Welcome important changes affecting your accounts effective june 1, 2018

Transcription

1 Welcome important changes affecting your accounts effective june 1, 2018

2 History of the Old Line State H H H H H H H H H H H H H H H H H H The state of Maryland earned her nickname the Old Line State in 1776 during the first major battle of the Revolutionary War. If not for the Maryland 400 who sacrificed their lives, allowing the Continental Army to escape, the British would have won that day. Maryland s regiment of soldiers, referred to as the Old Line, achieved the reputation as saviors of the cause of independence. As a tribute to those brave Maryland men, Old Line Bank proudly chose its name.

3 Welcome I am delighted to welcome you to the Old Line Bank family. We have been working hard to make sure the transition from Bay Bank to Old Line Bank is seamless for you. As an Old Line Bank customer, you have access to the largest community bank network in the state of Maryland with more than 35 full service branches serving Anne Arundel, Baltimore, Baltimore City, Calvert, Carroll, Charles, Frederick, Harford, Howard, Montgomery, Prince George s and St. Mary s Counties. As you get to know Old Line Bank, you will find that we are a community bank that is committed to serving our customers and helping grow the communities that surround our branch network. Since opening our first branch in 1989, our mission has been to deliver common sense banking services to businesses and individuals. We are proud to say that the deposits you entrust to us are put back into the community, providing loans to consumers and financing the expansion of local small businesses; which in turn, creates jobs and economic opportunity throughout the Baltimore/Washington suburban area. Giving back is a big part of who we are, we actively support local charities, non-profit organizations and schools. Old Line Bank and our employees are passionate about supporting the community we serve and readily volunteer hundreds of hours each year to a variety of organizations. The final step in the merger process will take place on Friday, June 1, 2018 when we combine the Bay Bank processing systems into the Old Line Bank system. During this process, there will be no interruption to everyday banking transactions. However, certain services may not be available for periods of time. To ensure a smooth transition, we have outlined everything you will need to know in this easy to read booklet. Please take a few minutes to review this information as well as the Disclosure Guide. You will find the following valuable information about your account: Systems Conversion Weekend Timeline Notice of Changes Online Banking, Bill Pay & Mobile Banking Instructions Customer Account Access & Highlights Fee Schedule (Disclosure Guide) Branch Listings & Hours Through the process of bringing two banks together, our goal is to facilitate a smooth conversion, allowing customers to continue to perform banking transactions as normal. If you have any questions, please contact your local branch. Sincerely, James W. Cornelsen President & Chief Executive Officer

4 Systems Conversion Weekend Timeline Please save any necessary information on your current Online Banking before the conversion. system merger begins june 1st at 6pm Bill Payments or Internal Transfers that are scheduled for June 2nd through June 4th will be delayed. Please take action to address these time sensitive items prior to June 1st or after the conversion on June 4th. Refer to pages 7-10 for more details. The final statement from Bay Bank s system will be cut at this time and might include activity from as little as one day. Online & Bill Pay system access will not be available after June 1st at 6PM and will remain offline through June 4th at 8AM. Mobile Banking will be unavailable after June 1st at 2PM through June 4th at 8AM. first business day on merged systems june 4th All customers can log on to Old Line Bank Online Banking from this date forward. Questions? before june 1st: Call your local branch. All branches will remain open with normal business hours during the conversion process. See pages for Old Line Bank Locations & Hours. after june 4th: Call Client Care & Loan Department: Corporate:

5 Table of Contents Table of Contents...1 Notice of Changes... 2 Electronic Funds Transfer (Regulation E)... 3 Availability of Funds & Collection of Checks (Regulation CC)... 3 Truth in Savings (Regulation DD) Online & Mobile Banking... 7 Personal Online & Mobile Banking, & Bill Pay Business Online & Mobile Banking, & Bill Pay...10 Customer Account Access...11 Debit Cards...12 ATM...12 Text Banking...12 Telephone Banking...12 Account Statements...13 E-Statements...13 Loans...14 Questions?...15 Old Line Bank Locations & Hours Corporate Headquarters, Branch Locations & Hours, & Lending Offices Location Map... Back Cover 1

