I speak often about the Power of Teamwork, and this is far more than just a signature phrase for me. As I walk around and meet our employees and our customers, I am constantly reminded of how much we all contribute to each other, in meaningful and powerful ways. Our plans for future success are based on the strengths we share, and as we move forward together I am confident that Union Bank of California will become an even more valued member of the community and an institution of force and influence in the banking industry.