WaFd, Inc.

Good day and thank you for standing by. Welcome to the WAFED's bank announcement conference call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question and answer session. To ask a question during this session, you will need to press star 11 on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your question, please press star 11 again. Please be advised that today's conference is being recorded. I would now like to hand the conference over to your speaker today, Brad Goode, Woffhead Bank's Chief Marketing Officer. Sir, please go ahead.

Thank you, Michelle. Good morning, everybody. Thanks for joining us for an update about Woffhead Bank and the announcement about our strategic merger with EverBank. You can find our press release about the announcement, which we issued yesterday, on our website at WoffheadBank.com. Additional supplemental information about the announcement can be found in our Form 8-K filing with Securities Exchange Commission, which is also available on our website. During today's call, we'll make forward-looking statements which are subject to risks and uncertainties and are intended to be covered by the safe harbor provisions of federal securities law. Information on risk factors that could cause actual results to differ is available from the announcement press release, again, that was issued yesterday, and our Form 8-K. Forward statements are effective only as the date they are made, and WAPED assumes no obligation to update information concerning its expectations. We will also reference non-GAAP financial measures. With us this morning are WAPED Bank's CEO and Vice Chairman Brent Beardall, Chief Financial Officer Kelli Holz, and Greg Sibley, Chief Executive Officer of EverBank, and Pat Rusnick, EverBank's Chief Financial Officer. I'd now like to hand the call over to Mr. Beardall.

Thank you, Brad. and thank you all for joining us today to talk about the strategic merger of Woffhead Bank and Everbank. I'm very pleased to be joined today by my longtime friend and Pacific Northwest banking colleague, Greg Sibley, Everbank CEO. Greg and I met nearly 20 years ago when he was president and CEO at Sterling Bank in Spokane. Also joining us is Pat Rusnik, Everbank CFO, who like Greg, has a long history in Western banking, including serving as the CFO of Sterling Bank in Spokane and PacWest Bank. When Greg and I first started talking about the potential of this strategic combination several months ago, it became immediately clear to us our two banks would be stronger together in every way. It is not that our banks are identical. We are different than one another, but I think you will see With what we present this morning, those differences are actually very complementary of one another. Our conviction about this has only grown more resolute as we move through this process and both banks completed rigorous due diligence. Greg, welcome back to Seattle.