Ladies and gentlemen, thank you for standing by. My name is Abby and I'll be your conference operator today. (Operator Instructions) Thank you. And I would now like to turn the conference over to ...

Good day, everyone and welcome to the First Internet Bank Group's fourth quarter and full year 2024 conference call. (Operator Instructions). Please note that today's event is being recorded. I would ...

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Presentation Operator Ladies and gentlemen, thank you for standing by. My name is Abby and I'll be your conference operator ...

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