Sandy Spring Bancorp, Inc.

Good afternoon. Thank you for attending the Sandy Spring Bank Court Earnings Conference call and webcast for the fourth quarter of 2022. My name is Matt and I will be your moderator for today's call. All lines will be muted during the presentation portion of the call with an opportunity for questions and answers at the end. If you'd like to ask a question, please press star one on your telephone keypad. I would now like to pass the conference over to our host, Daniel Schreider, President and CEO. Daniel, please go ahead.

Thank you, Matt, 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 2022. As Matt mentioned, this is Dan Schreider speaking, and I'm joined here by my colleagues, Phil Mantua, Chief Financial Officer, and Aaron Caslow, General Counsel and Chief Administrative Officer. 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 made available later on our website. But before we get started covering highlights from the quarter and then taking your questions, 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 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.