Sandy Spring Bancorp, Inc.

Thank you for attending today's Sandy Spring Bancorp, Inc. Earnings Conference Call and Webcast for the fourth quarter of 2023. My name is Megan, and I'll 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 would now like to pass the conference over to Daniel J. Schreider, CEO and President of Sandy Spring Bancorp. Daniel, please go ahead.

Thank you, Megan. Good afternoon, everyone. Thank you for joining our call to discuss Sandy Spring Bancorp's performance for the fourth quarter of 2023. This is Dan Schreider, and I'm joined here by my colleagues Phil Mantua, our Chief Financial Officer, and Aaron Kaslow, 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 give the customary safe harbor statement.

Aaron? Thank you, Dan. Good afternoon, everyone. Standings from 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.