6 EXPERIENCE IS OUR BEST ASSET Notice of Changes effective june 1, 2018 Pages 3-6: Detailed Account Changes 2

7 electronic funds transfer (regulation e), change in terms personal & business accounts Fees & Charges: A Fees & Charges list is included in the black and white Disclosure Booklet. ATM Deposits: The ATMs located at Arbutus, Bel Air, Canton-Highlandtown, Cockeysville, Columbia, Glen Burnie, Joppa Road, Lutherville, North Charles, Perry Hall and Pikesville will no longer be able to accept a deposit through the ATM after May 20, We conveniently provide secure Night Deposit facilities to make after-hours deposits. We also offer mobile deposits through our Mobile Phone Apps. availability of funds & collection of checks (regulation cc), change in terms Deposit Cut-Off Time Our Funds Availability Policy Disclosure is provided for you in the Disclosure Booklet. Deposits made by remote deposit will be considered on the same business day if made before 7:00 PM. Currently these deposits can be made until 11:00 PM. truth in savings (regulation dd), change in terms personal & business accounts Fees & Charges: A Fees & Charges list is included in the black and white Disclosure Booklet. Interest Compounding Frequencies: Old Line Bank compounds interest on all interest bearing deposit accounts daily. Your interest currently compounds monthly or quarterly, depending on the account type. Your interest compounding will change to daily compounding. Interest will credit to your account the same way with the exception of savings accounts. Interest will credit quarterly for most savings accounts. Time Deposit Penalty Changes: Old Line Bank imposes a penalty for early withdrawal on time deposits depending on the term of the deposit. For deposit maturities of three (3) months or less, the penalty is one (1) month loss of interest. For time deposits with maturity terms that are less than twelve (12) months the penalty is equal to three (3) months loss of interest. The penalty imposed for time deposits that are twelve (12) months or longer is six (6) months loss of interest. Currently your time deposit imposes an early withdrawal penalty for maturities of up to three (3) months equal to all the interest earned. Maturities up to twelve (12) months is calculated at three (3) months loss of interest and a twelve (12) months loss of interest penalty for maturities greater than twelve (12) months. Consumer Account Changes Bay Classic Checking The name on this account will change to Personal Checking. No other changes will be made. Bay Relationship Checking The name of this account will change to Consumer Checking. The account will continue to require the same combined daily balances in Checking, Savings, Money Market, Time Deposit, 3

8 Consumer Account Changes truth in savings (regulation dd), change in terms, continued and outstanding loan balances of $25,000, or a $2500 daily balance in this account to avoid fees. The first five (5) foreign ATM transactions provided at no charge on each statement cycle will no longer be offered, and will be assessed $1.50 per transaction. Bay Silver Checking The name of this account will change to Senior Checking RB. The account has no minimum balance requirements, and there is no monthly maintenance fee. This compares to a prior requirement to maintain a balance of $ or greater to avoid a $5.00 monthly fee. Separate rate tiers are not provided on the account as the same rate is now applied to the entire account balance, and interest will be paid for balances of $ and greater. Rate Information: The interest rate listed in each tier will be paid on the entire balance in your account. Daily Balance Range Equal to or greater than $ Interest Rate 0.10% Annual Percentage Yield (APY) 0.10% * Interest Rates are effective as of 5/1/2018 Bay Interest Checking The name of this account will change to Interest Checking. The account will continue to assess a $7.00 monthly maintenance fee each statement cycle. This maintenance fee is waived when a $ minimum daily balance is maintained. The maintenance fee will no longer be waived when twenty (20) Debit Card (POS) transactions are posted in the statement cycle. Bay Money Market The name on this account will be changed to Personal MMA DCB. The $10.00 excess withdrawal fee is being lowered to $5.00. Rate tiers will also change, providing an additional tier for balances in excess of $100, New Rate Tiers are as follows: Rate Information: The interest rate listed in each tier will be paid on the entire balance in your account. Tier Daily Balance Range Interest Rate (APY) * Equal to or greater than $0.01 but less than $10, Equal to or greater than $10, but less than $25, Equal to or greater than $25, but less than $50, Equal to or greater than $50, but less than $100, % 0.150% 0.200% 0.10% 0.15% 0.20% % 0.20% 5 Equal to or greater than $100, % 0.20% * Annual Percentage Yield. Interest Rates are effective as of 5/1/2018 4

