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foreign webinar thank you for participating in our discussion today on loan modification and forbearance agreements this is the first of three webinars in this years commercial loan workout webinar series our presenters today are Drew peerbeck Jeff bezak and Colleen Simmons before we begin I want to cover a few housekeeping items at the bottom of your screen or multiple application widgets you can use all of the widgets are resizable and movable so feel free to move them around to get the most of your desktop space if you have any questions during the webinar you can submit them through the private q a widget without disturbance to the program questions will be answered at the end time permitting if you are having any technical issues you can find answers to Common technical troubles located in The Help widget at the bottom of your screen or you can submit a question through the Q a widget an on-demand version of the webinar will be available approximately one hour after the program h