Good afternoon, ladies and gentlemen. Thank you for standing by. Welcome to the Preferred Bank second quarter 2010 conference call. During today's presentation all participants will be in a listen-only mode. Following the presentation the conference will be opened for questions. (Operator Instructions) This conference is being recorded today, Thursday, July 29, 2010, and I would now like to turn the conference over to Lasse Glassen of Financial Relations Board. Please go ahead, sir. Lasse Glassen Thank you. Good day, everyone, and thanks for joining us to discuss Preferred Bank's results for the second quarter ended June 30, 2010. With us today from management are Mr. Li Yu, Chairman, President and Chief Executive Officer; Ed Czajka, Chief Financial Officer; and Louie Couto, Acting Chief Credit Officer. Management will provide a brief summary of the quarter and then we'll open the call up to your questions. During the course of the conference call, statements made by management may include forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements are based upon specific assumptions that may or may not prove correct. Forward-looking statements are also subject to known and unknown risks, uncertainties and other factors relating to Preferred Bank's operations and business environment, all of which are difficult to predict and many of which are beyond the control of Preferred Bank.