Privacy Statement FACTS WHAT DOES HARFORD BANK DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and other identifying information Employment and income account balances and payment history credit history and creditworthiness When you are no longer our customer, we continue to share your information as described in this notice. How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Harford Bank chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Harford Bank share? Can you limit this sharing? For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus YES NO For our marketing purposes — to offer our products and services to you YES NO For joint marketing with other financial companies YES NO For our affiliates’ everyday business purposes — information about your transactions and experiences NO We do not share For our affiliates’ everyday business purposes — information about your creditworthiness NO We do not share For nonaffiliates to market to you NO We do not share Questions? CALL (410) 272-5000 OR GO TO: www.harfordbank.com Who We Are Who is providing this notice? This notice is being provided by Harford Bank What We Do How does Harford Bank protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does Harford Bank collect my personal information? We collect your personal information, for example, when you open an account or deposit money pay your bills or apply for a loan use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes— information about your creditworthiness affiliates from using your information to market to you sharing for non affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. Harford Bank does not share with our affiliate. Nonaffiliates Companies not related by common ownership or control. They can be financial or nonfinancial companies. Harford Bank does not share information with non affiliates so they can market to you. Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners can include financial institutions such as insurance companies and financial product and service marketing companies. Other Important Information If, in addition to federal law, you are protected by specific state or local regulations concerning information sharing and marketing, Harford Bank will fully comply with these regulations as well. We may report information about your account(s) to credit bureaus. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report.