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Operator Good morning, ladies and gentlemen, and welcome to Trustmark Corporation s Fourth quarter Earnings Conference Call. [Operator Instructions] It is now my pleasure to introduce Mr. Joey Rein, Director of Investor Relations at Trustmark. F. Joseph Rein, Jr. Senior Vice President, Assistant Secretary and Director of Corporate Strategy and Board Governance Good morning. I d like to remind everyone that a copy of our fourth quarter earnings release as well as the slide presentation that will be discussed on our call this morning, is available on the Investor Relations section of our website at trustmark.com. During the course of our call, management may make forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. We would like to caution you that these forward-looking statements may differ materially from actual results due to a number of risks and uncertainties, which are outlined in our earnings release and ....