Sandy Spring Bancorp, Inc.

earnings conference call and webcast for the fourth quarter of 2021. My name is Lauren and I will be coordinating your call today. If you would like to ask a question during the presentation, you may do so by pressing star followed by one on your telephone keypad. I will now hand you over to your host, Daniel J. Schreider, President and CEO to begin. Daniel, please go ahead.

Thank you, Lauren, and good afternoon, everyone. Thank you for joining us for our conference call to discuss Sandy Spring Bancorp's performance for the fourth quarter of 2021. This is Dan Schreider speaking, and I'm joined here by my colleagues, Phil Mantua, our 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's a live webcast of today's call and a replay will be available on our website later today. 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.