Welcome to the Bank OZK's 2021 Annual Meeting of Shareholders. I would now like to introduce George Gleason, Chairman and CEO of Bank OZK. Ladies and gentlemen, will the meeting please come to order. Good morning. My name is George Gleason. It is my privilege as Chairman and Chief Executive Officer of Bank OZK to welcome you to our annual shareholders meeting. We appreciate your attendance. I will be presiding at this meeting, and Helen Brown will serve as Secretary of the meeting. I have been informed by our Secretary that all shareholders were mailed a notice of annual meeting on or about March 12, 2021, as evidenced by affidavits from Broadridge Financial Solutions Incorporated. I hereby declare that this meeting has been properly called. A copy of the notice of meeting and the affidavit of mailing will be incorporated into the minutes of this meeting. As the company has previously disclosed, this meeting is being held both in person and virtually in an effort to protect public health during the COVID-19 global pandemic. As you entered the meeting room, you should have received an agenda outlining the order of business for today's meeting. The agenda is available through the virtual meeting portal for those participating virtually. If anyone desires to address the meeting, please hold your questions until the question-and-answer session, which is item nine on the agenda. Also, please make note of the rules and procedures for the conduct of the annual meeting as reflected on the back of your agenda. The board of directors at an earlier meeting appointed Sheila Mayden, Executive Vice President and Corporate Trust Manager for the Trust and Wealth Division of Bank OZK, our transfer agent, and Greg McKinney, the company's Chief Financial Officer, as inspectors to conduct the voting at this meeting. The inspectors are present, and they have taken the oath of office. I request that the inspectors file their oath of office with the secretary of the meeting for inclusion in the minutes of this meeting. Ms. Mayden, Mr. McKinney, in your capacity as inspectors, will you please canvass the votes and determine that a quorum is established? At this time, I would like to introduce the 13 nominees to the board of directors. Each nominee, other than myself, is attending the meeting virtually. Again, I'm George Gleason, Chairman and Chief Executive Officer. Other nominees are Nicholas Brown, Paula Cholmondeley, Beverly Cole, Robert East, Kathleen Franklin, Catherine Freedberg, Jeffrey Gearhart, Peter Kenny, William Koefoed, Christopher Orndorff, Steven Sadoff, and Ross Whipple. These 13 individuals are the nominees to the board of directors on which shareholders will be voting today. Thank you, ladies and gentlemen. Todd Eldredge of PricewaterhouseCoopers LLP, our independent registered public accountant, is available through the virtual meeting forum to respond to appropriate questions during the question and answer portion of the meeting. I would now like to recognize Helen Brown, Secretary of the Meeting, to report on whether a quorum is present for the meeting. The shareholders list shows that holders of 129,650,437 shares of common stock of the company are entitled to vote at this meeting. We are informed by the inspectors that there are represented in person or by proxy 118,796,280 shares of common stock, or approximately 92% of all shares entitled to vote at this meeting. Therefore, I am pleased to report that a quorum is established for the meeting. I also have a certified list of shareholders as of record date of February 25th, 2021, and it will be available for inspection during the meeting. Thank you. Because holders of a majority of the shares entitled to vote at this meeting are present in person or by proxy, I declare this meeting to be duly convened for purposes of transacting such business as may properly come before it. The polls for the proposals to be voted on at this meeting are now open. Shareholders who are voting by proxy need not cast ballots in the voting today unless they wish to change the vote on their previously submitted proxy. Additional voting cards are available at the back of the room for anyone who wishes to overrule their previous proxy card, or who might wish to vote if they have not already done so. Anyone desiring to do so should raise their hand. Virtual participants may overrule their previous proxy card or vote if they have not already through the virtual meeting portal. After voting has been completed on all matters on the agenda, we will close the polls, and the inspectors of election will provide the preliminary report. The next order of business is a description of the matters to be voted on at today's meeting. Proposal number one, as listed on the proxy statement, is the election of 13 directors for the ensuing year. The nominations, as listed in the proxy, are George Gleason, Chairman and Chief Executive Officer, Nicholas Brown, Paula Cholmondeley, Beverly Cole, Robert East, Kathleen Franklin, Catherine Freedberg, Jeffrey Gearhart, Peter Kenny, William Koefoed, Christopher Orndorff, Steven Sadoff, and Ross Whipple. Proposal number two, as listed on the proxy statement, is the ratification of the appointment of PricewaterhouseCoopers LLP as our independent registered public accounting firm for the year ending December 31, 2021. Proposal number three, as listed on the proxy statement, is to approve on an advisory, non-binding basis. The compensation of the company's named executive officers as disclosed in the proxy statement. Proposal number four, as listed on the proxy statement, is to determine in an advisory, non-binding vote, the frequency of future advisory non-binding votes on the compensation paid to the company's named executive officers. The board of directors of the company recommend that you vote for each of the 13 director nominees in proposal number one, for each of proposals two and three, and for one year with respect to proposal number four. Because no other business is on the agenda to come before this meeting, we will proceed to voting. If you completed a voting card today to change or revoke a previously completed proxy, or to vote if you failed to complete and return your proxy, we will collect your voting card at this time. Are there any cards remaining to be collected? If all voting cards are collected, we will close the polls. The polls for these proposals are now closed. The votes on any ballots collected during this meeting that are not included in the report of inspectors at this meeting will be included in the final summary of the results of this annual meeting to be reported on Form 8-K, which will be filed with the Federal Deposit Insurance Corporation. I now call upon Secretary Brown to give the preliminary report of inspectors. We are informed by the inspectors that the ballots have been counted, and that each director nominee received the affirmative vote of a majority of all votes cast. The appointment of PricewaterhouseCoopers LLP as the company's independent registered public accounting firm received the affirmative vote of a majority of the votes cast. The compensation of the company's named executive officers as disclosed in the proxy statement received the affirmative vote of a majority of all votes cast. With respect to the frequency of the advisory non-binding shareholder vote on the compensation paid to the company's named executive officers, one year received the most votes cast. Thank you. Pursuant to these voting results, I declare the slate of 13 director nominees elected. The appointment of PricewaterhouseCoopers LLP as the company's independent registered public accounting firm for the year ending December 31, 2021, ratified. The compensation of the company's named executive officers as disclosed in the proxy statement, approved. The annual frequency of the advisory non-binding shareholder vote on the company's compensation to its named executive officers, approved. This concludes the business for this meeting. The meeting is now adjourned. At this time, we want to open the floor for questions from our shareholders. For shareholders attending the meeting virtually, please follow the instructions provided on the virtual meeting screen to submit questions. Mr. Chairman, there are no questions online. All right. There being no questions, that concludes our meeting. Thank you very much for joining us today and attending the meeting, and for your interest in the affairs of our company. Thank you. Have a great day, and we'll look forward to seeing you in a year.