PresentationI'll now hand over to your host, Alfred Goon, to begin. Please go ahead, Alfred.Hello, everyone, and thank you for joining us today for the OceanFirst Financial Corp. Investor Call. My name is Sami, and I'll be coordinating your call today. [Operator Instructions]Alfred GoonSenior Vice President of Corporate Development & Investor Relations Thank you. Good morning, and happy holidays. I am Alfred Goon, SVP of Corporate Development and Investor Relations. We appreciate you joining us for today's ...