Webcast Sandy Spring Bancorp, Inc. 4th Quarter 2009 Earnings Conference Call and Webcast Thursday, January 28, 2010, 2:00 PM ET

Sandy Spring Bancorp, Inc. (Nasdaq: SASR) is the largest bank holding company headquartered in Maryland. Its primary subsidiary Sandy Spring Bank traces its origin to 1868 making it among the oldest banking institutions in the region.

Sandy Spring Bank operates a full line of financial services through a network of 42 community offices in the highly desirable market of greater Washington, D.C. including offices in Montgomery, Howard, Frederick, Carroll, Anne Arundel and Prince George's Counties in Maryland and Fairfax and Loudoun Counties in Northern Virginia.

Sandy Spring offers automated and in-person telephone banking, and sophisticated online banking products for individuals, small and mid-sized businesses. Through an affiliation with the Allpoint ATM network, clients have free nationwide ATM access at more than 32,000 locations.

Business lines include:

• Commercial Banking
• Retail Banking
• Commercial Real Estate
• Treasury Management
• Investment Management and Fiduciary Services
• Mortgage Lending
• Investment Services

In addition, Sandy Spring Bank owns the following subsidiary companies that broaden the scope of financial products and services available to clients located in and beyond its primary service area:

West Financial Services, Inc. offers comprehensive financial planning, wealth management, and asset management for high net worth individuals, businesses, and associations.

Sandy Spring Insurance Corporation (trading as Chesapeake Insurance Company, Wolfe & Reichelt Insurance Agency, and Neff & Associates) offers commercial and personal lines of insurance as well as surety bonds, workers compensation, and professional liability protection.

Sandy Spring is a community banking organization with a long-standing reputation for outstanding client service. We are committed to superior financial performance to enhance long-term shareholder value as the means to remain independent and thus serve the local community most beneficially.

Increases in assets and revenues have been from both organic sources and acquisition following a strategy of re-energized growth. Opportunities for expansion of core banking business and related activities are routinely explored.

Current financial highlights and peer comparisons are available on this site.