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Operator Welcome to the Seacoast Fourth Quarter Earnings Conference Call. My name is Richard and I ll be your operator for today s call. [Operator Instructions] Before we begin, I have been asked to direct your attention to the statement contained at the end of the press release regarding forward-looking statements. Seacoast will be discussing issues that constitute forward-looking statements within the meaning of the Securities and Exchange Act and their comments today are intended to be covered within the meaning of that Act. [Operator Instructions] I will now turn the call over to Mr. Chuck Shaffer, President and CEO of Seacoast Bank. Mr. Schaffer, you may begin. ....