Sandy Spring Bancorp, Inc.

Good day and welcome to Sandy Spring Bank Corp. Earnings Conference Call and Webcast for the fourth quarter of 2020. All participants will be in listen-only mode. Should you need assistance, please signal conference specialist pressing the star key followed by zero. After today's presentation, there will be opportunity to ask questions. Please note that this event is being recorded. Now I'd like to turn the conference over to Mr. Daniel Schreider, President and CEO. Please go ahead.

Thank you, and good afternoon, everyone. I appreciate you joining us for our conference call to discuss Sandy Spring Bancorp's performance for the fourth quarter of 2020. Today, we'll also bring you up to date on our response to an impact from the COVID-19 pandemic. This is Dan Schreider, and I'm joined here by my colleagues Phil Mantua, Chief Financial Officer, and Aaron Caslow, General Counsel for Sandy Spring Bancorp. Today's call is open to all investors, analysts, and the media. There will be a live webcast of today's call, and a replay will be available on our website later today. But before we get started covering highlights from the quarter and taking your questions, Aaron will give the customary safe harbor statement.

Thank you, Dan. Good afternoon, everyone. Sandy Spring Bancorp will make forward-looking statements in this webcast that are subject to risks and uncertainties. These forward-looking statements include statements of goals, intentions, earnings, and other expectations, estimates of risks and future costs and benefits, assessments of expected credit losses, assessments of market risk, and statements of the ability to achieve financial and other goals. These forward-looking statements are subject to significant uncertainties because they are based upon or affected by management's estimates and projections of future interest rates, market behavior, other economic conditions, future laws and regulations, and a variety of other matters, including the impact of the COVID-19 pandemic, which by their very nature are subject to significant uncertainties. Because of these uncertainties, Sandy Spring Bancorp's actual future results may differ materially from those indicated. In addition, the company's past results of operations do not necessarily indicate its future results.