Aloha, and welcome to the annual meeting of stockholders of Bank of Hawaii Corporation. Please note that today's meeting is being recorded, and the recording will be made available after the meeting on the company's website. During the meeting, we'll have a question and answer session. You can submit questions or comments at any time by clicking on the Q&A icon. It is now my pleasure to turn today's meeting over to Raymond Vara, Bank of Hawaii Corporation Board Chair. Mr. Vara, the floor is yours. Good morning. I'm Raymond Vara, Board Chair, and on behalf of our board of directors and management, I welcome you to the 54th annual meeting of the shareholders and our seventh virtual shareholders meeting. It is now 8:30 A.M., and in accordance with the notice of meeting, I will call the meeting to order. Now I'd like to introduce the board of directors of the Bank of Hawaii Corporation, who are all in attendance by phone. First, John Erickson, Joshua Feldman, Michelle Hulst, Kent Lucien, Elliot Mills, Alicia Moy, Victor Nichols, Dana Tokioka, Suzanne Vares-Lum, Robert Wo, and James Polk, our President and CEO. Now I'd like to introduce the rest of our management team, beginning with our vice chairs. Marco Abbruzzese, Matthew Emerson, Patrick McGuirk, Bradley Satenberg, and Bradley Shairson. Our Senior Executive Vice Presidents, Guy Churchill, Sharlene Ginoza- Lee, Jill Higa, Jennifer Lam, Kristine Stebbins, Dana Takushi, Luke Yeh, and Dirk Yoshizawa. I'd also like to introduce David Howell, representing Ernst & Young, our independent public accounting firm. You'll see the agenda on the meeting website as well as a link to the rules of conduct for the meeting. We appreciate your cooperation in abiding by the meeting rules. As a reminder, shareholders attending the virtual meeting can vote their shares online from now through the closing of the polls by clicking the Vote icon on your screen. If you have previously voted by proxy and do not wish to change your vote, your vote will be cast as you previously instructed, and no further action is required. During the business portion of the meeting, we will consider the following three proposals. The election of the company's directors, the advisory vote to approve compensation for the named executive officers, and the ratification to reappoint Ernst & Young to serve as the company's independent registered public accounting firm for 2026. We will follow the formal business with our company report and current state of business. Following our report, you'll have the opportunity to ask some questions. We ask the shareholders who wish to address the meeting do so at that time. Now let's proceed with the meeting. The Board of Directors fixed February 27, 2026, as the record date for determining the shares of common stock entitled to vote at this meeting. The company's corporate secretary has advised me that the meeting was called and proper notice was given to all shareholders of record. A copy of the notice of annual meeting and the affidavit of mailing are on file. The number of shares represented in person or by proxy is 33,428,960, or 84% of the 39,725,521 shares issued and outstanding as of the record date. I hereby declare that a quorum is present and we are qualified to act on all matters set forth in the notice of the meeting. Most of you who returned your proxies authorized the persons named in the proxy to vote on all proposals coming before the meeting. We will now act on the recommendations of the board of directors relating to the proposals listed in the proxy statement. The first proposal is the election of 12 directors. The 12 nominees will serve a one-year term. They are as follows: John Erickson, Joshua Feldman, Michelle Hulst, Kent Lucien, Elliot Mills, Alicia Moy, Victor Nichols, James Polk, Dana Tokioka, myself, Raymond Vara, Suzanne Vares-Lum, and Robert Wo. As no other persons have been nominated in accordance with the company's governing documents, the nominations are now closed. The second proposal is to approve on an advisory basis the compensation of the named executive officers disclosed in this year's proxy statement. The final order of business is to ratify the reappointment of Ernst & Young as the company's independent registered public accounting firm for fiscal year 2026. Before I report the preliminary vote results for these three proposals, has everyone who wanted to vote cast their vote? It seems that all of those desiring to vote have voted. I therefore declare the voting polls closed. I've been advised by inspectors of election that in accordance with the proxies received from our shareholders, each of the director nominees received a substantial majority of the votes cast, at least 27,956,448 votes in favor, or 95% of the votes cast. With respect to proposal number two related to the advisory vote on executive compensation, approximately 17,274,193 shares voted in favor, or 59% of votes