Welcome to the 2021 annual meeting for HarborOne Bancorp, Inc. Our host for today's call is Michael Sullivan. At this time, I will point it over to Michael Sullivan. Please note this meeting is being recorded. Thank you. Good morning. I am Michael Sullivan, Chairman of the Board of Directors of HarborOne Bancorp, Inc. It's a pleasure to welcome you to our virtual annual meeting. Due to the public health concerns and the protocols that federal, state, and local governments continue to impose in response to the COVID-19 pandemic, we're again holding our annual meeting by webcast this year. We thank you for your continued support of the company. I would like to introduce the Directors and Officers of the company who are with us today. Directors, Joseph Barry, Mandy Lee Berman, James Blake, Joseph Casey, Gordon Jezard, David Frenette, Barry Koretz, Timothy Lynch, William Parent, Wallace Peckham, Andreana Santangelo, and Damian Wilmot. Officers, Inez Friedman-Boyce, Kevin Hamill, Brenda Kerr, Joseph McQuade, David Reilly, Scott Sanborn, Linda Simmons, David Frenette, and Patricia Williams. Our current independent auditors, Crowe LLP, are represented at this meeting by Thomas Lally. Our outside counsel, Goodwin Procter LLP, is represented by Samantha Kirby. I will now call the meeting to order. Notice of the meeting was sent on April 16th, 2021, to all shareholders of record as of the close of business on March 29th, 2021. We will address the general questions we have received in advance of or during this meeting after the formal business portion of the meeting is completed. I refer you to the rules of conduct for this meeting, which appear in the meeting material on the meeting portal. Only questions germane to the meeting will be addressed. Out of consideration for others, kindly limit yourselves to one question. For those who may not have voted your shares before this meeting, the polls are now open, and you may vote your shares electronically using the Vote Now button on your screen. Shareholders who have already voted and do not wish to change their vote do not need to take any further action. The board of directors has appointed Tara Tassett of CT Hagberg LLC to act as Inspector of Election for this annual meeting, and Tara is present at this meeting. The Inspector of Election informs me that a quorum is present. Our first item of business is the election of four Class II directors, each to serve for a term of three years and until their respective successors are duly elected and qualified. The board of directors has nominated Gordon Jezard, Wallace H. Peckham III, William A. Parent, and Mandy Lee Berman for election as Class II directors of the company. The company's bylaws require that a shareholder provide advance notice to the company of a shareholder's intent to nominate persons as directors. No such notice was received. Accordingly, I declare the nominations for directors closed. The second item of business is the ratification of the appointment of Crowe LLP as the company's independent registered public accounting firm for the fiscal year ending December 31st, 2021. Shareholders may now ask any questions they may have concerning the two matters to be voted upon. Are there any questions concerning the matters to be voted on? There being no further questions regarding the matters before the meeting, I will pause for a moment to allow anyone who has not cast their votes electronically to do so now. It is now 10:05 A.M. on May 26th, 2021, and the polls for each matter to be voted on at this meeting are now closed. Based on the preliminary voting results, the four nominees named in the proxy statement have been elected as Class II directors, and the other proposal has passed. The final results of the voting will be set forth in the report of the Inspector of Election that will be included in the minutes of the meeting. The final results will also be included in our report filed with the SEC. We will now have an opportunity to address any general questions that may have been submitted via the meeting portal. There have been no questions submitted. The general questions and answer portion of this meeting is now closed. There being no other matters for consideration at this meeting