On behalf of the IECA, I would like to welcome you to the 94th IECA Annual Conference in Naples, Florida. This event is designed for credit and risk professionals at all levels. Our program will feature two keynote speakers - Jason Manar joins us from the FBI to address emerging cyber technology and the possible risks to the energy industry, while Patricia Rossi, Etiquette Coach, will talk about how business growth and social influence can work together to promote success. Additionally, we have a wide range of sessions covering pertinent topics from the energy industry, plus our highly rated CRMCP course. During this conference, there will also be various opportunities to meet your peers at our Trade Show, networking dinners, and our Monday afternoon activities.