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Operator Good day and welcome to the OceanFirst Financial Corp. Earnings Conference Call. [Operator Instructions] Please note that this event is being recorded. I would now like to turn the conference over to Jill Hewitt. Please go ahead. Jill Apito Hewitt Senior Vice President, Investor Relations Officer Thanks, Tom. Good morning and thank you all for joining us. I m Jill Hewitt, Senior Vice President and Investor Relations Officer at OceanFirst Financial Corp. We will begin this morning s call with our forward-looking statement disclosure. Please remember that many of our remarks today contain forward-looking statements based on current expectations. Refer to our press release and other public filings, including the risk factors in our 10-K, where you will find factors that could cause actual results to differ materially from these forward-looking statements. Thank you.

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