Sundie Seefried | executive |
James Dennedy | executive |
William Waller | analyst |
Good afternoon. My name is Krista, and I'll be your conference operator today. At this time, I would like to welcome everyone to the Safe Harbor Financial Third Quarter 2023 Earnings Call. [Operator Instructions]. I will now turn the conference over to Erika Kay, Vice President. Erika, you may begin your conference.