9 Bay Savings The name on this account will change to Regular Savings RB. The account will continue to assess a $3.00 monthly maintenance fee. The maintenance fee will be waived when a minimum daily balance of $ is maintained. The $3.00 monthly maintenance fee will not be assessed, and the minimum daily balance requirement does not apply on one savings account included as the primary savings account in a Consumer Checking program, however, excess debit activity charges will apply. The stated interest rate to earn the effective Annual Percentage Yield on the account will be applied when balances exceed $ instead of $0.01. Bay Passbook Savings IRA The name on this account will change to Passbook IRA. This account will now be a time deposit passbook account, which will allow for additional deposits to be made and the term of the account will be twelve (12) months. Your passbook will still be updated as before. The account will receive a maturity notice annually and a renewal notice that will disclose the rate for the upcoming twelve (12) month term. Withdrawals may be made at any time without bank penalties, however, IRS penalties may apply. Business Account Changes Bay Non-Profit Checking The name on this account will change to Business NOW. The minimum balance requirement of $ is being eliminated along with the associated maintenance fee of $12.00 when the balance is not maintained. The account will allow for up to 350 transactions per statement cycle, increased from 50, and the fee for additional transactions in excess of that limit is $0.10, reduced from $0.25. The account will be interest bearing, with the following rate tiers: Rate Information: The interest rate listed in each tier will be paid on the entire balance in your account. Tier Daily Balance Range Interest Rate (APY) * 1 Equal to or greater than $1, but less than $2, % 0.05% 2 Equal to or greater than $2, % 0.10% * Annual Percentage Yield. Interest Rates are effective as of 5/1/2018 Business MMF The name on this account will change to Business Advantage MMA DCB. The excess withdrawal fee of $10.00 will be lowered to $5.00, and an additional rate tier will be added for balances in excess of $100, The new rate tiers are as follows: Rate Information: The interest rate listed in each tier will be paid on the entire balance in your account. 5

10 Business Account Changes truth in savings (regulation dd), change in terms, continued Tier Daily Balance Range Interest Rate (APY) * 1 Equal to or greater than $0.01 but less than $10, % 0.10% 2 3 Equal to or greater than $10, but less than $25, Equal to or greater than $25, but less than $50, % 0.200% 0.15% 0.20% 4 Equal to or greater than $50, but less than $100, % 0.20% 5 Equal to or greater than $100, % 0.20% * Annual Percentage Yield. Interest Rates are effective as of 5/1/2018 Bay Business Savings The name on this account will change to Business Savings RB. The monthly maintenance fee will remain the same at $5.00. The balance requirement to waive the maintenance fee is being reduced to $ from $ The excess withdrawal fee is also being eliminated. The account will now require a minimum balance of $ to earn interest, with additional rate tiers. New rate tiers are as follows: Rate Information: The interest rate listed in each tier will be paid on the entire balance in your account. Tier Daily Balance Range Interest Rate (APY) * 1 2 Equal to or greater than $ but less than $2, Equal to or greater than $2, but less than $10, % 0.150% 0.10% 0.15% 3 Equal to or greater than $10, % 0.20% * Annual Percentage Yield. Interest Rates are effective as of 5/1/2018 Business Relationship Checking The name on this account will be changing to Benefit Checking. No other changes will be made. 6

