Carolina Farm Credit had another very successful year in 2013. While our annual report will be published next month that will provide the details, I am pleased to report that our final net earnings exceeded $40 million. This will allow us to return a significant portion of our earnings to you in the form of a patronage refund. We thank you for utilizing our products and services to meet your financial needs, which in turn allows our cooperative to be profitable and positioned to serve our membership into the future. I am also pleased to announce that we recently purchased a new building in Conover that will replace our existing Newton branch office. The building was formerly a bank branch and is being renovated to accommodate our staff and operations. The new building and location will allow us to enhance customer service and better meet the needs of our Catawba County customers. Located on Highway 70, it is both highly visible and much more accessible than our current location in Newton. We are very excited about this move that will take place later this spring. We are looking forward to the new opportunities 2014 will bring to you and Carolina Farm Credit. We recently implemented a convenient way for you to finance equipment purchased at participating dealers through Carolina Farm Credit. When purchasing new and used equipment this year, be sure to ask the dealer for Farm Credit Express financing. It will save you time and enable you to enjoy the same benefits that you receive for your other Carolina Farm Credit loans. Thank you for allowing Carolina Farm Credit to serve you and best wishes for a successful 2014.