 Sandy Spring Bancorp, Inc. NASDAQ:SASR Q3 2022 Earnings Conference Call October 20, 2022 2:00 PM ET Company Representatives Daniel Schrider - President, Chief Executive Officer Phil Mantua - Chief Financial Officer Aaron Kaslow - General Counsel, Chief Administrative Officer Conference Call Participants Catherine Mealor - KBW Manuel Novice - D.A. Davidson Operator Good afternoon! 