11 EXPERIENCE IS OUR BEST ASSET Online & Mobile Banking, & Bill Pay time line & action items Beginning June 1, 2018 at 6PM through June 4, 2018 at 8AM, you will not have access to Online Banking & Bill Pay while our systems merge. Mobile Banking will be unavailable after 2PM on June 1st through June 4th at 8AM. 7

12 Personal Online & Mobile Banking, & Bill Pay pages 8-9: personal account customers IMPORTANT TIME SENSITIVE ITEMS TO NOTE You will automatically be enrolled in the new Online Banking Service which will be available on June 4th at 8AM. All Bill Payments will carry over to the new system. Bill Pay history will convert as well as existing payees and future scheduled bill payments. Bill Pay access will not be available from 6PM June 1st through 8AM June 4th. External account transfer information will not carry over. We recommend that you print a copy of your current external account information for your records before June 1st. You will need to consent to Old Line Bank s External Transfer Agreement and complete the account verification process before you can use this service. Once you log on to Online Banking for the first time, select the Transfers tab and then select Manage Transfer Accounts. On the right side of the screen, select the hyperlink that reads Add an External Transfer Account. Internal account transfer information will carry over. Please note that any scheduled transfers on June 2nd and 3rd will occur on June 4th. Online Banking Alerts and Reminders will not convert to the new system. You will need to re-establish alerts and reminders after logging into Online Banking for the first time. Ninety days of your Bay Bank account history will be available in the new Online Banking service. To receive e-statements, please re-enroll and agree to the terms & conditions. Up to 24 months will be available through Online Banking. personal mobile banking The Bay Mobile Banking App will be discontinued on June 1st at 2PM. Your new Old Line Bank Mobile App will be available in the App and Google Play stores on Monday, June 4th. 8

13 How to: First time Login for Personal Online Banking Your user ID will remain the same. However, you will be required to enter a security code and a temporary password when you log on the first time. You will then be prompted to choose a new password: Go to OldLineBank.com At the top right corner of the browser window, you will select the Online Banking Login button and proceed to the section labeled Online Customers. Enter your User ID (use existing ID). You will receive a One-Time Security Code via text message or automated phone call. Please make sure that your phone numbers are up to date with the Bank prior to June 1st. Your temporary password is a combination of your 5 digit zip code and the last 4 digits of your social security number. For example, if your zip code is and your social security number is , then your temporary password will be You may then create a new password with at least one alpha (a-z), one numeric (0-9) and one special character #, $, %, ^, &, *). The password must be at least 6 characters long. Keep in mind your user ID and password are case sensitive. Never share your password. How to: First time Login for Personal Old Line Bank Mobile App Mobile Banking will be unavailable after 2PM on June 1st through June 4th at 8AM Prior to downloading the OldLineMobile App, you will need to complete the initial Online Banking login process noted above. After June 4th at 8AM, you may download the OldLineMobile App (available for both iphone and Android users). Mobile Deposit customers will re-enroll and accept the terms and conditions. After selecting the plus sign (+) on the home screen, choose Deposit and simply follow the prompts. When using the Mobile Deposit services after June 4th at 8am, you will notice the following changes in deposit limits: a. $2,000 per item b. $5,000 per day c. $10,000 per 21 consecutive business days d. No more than 5 daily or 10 checks per 21 consecutive business days 9

14 Business Online & Mobile Banking, & Bill Pay page 10: business account customers Business Online & Mobile Banking, & Bill Pay Beginning June 1, 2018 at 6PM through June 4, 2018 at 8AM, you will not have access to Online Banking and Bill Pay while our systems merge. Business customers will note no change to their online banking functions. Please review the following section carefully to ensure a smooth transition On June 4th at 8AM you will be able to use your current login credentials through the Old Line Bank website at At the top right corner of the browser window, you will select the Online Banking Login button and proceed to the section labeled Business Electronic Banking (Former Bay Bank Business Customers). All Bill Payments will carry over. Bill Pay history will convert as well as existing payees and future scheduled payments. Please note that any scheduled payments on June 2nd and 3rd will occur on June 4th. All transfers, including internal and external, will carry over. Please note that any external transfers or ACH transactions scheduled for June 1st, 2nd and/or 3rd will be processed Monday, June 4th with an effective day of Tuesday, June 5th. How to: First time Login for Business Old Line Bank Mobile App Mobile Banking will be unavailable after 2PM on June 1st. After June 4th at 8AM, you will need to download the Old Line Bank Mobile App named OldLineBeB (available for both iphone and Android users). Mobile Deposit customers will re-enroll and accept the terms and conditions. Simply follow the prompts on the app to complete deposits. All features and services will remain the same. 10

