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Operator Good morning, and welcome to the Howard Bancorp, Incorporated First Quarter 2021 Financial Results Conference Call. My name is Robert, and I ll be your operator for today. [Operator Instructions] I would now like to turn the call over to your host Robert L. Carpenter, Executive Vice President and Chief Financial Officer of Howard Bancorp, Incorporated. Mr. Carpenter, you may begin. Robert L. Carpenter Executive Vice President, Chief Financial Officer Thank you, Robert. Good morning. I would like to begin by thanking everyone for joining the call this morning. Again, my name is Bob Carpenter, and I am the Chief Financial Officer here at Howard Bancorp.

United statesHoward countyBrody prestonBob carpenterMary ann scullyRandy jonesRob kunischPiper sandlerRobertd kunischBrody preston stephensCatherine mealorThomas randy jonesCasey whitmanMary annAnne arundelHoward bancorp incorporated