yesterday, from the annual report on form 10k for the year ended June 30, 2024, and from the form 10Qs and other FTC filings that are filed subsequent to the form 10k. Forward-looking statements are effective only as of the date that they are made

and