reverend c.t. vivian, controller curry, director watt, thank you all for being here and for the dedication that so many of you have every day to the cause of financial inclusion. i also want to thank john hope bryant, chairman and ceo of operation hope and the member of the president's advisory council on financial capability for young americans. he really did help make this day possible. the outstanding work that he does every day on financial inclusion is really an inspiration to many. [applause] secretary lew: since about a year ago, john suggested to me that we rename our annex building, and i want to thank him for that idea because today that idea is becoming a reality. the history of the freedman's bank began more than 150 years ago when congress passed and president lincoln signed a law to create freedman's savings and trust. the freedman's bank was established to help newly freed african-americans to build wealth by providing a safe place to bank and save new earnings. its headquarters were in the