15 EXPERIENCE IS OUR BEST ASSET Customer Account Access effective june 1, 2018 Pages 12-14: Account Access, Statement & Loan Highlights 11

16 debit cards: consumer & business Your Debit Card will work during the conversion process. You may continue to use your Visa Debit Card and PIN after the systems conversion through its expiration date. If for any reason you need to order a new Debit Card after the systems conversion, you will be issued an Old Line Bank Discover Debit Card. Debit Card limits for ATMs, credit and debit transactions will remain the same as they are today. atm You will continue to have access to the MoneyPass network. After April 14, 2018 you will also have access to the AllPoint network. Visit OldLineBank.com for details. Old Line Bank ATMs do not take deposits (Electronic Funds Transfer Change in Terms). Effective May 20, 2018, ATMs located at Arbutus, Bel Air, Canton-Highlandtown, Cockeysville, Columbia, Glen Burnie, Joppa Road, Lutherville, North Charles, Perry Hall and Pikesville will no longer be able to accept a deposit. Please continue to make deposits after hours through the night drop (where available), and via Mobile Banking. text banking Once you have successfully logged on to your new Online Banking, select the Administration tab and Mobile Banking Option. Click on the Add Text Banking button on the top right and follow the prompts. telephone banking On June 4th, 2018 at 8AM, the Telephone Banking system will convert to Old Line Bank s system. The new phone number is Your PIN for the service will reset to the last 4 digits of the primary account owner s social security number. For Business customers, your PIN for the service will reset to the last 4 digits of your company s TIN or EIN. Please note that some prompts will have changed. 12

17 account statements The final Bay Bank statement will be dated June 1st, The final statement from Bay Bank s system will be cut at this time, and might include activity from as little as one day. Your Old Line Bank statements cycle will be the same as your Bay statement cycle. You will receive images of both checks and deposit tickets in your statement. The layout of the statement will change to the Old Line Bank format, pictured below. e-statements To continue to get e-statements, please log on to Online Banking and select the Accounts tab, and the Account Statements option. Go to Statement Preference and accept the terms and conditions. If you are enrolled in e-statements with Bay Bank, up to 24 months will be available through Old Line Bank s Online Banking Pointer Ridge Place, Bowie, MD RETURN SERVICE REQUESTED YOUR NEIGHBORHOOD BANK HAS GROWN! OLD LINE BANK CUSTOMER 1525 POINTER RIDGE PLACE BOWIE, MD CHECKING - PLUS CHECKING COMBINED STATEMENT STATEMENT DATE: 08/09/17 COMBINED-009 ACCOUNT #: ACCOUNT DETAILS PREVIOUS STATEMENT BALANCE AS OF 07/09/17... $7, PLUS 3 DEPOSITS AND OTHER CREDITS... $5, LESS 17 CHECKS AND OTHER DEBITS... $7, CURRENT STATEMENT BALANCE AS OF 08/09/17... $5, NUMBER OF DAYS IN THIS STATEMENT PERIOD CHECK TRANSACTIONS SERIAL DATE AMOUNT SERIAL DATE AMOUNT /20 $2, /24 $ /18 $ /07 $ /12 $ * 08/08 $ /21 $ CHECKING ACCOUNT TRANSACTIONS DATE ACTIVITY DESCRIPTION 07/10 AC-Lowes CC-LWS EPAY NAME - CUSTOMER DEBITS $ CREDITS 07/12 AC-SSA TREAS 123-XXSOC SEC NAME - CUSTOMER $ /17 AC-Old Line Bank -ACH CREDIT $4,000.00

