Hello, welcome to the 2026 annual meeting of shareholders of Amerant Bancorp Incorporated. Please note that today's meeting is being recorded. It is now my pleasure to turn today's meeting over to Odilon Almeida, Chairman of the Board of Amerant Bancorp Incorporated. Mr. Almeida, the floor is yours. Thank you, and good morning. I'm Odilon Almeida, and on behalf of the board of directors, I'm pleased to welcome you to the 2026 annual meeting of shareholders of Amerant Bancorp Inc. We are holding this meeting in a virtual format. Before we begin our formal business, on behalf of the board of directors and the management team, I would like to express our sincere gratitude to Pam Dana, who previously advised the company of her decision not to stand for re-election. We are deeply appreciative of her longstanding service, including her leadership as lead independent director. I am now calling the meeting to order. Julio Pena, our Corporate Secretary, will act as secretary of the meeting. Members of our board, including Carlos Iafigliola, our President Chief Executive Officer, are here with us today. Also present today and representing RSM US LLP, our independent registered public accounting firm, are John Sproul, partner. Mr. Sproul will be available to answer shareholder questions directly to our independent registered public accounting firm. Francis Byrd is present today and has been appointed to serve as the inspector of elections. Mr. Byrd has signed the customary oath of office to execute his duties. We will file this oath with the records of the meeting. The company has been provided with an affidavit by Broadridge Financial Solutions, Inc., certifying that notice of today's meeting was mailed to shareholders on April 21, 2026. We will file the affidavit of mailing with the records of the meeting. A list of shareholders of record as of April 7, 2026, and entitled to vote at this meeting has been open for inspection for 10 days prior to this meeting and is available for inspection by shareholders during this meeting. The inspector of elections has reported that more than a majority of the 39,062,373 outstanding shares of the company's Class A voting common stock on the April 7th, 2026 record date are represented in person or by proxy. Shareholders who own Class A voting common stock are entitled to one vote per share on each matter to be voted on at the meeting. The total votes of the shares of Class A voting common stock represented at today's meeting in person or by proxy constitute a quorum with respect to all proposals to be considered in this annual meeting. Having confirmed that we have a quorum for all proposals, the agenda and conduct of meeting guidelines for today's meeting are available in a link in the virtual meeting site. It is our intention to conduct this meeting in accordance with that agenda and conduct of meeting guidelines. Shareholders may submit written questions in the designated field on the virtual meeting site. We intend to answer questions asked or submitted during the meeting following our official business as time permits. We will be observing a two-question limit per shareholder, and we may combine questions by topic if multiple questions on the same topic are submitted. Now I will present the matters to be voted. Our first item of business is Proposal 1, the election of directors. The following 11 nominees are standing for election to the board to serve until the 2027 annual meeting of shareholders. Odilon Almeida, myself, Carlos Iafigliola, Erin Knight, Jack Kopnisky, Lisa Lutoff-Perlo, Gustavo Marturet, Patricia Morrison, John Quill, Ashaki Rucker, Oscar Suarez, and Millar Wilson. Information with respect to the 11 nominees and the board's statement of support of this proposal is set forth in the proxy statement. Our second item of business is Proposal 2, the approval of the 2025 compensation of the company's named executive officers. This proposal is a non-binding shareholder advisory vote. The compensation of the company's named executive officers and the board's statement of support of this proposal is set forth in the proxy statement. Our third and final item of business is Proposal 3, to ratify the appointment of RSM US LLP as the independent registered public accounting firm of the company for the fiscal year ending December 31, 2026. Information with respect to this proposal and the board's statement of support of this proposal is set forth in the proxy statement. If you have already voted by proxy, you do not need to take any further action now unless you wish to change your vote. If you're logged into the virtual meeting as a shareholder and wish to revoke your proxy and vote electronically, or if you have not voted, you may do so by following the instructions available on the virtual meeting site. Please proceed to vote if you wish to do so at this time. We will now pause briefly to allow for voting. Now that everyone has had the opportunity to vote, I declare the polls of the annual meeting closed. I am now asking the Inspector of Elections to tabulate the votes. I will now report the preliminary results of voting. We have been informed by the Inspector of Elections that the preliminary vote report shows that each of the nominees for director named in the proxy statement received the affirmative vote of a majority of votes cast by the holders of the company's Class A voting common stock and has therefore been duly elected to the board to serve until the 2027 annual meeting of shareholders. That the holders of the company's Class A voting common stock have approved, by the affirmative vote of a majority of votes cast, the compensation of the company's named executive officers as disclosed in the proxy statement pursuant to the compensation disclosure rules of the SEC. That the holders of the company's Class A voting common stock have ratified, by the affirmative vote of a majority of votes cast, the appointment of RSM US LLP as the company's independent registered public accounting firm for the fiscal year ending December 31, 2026. We will provide the final voting results in a Form 8-K to be filed with the Securities and Exchange Commission. Our formal business has concluded, and I declare this portion of the meeting adjourned. We will be pleased to answer questions asked or submitted by the shareholders through the Meeting Center site. At this time, the company or RSM will answer any questions by the shareholders. At this time, the company or RSM will answer any questions by the shareholders. Julio, are there questions submitted? There are no questions submitted, Mr. Chairman. There being no further questions, we thank you all for attending and for your continued support of Amerant. Our meeting has concluded. This concludes today's meeting. Thank you for attending. You may now disconnect and have a wonderful rest of your day.