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Operator: Good morning, and welcome to the Washington Trust Bank Conference Call. My name is Bruno and I ll be your operator today. . Today s call is being recorded.

District of columbiaUnited statesMark gimElizabeth eckelLaurie hunsickerBill wrayRon ohsbergBank stocks toWashington trust bank conference callWashington trust bancorp incCorporate communications officerLi councilWashington trust bancorpCall transcript januaryWashington trust bank conferenceExecutive vice president