Central Pacific Financial Corp New

Good morning and good afternoon, ladies and gentlemen.

Thank you for standing by and welcome to the Central Pacific Financial Corp Third Quarter 2026 Earnings Call. During today's presentation, all parties will be in a listen only mode. Following the presentation, the conference will be open for questions. This call is being recorded and will be available for replay shortly after its completion on the company's website at www.cpb.bank. I'd like to turn the call over to Mr. Jayrald Rabago, Senior Strategic Financial Officer. Please go ahead.

Thank you, Erica. And thank you all for joining us today to review Central Pacific Financial Corp's financial results for the third quarter of 2026. Joining me this morning are Arnold Martinez, Chairman, President, and Chief Executive Officer. David Morimoto, Vice Chair and Chief Operating Officer. Ralph Mesick, Vice Chair. Executive Vice President and Chief Financial Officer, and Anna Hu, Executive Vice President and Chief Credit Officer. Before we begin, I would like to remind everyone that our earnings release and supplemental slides are available on our investor relations website at ir.cpb.bank. During today's call, management may make forward-looking statements. These statements are based on current expectations and assumptions and are subject to risks and uncertainties that could cause actual results to differ materially. For a complete discussion of these risks, please refer to slide two of our presentation. With that, I will turn the call over to our chairman, president, and CEO, Arnold Martines.