Hello, and welcome to the annual meeting of shareholders at UMB Financial Corporation. Please note that today's meeting is being recorded. During the meeting, we'll have a question- and- answer session. You can submit questions or comments at any time by clicking on the message icon. It is now my pleasure to turn today's meeting over to Mariner Kemper, UMB's Chairman and Chief Executive Officer. Mr. Kemper, the floor is yours. Thank you. Good morning. Thank you all for joining us virtually today for our annual meeting of shareholders. Before I get to the business meeting, yesterday, we announced both our strong first quarter 2024 results and some exciting news regarding an acquisition. Our press releases and presentations are on our investor relations website, and I encourage you to go listen and replay our investor call for more details. I'm looking forward to continuing the momentum throughout the rest of 2024 and beyond. As much as we're thrilled about the news, today's call and Q and A will be limited to the business of our annual meeting. As annual meetings generally reflect results from the prior year, we have included a couple of pages in our presentation about our 2022 performance. It was a great year, and you can review those slides for a few highlights. I'd also like to note that our 2023 Corporate Citizenship Report is now available on our website. I encourage you to take a look and read about all the new and ongoing initiatives to take care of our resources and meet the needs of our associates, communities, and customers. Again, it's the right thing to do, not just a fad here at UMB. Now I'll turn it over to the business part of the meeting. I'll call the meeting to order. As Chairman of the Board of UMB Financial Corporation, I'll be presiding over the meeting. This annual meeting of shareholders is held pursuant to the bylaws of the company and written notice to all shareholders. The secretary has delivered an affidavit of mailing from our transfer agent, affirming that the notice of the meeting was duly given. A copy of that notice and affidavit will be included in the minutes of the meeting. Shareholders of record at the close of business on March first, 2024, are entitled to vote at the meeting. The rules of the meeting are available for review at the meeting's portal. I'd now like to introduce our excellent directors of UMB, who are in attendance today. We welcome Robin Beery, Janine Davidson, Kevin Gallagher, Greg Graves, Gordon Lansford III, Tim Murphy, Tammy Peterman, Kris Robbins, Josh Sosland, and Leroy Williams. In addition, we have our advisory directors with us, Tom Wood III and Jim Rine. Also attending the meeting are Jeff Bierman and Sean Stoker of KPMG, our independent auditors. Although KPMG has indicated that it does not wish to make a statement, these representatives are available to respond to appropriate questions during the Q and A period of the meeting. In accordance with our bylaws, I will act as chairman of the meeting, and Mr. Pauls will act as secretary of the meeting. As chairman, I appoint John Pauls and Megan Mercer from UMB and Ruth Burnett from our transfer agent as inspectors to receive and canvass the votes and certify the results. I request that the inspectors file their oaths of office with the secretary for inclusion in the meeting minutes. The secretary has a list of the holders of record of common stock at the close of business on March 1, 2024. This list has been open for examination at the company for any purpose relevant to the meeting for the past 10 days, during ordinary business hours. This list is also available during this meeting by any shareholder on the meeting website. The secretary will please file a copy of the list of shareholders with the record of the company. Mr. Pauls, will you please present your report of attendance at the meeting so we can determine whether we have a quorum? Mr. Chairman, on March 1, 2024, the record date of this annual meeting, there were outstanding and entitled to vote, a total of 48,742,069 shares of common stock. I've been informed that there were 43,990,960 shares of stock represented by proxy, or approximately 90.25% of all shares entitled to vote at this annual meeting. Shares represented exceeds 50% of the total shares entitled to vote at this meeting, and thus constitute a quorum. Thank you, Mr. Pauls. On that basis of the secretary's report, I find the proper notice has been given, and a quorum is present. Accordingly, this meeting has been properly convened. It is 9:06 A.M. on April 30th, and the poll for voting on all matters are open. All shareholders entitled to vote at this meeting have the ability to do so online. If you have not voted, or if you want to change your vote you previously cast, please do so via the website using the access just for this meeting. Please remember that if you've already voted by proxy, it's not necessary to vote again. After voting has been completed on all matters on the agenda, we will close the polls, and the inspector of election will provide his preliminary report. We'll move now to review the proposals. The first proposal to come before the meeting is election of directors at this meeting. We will be electing each of the 11 directors for a one-year term, expiring at the end of 2025 annual shareholders meeting. The nominees are Robin Beery, Janine Davidson, Kevin Gallagher, Greg Graves, Gordon Lansford III, Tim Murphy, Tammy Peterman, Kris Robbins, Josh Sosland, Leroy Williams Jr., and myself, Mariner Kemper. Information concerning the profession, skills, and qualifications of the key nominees is contained in the proxy statement. No other nominations were received prior to the deadline established by the company's bylaws. Therefore, no additional nominations may be made at the meeting. I declare the nominations to be closed. Proposal two, ask shareholders to approve an advisory resolution on the fiscal year 2023 compensation of named executive officers, all as described in our proxy statement. This proposal is advisory. Although non-binding, the vote will provide information to our Compensation and Corporate Governance Committees regarding investor sentiment about our executive compensation philosophy, policies, and practices. This sentiment will be considered when making future compensation decisions. Proposal three is the ratification of the appointment of KPMG as the company's independent registered public accounting firm to audit the company's financial statements of fiscal year ending December 31, 2024. The board of directors recommends that the appointment be ratified. The final matter to come before the meeting is a request for shareholders to approve the amendment to the UMB Financial Corporation Omnibus Incentive Compensation Plan to increase the maximum number of shares available for the issuance by 1.8 million shares, to 85 million shares. The plan provides for the grant of cash and equity-based rewards to officers, employees, and directors to closely link the long-term financial rewards of the recipient with the increase in company shareholder value. The capacity added by the amendment, amended plan will enhance the company's ability to attract, retain effective, capable officers and employees and directors who will add to the continued growth and success of the company. The Board recommends the shareholder vote for the approval of the amendment to our Omnibus Incentive Compensation Plan. We now appear to have all the proxies and ballots, and I declare the poll to be closed. The Inspector of the election will maintain the proxies and ballots and will tally the votes. Mr. Secretary, will you report on the results, please? Mr. Chairman, based on the Inspector of Elections preliminary report, each of the nominees for directors received more than 91.69% of the votes cast in favor of his or her election, and has been elected as director of the company to serve for a 1-year term that will expire in 2025. The resolution on advisory basis for the compensation of our main executive officers for fiscal 2023 received more than 97.13% of the votes cast in favor of the proposal and has been approved. The ratification of the appointment of KPMG as the company's independent registered public accounting firm received more than 99.46% of the votes in favor, and the appointment has been ratified. The amendments to the UMB Financial Omnibus Incentive Compensation Plan received more than 92.25% of the votes in favor and has been approved. We will file the final report of the Inspector of Election with the records of this meeting, and we expect to report voting results on a Form 8-K to be filed with the SEC within four business days of this meeting. Thank you, Mr. Pauls. That's excellent. That concludes the business for this meeting. The meeting is now adjourned. Now I'd like to turn it over and see if there are any questions I might answer. Mr. Kimper, as of right now, we do not have any questions. Great, Mr. Pauls. Thank you very much. Thanks, everybody, for joining today. We're very excited about not only 2023's results, but also the first quarter of 2024 and our very exciting news about the agreement to acquire Heartland Financial. We are pumped about leaning it in and getting it done for our shareholders in the coming year and beyond. Thanks for your time. The slides we discussed this morning are available on our website, and a replay of the meeting will be available shortly. Thanks again for your continued support of UMB, and we'll talk to you again soon. This concludes the meeting. You may now disconnect.