Sandy Spring Bancorp, Inc.

Hello, and welcome to the Sandy Spring Bank Hope Inc. Second Quarter 2023 Earnings Conference Call and Webcast. My name is Alex. I'll be coordinating the call today. If you'd like to ask a question at the end of the presentation, you can press star followed by one on your telephone keypad. If you'd like to remove your question, you may press star followed by two. I'll now hand it over to your host, President and CEO, Daniel Schreider, to begin. Please go ahead.

Thank you. Good afternoon, everyone. Thank you for joining our call. to discuss Sandy Spring Bancorp's performance for the second quarter of 2023. This is Dan Schreider speaking, and I'm joined here by my colleagues Phil Mantua, our Chief Financial Officer, and Aaron Caslow, General Counsel and Chief Administrative Officer. Today's call is open to all investors, analysts, and the media, and there's a live webcast of the 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, I'll ask Aaron to 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 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.