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This audio webcast contains statements about our future expectations, plans and prospects, including statements regarding our strategy, future operations, prospects, plans and objectives, and other statements containing the words "believes," "anticipates," "plans," "expects," “potential,” “could,” and similar expressions, which constitute forward-looking statements within the meaning of The Private Securities Litigation Reform Act of 1995. Actual results may differ materially from those indicated by such forward-looking statements as a result of various important factors discussed in the "Risk Factors" section of the company’s Annual Report on Form 10-K as filed with the Securities and Exchange Commission (SEC) on March 11, 2019, and in other filings Spring Bank makes with the SEC from time to time. Spring Bank anticipates that subsequent events and developments will cause its views to change. However, while the company may elect to update these forward-looking statements at some point in the future, it specifically disclaims any obligation to do so.