If you've ever spent any time at Sandy Spring Bank, you know that our people distinguish us. We employ empathetic and caring individuals who are also remarkable professionals.

I want to say a special thank you to our 1,100 employees. This Corporate Responsibility Report is a testament to how you always strive to do what is right for our shareholders, clients, community partners, and colleagues. You make personal connections with the individuals, families, and businesses we serve and work hard to earn and maintain their trust.

As a local bank, what we do is personal for us. We live, work, and raise our families in the communities we serve. We believe in what we do because our clients are neighbors, and the businesses we bank power our local economy.

So once again, thank you to all our employees. You represent the best of Sandy Spring Bank, and it is my honor to work alongside you.

And to our shareholders and clients, we appreciate your partnership and trust. We are proud to serve you, and we are pleased to share our continued progress with you.

With gratitude,

Daniel J. Schrider Chair, President and CEO