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February 4, 2011 1:00 PM ET
Steve Fowle – EVP and CFO
Mark Turner – President and CEO
Rodger Levenson – Director, Commercial Banking
Rick Wright – Director, Marketing, Retail Banking
Michael Sarcone – Sandler O’Neill
Andy Stapp – B. Riley & Company
Matt Schultheis – Boenning & Scattergood
Steve Moss – Janney Montgomery Scott
Zack Bowen – CL King
Austin Reeve – North Oak Capital
Andy Stapp – B. Riley & Co
Nancy Frohna – 1492 Capital Management
Good day, ladies and gentlemen and welcome to the WSFS Financial Corporation’s fourth quarter 2010 earnings conference call. At this time, all participants are in a listen-only mode. Later we will conduct a question-and-answer session and instructions will follow at that time. (Operator Instructions) And as a reminder, this conference call is being recorded.
I would now like to introduce your host for today’s conference Steve Fowle, Executive Vice President and Chief Financial Officer. You may begin.
Thank you Jerome (ph) and thank you to everyone participating on the call. I would like to introduce the people here with me they will be participating on the call. Mark Turner, President and CEO of WSFS; Rodger Levenson, Director of Commercial Banking; Rick Wright, Director of Marketing and Retail Banking and myself.
Before Mark begins with his opening remarks, I’d like to read our Safe Harbor statement. The following discussion may contain statements which are not historical facts and are forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995.