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good afternoon and thank you for joining us for the program certificate of deposit programs and broker deposits my name is Matt business and Im a bank regulatory lawyer in mayor Browns Washington DC office but before we get started a few housekeeping items we are offering CLE credit to those seeking it for todays session and well read the CLE code aloud when it appears throughout the presentation the CLE forms have been circulated along with the connection details for the session and they should be completed and returned to the Mayor Brown email address listed in the documents should you have any questions throughout the presentation feel free to enter them into our chat box and well do our best to answer finally please note that we will circulate a copy of the materials and a replay of this session in the coming days and with that Brad will take us at start us off thanks Matt and Im Brad Berman Im counsel here in the New York office and the capital markets Department next slide