18 loans Business Loans, Mortgage, Home Equity Lines of Credit, Home Equity Loans, Share Loans, & Overdraft Lines of Credit. New Loan Number As of June 1, 2018 you will be assigned a new loan number. The new loan number will be reflected on the loan billing notices and statements that you will receive after June 1, All loans terms and conditions will remain the same as stated in your original loan documents. All automatic payments will not change. Any customers that are currently using coupon books will begin receiving a monthly statement. You may continue to use your HELOC Checks. There is a possibility that your due date may change. You may continue to make loan payments at any branch. As of June 2, 2018, we ask that you direct your payments to: Old Line Bank Loans P.O. Box Newark, NJ

19 EXPERIENCE IS OUR BEST ASSET Questions? before june 1st: Call your local branch. All branches will remain open with normal business hours during the conversion process. See pages for Old Line Bank Locations & Hours. after june 4th: Call Client Care & Loan Department: Corporate:

20 Old Line Bank Locations & Hours 16 Corporate Headquarters BOWIE Pointer Ridge Place Bowie, MD Client Care Department Branches AIRPARK I Airpark Road Gaithersburg, MD Walk Up ATM, Coin Counter Mon. - Thurs. 9 am - 5 pm ANNAPOLIS Riva Road, Suite 100 Annapolis, MD Drive Up ATM Mon. - 8 am - 6 pm ARBUTUS Wilkens Avenue Arbutus, MD ATM Mon. - Thurs. 9 am - 4 pm BEL AIR Hoagie Drive Bel Air, MD ATM Same as Branch BOWIE Pointer Ridge Place Bowie, MD Drive Up ATM, Safe Deposit Boxes Mon. - 8 am - 6 pm BRYANS ROAD Indian Head Highway Bryans Road, MD Drive Up ATM, Safe Deposit Boxes Mon. - Thurs. 8:30 am - 4 pm 8:30 am - 6 pm 8:30 am - 12 pm Mon. - 8 am - 6 pm CALIFORNIA Three Notch Road California, MD Drive Up ATM, Safe Deposit Boxes Mon. - Thurs. 8:30 am - 4 pm 8:30 am - 6 pm 8:30 am - 12 pm Mon. - 8 am - 6 pm CANTON/HIGHLANDTOWN South Conkling Street Baltimore, MD ATM, Safe Deposit Boxes Same as Branch CLARKSBURG Frederick Road Clarksburg, MD Walk Up ATM, Drive Thru, Safe Deposit Boxes Mon. - Thurs. 9 am - 5 pm Same as Branch CLINTON Old Branch Avenue Clinton, MD Drive Thru ATM Mon. - 8 am - 6 pm COCKEYSVILLE York Road Cockeysville, MD ATM Mon. - 9 am - 4 pm COLLEGE PARK Baltimore Avenue, Suite 101 College Park, MD Walk Up ATM Mon. - 9 am - 5 pm COLUMBIA Columbia Gateway Drive Suite A, Columbia, MD ATM - Located in the branch lobby, the ATM is available same hours as branch. Mon. - 9 am - 4 pm CROFTON MD Route 3 N, Suite 109 Crofton, MD Walk Up ATM Mon. - 8 am - 6 pm DAMASCUS Ridge Road Damascus, MD Drive Up ATM, Safe Deposit Boxes, Coin Counter Mon. - Thurs. 9 am - 5 pm Same as Branch

