A fixture in the community, WSFS Bank has been in operation for more than 189 years. Our mission is simple: "We Stand for Service." These securities are callable and have a maturity date of June 1, 2035. They are the core of our culture, they make us who we are and we live them every day. ERM reporting is also provided to the Board of Directors quarterly. At December 31, 2020, the balance of all such loans was approximately $57.9 million. In total, these product lines represented approximately 78% of total consumer loans. We also periodically buy loan participations from other banks. At December 31, 2020, one C&I relationship exceeded the $70.0 million "House Limit." We offer government-insured reverse mortgages to our customers. As a financial institution, we and the Bank have access to several sources of funding. The Company is also a public company subject to the reporting requirements of the SEC. Investment advisers also are subject to certain state securities laws and regulations. Extensions of credit to an affiliate usually must be over-collateralized. We may not be able to successfully manage our interest rate risk. Concentration of loans in our primary markets may increase our risk.