Hi, I'm Tim Mislansky, President and CEO of Wright-Patt Credit Union. Every year, one of my favorite things is sharing good news with our members, and this year is no exception. Because of the trust you place in WPCU for your everyday banking, checking, savings, and other products, we're able to give back to you in a big way. I'm excited to share that in January, Wright-Patt Credit Union will return $8.3 million to our active members through a special patronage dividend, a celebration of the power of our financial cooperative. This year's dividend rewards members who use WPCU for their everyday banking needs. And if you didn't qualify this time, there's good news. You can start benefiting today by opening a checking account or taking advantage of one of our great savings options and generally using WPCU for more of your financial needs. Remember, it's our members' active use of the credit union that makes these special patronage dividends possible. The more you go all in with us, the more you can benefit, and the more our entire member community thrives. If you have questions about eligibility requirements for this year's special patronage dividend, please visit our web page. Thank you for trusting us with your money. We're proud to be your caring financial partner, and we look forward to helping you achieve your goals in 2026 and beyond.