


| D. Keith Hefner - President & CEO Lance L. Lanier - Executive Vice President Martha J. Bankston - Senior Vice President J. Kevin Bell - Senior Vice President Joe D. Ryan - Senior Vice President Joe Dan Stewart - Senior Vice President - Cashier Phyllis Billingsley - Vice President Mary F. Blount - Vice President W.N. (Dockey) Brasher - Vice President Darla J. Brown - Vice President Charla J. Munyak - Vice President Joyce L. Smith - Vice President Nathan Teague - Vice President Kelly Keener - Assistant Vice President |
Melinda McBride - Assistant Vice President |