Forward-looking statements can be identified by the use of the words "anticipate," "expect," "intend," "estimate," "target," and other words of similar import. Forward-looking statements are not historical facts but, instead, express only management's beliefs regarding future results or events, many of which, by their nature, are inherently uncertain and outside of management's control. It is possible that actual results and outcomes may differ, possibly materially, from the anticipated results or outcomes indicated in these forward-looking statements.Factors that may cause such a difference include, but are not limited to, general economic conditions and trends, either nationally or locally; conditions in the securities markets; changes in interest rates; changes in deposit flows, and in the demand for deposit, loan, and investment products and other financial services; changes in real estate values; changes in the quality or composition of our loan or investment portfolios; changes in competitive pressures among financial institutions or from non-financial institutions; new regulatory or legal requirements or obligations; the reaction of the companies' customers, employees, and counterparties to the proposed merger with Astoria Financial; customer disintermediation; inflation; expected synergies, cost savings, and other financial benefits of the proposed Astoria Financial merger might not be realized within the expected time frames or might be less than projected; the requisite regulatory approvals for the proposed Astoria Financial merger might not be obtained, or might not be obtained on a timely basis; and a variety of other matters which, by their nature, are subject to significant uncertainties and/or are beyond our control. More information regarding some of these factors is provided in the Risk Factors section of our Form 10-K for the year ended December 31, 2015 and in other reports we file with the U.S. Securities and Exchange Commission (the "SEC"), which are accessible on our website and at the SEC's website, www.sec.gov.
Our forward-looking statements are made only as of the date of this conference, the related webcast, and other related communications, and the Company does not undertake any obligation to update any forward-looking statements contained herein to reflect events or conditions after the date hereof.