Operator Good day and welcome to the Sandy Spring Bancorp Earnings Conference Call and Webcast for the Fourth Quarter of 2020. [Operator Instructions] Please note that this event is being recorded. Now, I'd like to turn the conference over to Mr. Daniel Schrider, President and CEO. Please go ahead. Daniel J. Schrider -- Vice Chairman, President and Chief Executive Officer Thank you, and good afternoon, everyone. I appreciate you joining us for our conference call to discuss Sandy Spring Bancorp's performance for the fourth quarter of 2020. Today, we will also bring you up-to-date on our response to an impact from the COVID-19 pandemic.