cast. With respect to proposal three related to ratifying Ernst & Young as the company's 2026 independent registered public accounting firm, approximately 32,239,430 votes voted in favor, or 96% of votes cast. Since we have received more than a majority in favor of each nominee and each proposal, I am therefore pleased to announce that all 12 of the company's directors have been elected for a one-year term, and the two remaining proposals have been approved as the board recommended. The final results of the voting will be published in our Form 8-K and filed with the Securities and Exchange Commission. There being no further business to come before the meeting, this concludes the official business portion of the meeting. The 2026 Bank of Hawaii Corporation Annual Meeting is now adjourned. We will now go to the Q&A session, but before we do that, our President and CEO, Jim Polk, will share some highlights from the year. Thank you, Ray. Before I provide some company highlights from 2025, I must first pause to recognize the recent retirement of Bank of Hawaii's longtime Chairman and CEO, Peter Ho. Peter served an extraordinary 16 years as our Chairman and CEO, and we've all benefited from his steady, thoughtful leadership. On a personal level, I'm deeply grateful for his mentorship and support over the course of my career. As an organization, we all thank him for his leadership and service to the bank, our employees, and our community. I begin my tenure as CEO and a director with a deep sense of gratitude and responsibility to this organization and the communities we serve. I'm optimistic about the future because we start from a position of such strength. A market-leading brand, a strong financial foundation, and a team that is exceptionally well positioned to achieve great results for all of our stakeholders. Included on our team is Brad Satenberg, who was promoted to Vice Chair and Chief Financial Officer in July 2025, replacing Dean Shigemura, who retired after a distinguished career with the company that spanned three decades. Brad joined us in July of 2024 and was Dean's deputy for a year before taking over the CFO role, and I'm happy to say that the transition has gone off without a hitch. I'll now share a few other reflections from 2025 and then open it up for a question and answer session. Bank of Hawaii closed 2025 with solid financial performance that grew our market-leading share of deposits while maintaining a strong balance sheet, disciplined expense management, and an ongoing commitment to long-term growth. Diluted earnings per common share were $4.63 for the full year, with net income of $206 million. Our assets finished the year at $24.2 billion, and we saw consistent growth in net interest income and margin in every quarter of 2025. Total deposits and total loans ended the year at $21.2 billion and $14.1 billion respectively, both up from the prior year. Asset quality and liquidity continued to remain strong, and we maintained our long, unbroken streak of returning capital to our shareholders by continuing our dividend at 70 cents per share per quarter throughout 2025. We also repurchased five million shares of stock in the fourth quarter of 2025. Our strong financial performance reflects the hard work and exceptional commitment of our employees, whose dedication continues to drive our success. In 2025, we strengthened relationships and deepened ties to the communities we serve by building or renovating five branches, including a new branch in Lahaina to replace the one that was destroyed in the 2023 Maui wildfires, and we opened our new West Pacific regional headquarters in Tamuning, Guam. Continuing our long-standing tradition of innovation, we introduced generative artificial intelligence tools to enhance operational efficiency, customer service, and employee experience in 2025. Bank of Hawaii can only be as successful as the communities we serve. In 2025, we continued to help create a better future for our island communities by providing lessons in financial literacy to school children, mentoring small business owners, and improving the environment with hands-on volunteerism by our Bankoh Blue Crew. In 2025, our employee-led Live Kōkua giving campaign raised $623,000 for worthy local causes, and our Bank of Hawaii Foundation supported the important work of more than 47 local nonprofits. As we close the books on 2025 and look ahead, I'd say we're off to a great start for 2026, and I remain confident that our strong financial performance, positive outlook, and unwavering dedication to our shareholders, customers, employees, and community positions Bank of Hawaii well for continued success. Now I'd be happy to take your questions. Okay, looks like we have no questions. I'd like to close out by thanking you for your interest in Bank of Hawaii. Have a great rest of the day and a great weekend. Mahalo. This concludes the meeting. You may now disconnect.