Sandy Spring Bancorp, Inc.

Good afternoon, everyone, and welcome to the Sandy Spring Bank Corp. Incorporated Earnings Conference Call-In Webcast for the first quarter of 2021. All participants will be in a listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, it will be an opportunity to ask questions. To ask a question, you may press star and then one using a touchtone telephone. To withdraw your questions, you may press star and two. For your information, today's event is being recorded. At this time, I'd like to turn the conference call over to Mr. Dan Schreider. Sir, please go ahead.

Thank you, and good afternoon, everyone. Thank you for joining us for a conference call to discuss Sandy Spring Bank Horse performance for the first quarter of 2021. Today, we'll also bring you up to date on our response to an impact from the COVID-19 pandemic. This is Dan Schreider speaking, and I'm joined here by my colleagues Phil Mantua, Chief Financial Officer, and Aaron Caslow, General Counsel for Sandy Spring Bancorp. As usual, today's call is open to all investors, analysts, and the media. There's a live webcast of today's call, and a replay will be available on our website later today. So before we get started covering highlights from the quarter and taking your questions to Aaron will give the customary safe harbor statement. Aaron?

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.