Our company started its Employee Stock Ownership Plan (“ESOP”) in 2007. Since that time, Bayview has promoted the value and benefits of Employee Ownership to its employees. This quarterly will include a recap of our ESOP Committee Happenings, and a quick lesson on stock diversification post-retirement. We will highlight some employees from each branch and some of Bayview’s recent projects. We are also excited to announce the opening of our new branch location in San Diego California.