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Palmer Proctor; Chief Executive Officer; Ameris Bancorp Doug Strange; Executive Vice president, Chief Credit officer; Ameris Bancorp Christopher Marinac; Analyst; Janney Manuel Navas; Analyst; D.A.

Good morning everyone and thank you for joining us today for the CTO realty growth third quarter, 2024 operating results conference call. I'm joined today by Phil Mays, our Chief Financial Officer.