to welcome and and full you call. earnings our Thank XXXX year quarter fourth
today reform. me watershed Hankerd, Chief Slide Financial On Officer. XXXX Niles, are and we our John have Credit Chief regulatory tax for It's X, been our year highlights. Officer; a and Chris Joining
we're Bank reform We Mutual benefit the receive our colleagues. for our regulatory week shareholders and are customers, pleased tax approval optimistic to transaction to the about this of and our
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it And your open we'll up to you. questions. So with that, thank
