Carlos Sepulveda

Hello, and welcome, everyone, to the Annual Shareholders Meeting of Triumph Financial Inc. My name is Carlos Sepulveda, and I serve all of you in the capacity of Chairman of the Board. I'd like to welcome those shareholders here in person and those attending by webcast. I'd like to introduce my fellow Board members here this morning, Charles Anderson, Debra Bradford, Davis Deadman, Laura Easley, Aaron Graft, Melissa McSherry, Mike Rafferty, and Todd Sparks.

At this time, I'd also like to thank the 3 directors whose terms are expiring at this Annual Shareholders Meeting. Harrison Barnes, who's on our Board for 5 years; Richard Davis served us for 16 years, and Maribess Miller for 12 years. I'd like to thank these directors for their diligence and their many contributions over these time frames.

Also present are executive officers of the company and other members of senior management of the company and its subsidiaries. Brad Voss, Executive Vice President, Chief Financial Officer; Ed Schreyer, Executive Vice President and Chief Operating Officer; Adam Nelson, Executive Vice President, General Counsel and Corporate Secretary; Todd Ritterbusch, President of Payments and Banking of TBK Bank. Also present is Oscar Santillan of Crowe LLP, our independent registered public accounting firm. He will be available to answer any questions you might have.

Adam Nelson, our Executive Vice President, General Counsel and Secretary, will act as Secretary of today's meeting, and Brad Voss, our Chief Financial Officer, will act as the Inspector of Elections.

I'll now turn the meeting over