Banner Corporation

good morning or good afternoon or welcome to the banner corporation third quarter 2024 conference call and webcast my name is Adam and I'll be your operator for today if you'd like to ask a question during the Q&A portion of today's call you may do so by pressing star followed by one on your telephone keypad I will now hand the floor to Mark Ruscovich to begin so Mark please go ahead when you're ready thank you Adam and good morning everyone

I would also like to welcome you to the third quarter 2024 earnings call for Banner Corporation. Joining me on the call today is Rob Butterfield, Banner Corporation's Chief Financial Officer, Joe Rice, our Chief Credit Officer, and Rich Arnold, our Head of Investor Relations. Rich, would you please read our forward-looking safe harbor statement?

Sure, Mark. TAB, Good morning, our presentation today discusses banners business outlook, I will include forward looking statements. TAB, Those statements include descriptions of management's plans objectives or goals for future operations products or services. TAB, forecast of financial or other performance measures and statements about banners general outlook for economic and other conditions. TAB, We also may make other forward looking statements in the question and answer period following management's discussion. These forward-looking statements are subject to a number of risks and uncertainties, and actual results may differ materially from those discussed today. Information on the risk factors that could cause actual results to differ are available from the earnings press release that was released yesterday and the most recently filed form 10Q for the quarter ended June 30, 2024. Forward-looking statements are effective only as of the day they are made, and Banner assumes no obligation to update information concerning its expectations. Mark?