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Operator: Good morning, and welcome to the United Community Banks Fourth Quarter Financial Results Conference Call. All participants will be in a listen-only mode.

United statesRob edwardsCatherine mealorJefferson harralsonDavid nastRichard bradshawLynn hartonLargest plastic manufacturing companiesProgress bankLeadership academyUnited community banks incEmployee engagementUnidentified company representativeUnited community banks fourth quarterUnited community banksCall transcript january