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Operator Ladies and gentlemen, thank you for standing by. Welcome to the Heritage Financial Earnings Conference Call. [Operator Instructions]. Later there will be an opportunity for questions-and-answers with instructions given at that time. [Operator Instructions]. I will now turn the conference call over to your host, President and CEO, Jeff Deuel. Please go ahead. Jeffrey J. Deuel Chief Executive Officer and Director Thank you, Alan. Welcome to all who called in and those who may listen later, this is Jeff Deuel, CEO of Heritage. Attending with me are Don Hinson, our Chief Financial Officer; Bryan McDonald, our Chief Operating Officer and; Tony Chalfant, our Chief Credit Officer. Our earnings release went out this morning pre-market and hopefully you have had the opportunity to review it prior to this call. We have also posted an updated fourth quarter investor presentation on our Investor Relations portion of our website.

Matthew clark piper sandlerJeff deuelTony chalfantPiper sandlerBryan mcdonaldJacquelynne bohlenJackie bohlenBryand mcdonaldJeffreyj deuelMatthew clarkDonaldj hinsonDon hinsonHeritage financial corporationJeffrey rulis da davidson coHeritage financial earnings conferenceExecutive officer