 On this call, representatives of Investors Bancorp, Inc. may make some forward-looking statements with respect to its financial position, results of operations and business. For a more complete discussion of the certain risks and uncertainties affecting Investors Bancorp, please see the section entitled Risk Factors, Management Discussion and Analysis of Financial Conditions and Results of Operations set forth in Investor Bancorps filings with the SEC. Today, I would like to turn the call over to Kevin Cummings, Chairman and CEO of Investors Bancorp. 