Sandy Spring Bancorp, Inc.

Thank you for joining today's Sandy Spring Bancorp earnings conference call. My name is Tia, 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 would like to ask a question, please press star 1 on your telephone keypad. I will now pass the call over to Daniel J. Schreider, CEO and President. Please proceed.

Thank you, and good afternoon, everyone. Thank you for joining us to discuss Sandy Spring Bancorp's performance for the first quarter of 2024. This is Dan Schreider speaking, and I'm joined here by my colleagues Phil Mantua, our Chief Financial Officer, Charlie Cullum, Deputy 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 is 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 cover the customary safe harbor states.

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.