Rick Weiss (Janney Montgomery Scott): Would the housing bill have any effect on Provident?

Paul Pantozzi: From what we heard we do not see any beneficial effect or adverse effect on our bank.

Matt Kelley (Sterne, Agee): What kind of data points do you have on the underwriting there combined loan to values on the home equity portfolio and are there any kind of trends or commentary on that piece of your loan book?

Chris Martin: We feel good about the portfolio itself, we never went really above 80% loan to values; we were never players in 100% or 125%. We score everybody, we look at the paper, and we do not want anybody to be overextended. It doesn't help them and it doesn't help us.

So, from that standpoint, we feel real good about that portfolio and draw downs were still in the low 40% utilization rate. So, though there might be people that will have to use it, we watch it, we are actually seeing a lot of business come in from the larger banks that have documentation that shut people down in the middle of what they are doing.

We are getting the advantage of them coming to us and albeit, we are not offering up the numbers that they probably had, but we are offering them a resolution to their issues and allowing them to still draw down some of the equity in their home.

Matt Kelley (Sterne, Agee): In the single family portfolio, are you seeing a significant pickup in origination activity and the potential for some opportunities for community institution like yourself to gain share?

Linda Niro: We have been seeing that all year as different players have exited the market, we are seeing people come back to community banks like Provident, and so we view it as an opportunity to put on additional residential loans, it helps us core up sell and expand relationships with our customers.

Paul Pantozzi: We never stop lending, and that is a key factor as well.