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hello everyone this is ernie humphrey the ceo of treasury webinars pleased to welcome you to our session today session thats near and dear to my heart the new 2020 afp service codes what it means for you and your banks back in the day i used to manage on the afp service codes many moons ago and i had the opportunity to meet a bridget meyer and she is absolutely the world expert on the service codes and she let me know that we had an update and i said wow thats really important i think we need to uh inform our treasury and finance colleagues there of this incredibly important topic so what ill do is ill just go ahead and handle florida bridges its going to be hard for me not to talk the whole time but but ill do my best bridgette like to welcome you to the session but give us a little bit um about your background then lets dive in absolutely ernie im so glad that you docHubed out i think you know you and i got to work together back in the day when we were managing afp service co