I've become uniquely qualified in the banking industry over the past 12 years by partnering with numerous growing companies. I've learned to take a proactive approach to defining and addressing my customers' needs while making recommendations that help them save time, money and build their financial strength. I'm particularly proud to be part of First Citizens Bank. Our bank is over 123 years old and is the largest family controlled bank in the United States, which affords us a strong degree of stability that many of our competitors cannot claim. With over $100B in assets, our broad business product line and our conservative lending practices, we take a long-term approach to how we do business while focusing our energy on understanding our customers' objectives and requirements for success. This approach helps assure our customers that they've chosen a very safe a secure financial institution for their banking objectives.