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All participants will be in a listen-only mode. Operator Instructions After today's presentation, there will be an opportunity ask questions. Operator Instructions Please note, this event is being recorded. Please go ahead, sir.

sandu Thank you, Cole, and good afternoon, everyone. Thank you for ing us for our conference call to discuss Sandy Spring Bancorp's performance for the first quarter of Today's call is escorts in arlington virginia to all investors, analysts and the media. There will be a live webcast of today's call, and a replay will be available on our website later today.

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Before we get started covering highlights from the quarter and taking your questions, Ron will give the customary safe harbor statement. Ronald E. Thank you, Dan.

Good afternoon, ladies and gentlemen. Sandy Spring Bancorp will make forward-looking statements in this conference call and webcast that are subject to risks and uncertainties. phila escort

These forward looking ebony bbw escort birmingham include statements of goals, intentions, earnings and other expectations, estimates of risk and future costs and benefits, assessments of probable loan and lease losses, assessments of market risk and statements of the ability to achieve financial and other goals. These forward-looking statements are subject to ificant uncertainties because they are based upon or affected by management's estimates and projections of future interest rates, market behavior and other economic conditions, future laws and regulations and a variety of other matters, which by their very nature, are subject to ificant uncertainties.

Because of these uncertainties, Sandy Spring Bancorp's actual future may differ materially from those indicated.