Good morning and welcome to the Univest Corporation of Pennsylvania’s Fourth Quarter and Year-End 2015 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] Please note that this event is being recorded. I would now like to turn the conference over to Jeff Schweitzer, President and CEO of Univest Corporation of Pennsylvania. Please go ahead.

Thank you, Zelda, and good morning and thank you to all of our listeners for joining us. Joining me on the call this morning is Mike Keim, President of Univest Bank and Trust and our Chief Financial Officer. Before we begin, we remind everyone the forward-looking statements disclaimer. Please be advised that during the course of this conference call, management may make forward-looking statements that express management’s intentions, beliefs or expectations in the meaning of the Federal Securities Laws. Univest actual results may differ materially from those consequated by these forward-looking statements. I’ll refer you to the forward-looking cautionary statements in our earnings release and in our SEC filings. Hopefully, everyone had a chance to review our earnings release from yesterday. If not it can be found on our website at univest.net under the Investor Relations tab. We were pleased to have reported net income of $7.2 million during the fourth quarter, which included $540,000 of merger charges related to our entering into definitive agreement to acquire Fox Chase Bancorp. Excluding these charges, net income would have been $7.7 million as a significant amount of these charges were not tax deductible. Excluding these charges, our return on average assets and return on average tangible equity were a solid 1.06% and 12.92% respectively. In addition to the announced acquisition of Fox Chase, a highlight of the quarter was our loan growth of $81.2 million with on an annualized basis represents growth of 15%. The second and fourth quarters are historically our strongest quarters for loan growth and once again that proved true in 2015. For the year, our organic loan growth was a very solid 11%. While we did experience margin compression during the quarter, our net interest margin continues to be strong while compared to peer as our margin for…

Alright I appreciate it Zelda, and thank you to everyone for listening today. We appreciate you participating and look forward to our next quarterly call after the end of the first quarter. Have a great day.