 On this call, representatives of Investors Bancorp, Inc. may make some forward-looking statements with respect to its financial position, results of operation and business. For a more complete discussion of certain risks and uncertainties affecting Investors Bancorp, please see the section entitled Risk Factors, Management Discussions and Analyst of Financial Condition and Results of Operations set forth in Investors Bancorps filings with the SEC. Now Id like to turn the call over to Mr. Kevin Cummings, Chairman and CEO of Investors Bancorp. 