21 FAIRWOOD Annapolis Road, Suite 1 Glenn Dale, MD Drive Thru ATM Mon. - 8 am - 6 pm FORT WASHINGTON Old Fort Road Ft. Washington, MD Drive Up ATM, Safe Deposit Boxes Mon. - Thurs. 8:30 am - 4 pm 8:30 am - 6 pm 8:30 am - 12 pm Mon. - 8 am - 6 pm FREDERICK Buckeystown Pike, Suite 112 Frederick, MD Walk Up ATM Mon. - Thurs. 9 am - 5 pm GLEN BURNIE Crain Highway, NE Glen Burnie, MD ATM, Safe Deposit Boxes Same as Branch GREENBELT Ivy Lane Greenbelt, MD Drive Up ATM, Safe Deposit Boxes 9 am - 5 pm Mon. - 8 am - 6 pm GREEN VALLEY Fingerboard Road Monrovia, MD Walk Up ATM, Drive Thru, Safe Deposit Boxes Mon. - Thurs. 9 am - 5 pm Same as Branch HUNT VALLEY* York Road Hunt Valley, MD Drive Up ATM Mon. - 8 am - 6 pm *Branch will consolidate after July 2018 JOPPA ROAD East Joppa Road Baltimore, MD ATM, Safe Deposit Boxes Same as Branch LA PLATA Charles Street, Suite 102 La Plata, MD Walk Up ATM, Safe Deposit Boxes, Coin Counter Mon. - Thurs. 8:30 am - 4 pm 8:30 am - 6 pm 8:30 am - 12 pm Mon. - 8 am - 6 pm LEONARDTOWN Newtowne Neck Road Leonardtown, MD Drive Up ATM Mon. - Thurs. 9 am - 4 pm Mon. - 8 am - 6 pm LUTHERVILLE West Joppa Road Lutherville, MD Safe Deposit Boxes Mon. - 9 am - 4 pm MILLERSVILLE Old Mill Road Millersville, MD Drive Up ATM, Coin Counter Mon. - 8 am - 6 pm MOUNT AIRY East Ridgeville Boulevard Mount Airy, MD Drive Up ATM, Drive Thru, Safe Deposit Boxes Mon. - Thurs. 9 am - 5 pm Same as Branch NORTH CHARLES STREET N. Charles Street Baltimore, MD ATM Mon. - 9 am - 4 pm OWINGS MILLS* Crossroads Drive, Suite 10 Owings Mills, MD Drive Up ATM Mon. - 8 am - 6 pm *Branch will consolidate after July

22 PERRY HALL Schroeder Avenue Perry Hall, MD ATM Same as Branch PIKESVILLE Hilton Plaza 1726 Reisterstown Road, Suite 101 Baltimore, MD ATM Mon. - Wed. & 9 am - 4 pm Thurs. Same as Branch PRINCE FREDERICK Prince Frederick Boulevard Prince Frederick, MD Drive Up ATM, Safe Deposit Boxes Mon. - Thurs. 8:30 am - 4 pm 8:30 am - 6 pm 8:30 am - 12 pm Mon. - 8 am - 6 pm RIVERDALE Baltimore Avenue, Suite 3C Riverdale Park, MD Walk Up ATM Mon. - 8 am - 6 pm ROCKVILLE PIKE Rockville Pike, Suite 100 Rockville, MD Walk Up ATM Mon. - Thurs. 8:30 am - 4 pm 8:30 am - 5 pm ROCKVILLE TOWN CENTER A East Montgomery Avenue Rockville, MD Walk Up ATM Mon. - Thurs. 8:30 am - 4 pm 8:30 am - 5 pm WALDORF - CRAIN HWY Crain Highway, Suite 100 Waldorf, MD Drive Up ATM, Safe Deposit Boxes Mon. - 8 am - 6 pm WALDORF - ROUTE Leonardtown Road Waldorf, MD Walk Up ATM, Safe Deposit Boxes, Coin Counter Mon. - Thurs. 8:30 am - 4 pm 8:30 am - 6 pm 8:30 am - 12 pm Mon. - 8 am - 6 pm WESTMINSTER Baltimore Boulevard Westminster, MD Drive Up ATM, Safe Deposit Boxes Mon. - 8 am - 6 pm Lending Offices ANNAPOLIS , Suite MORTGAGE LENDING , Suite COMMERCIAL LENDING 2530 Riva Road Annapolis, MD BOWIE , MORTGAGE LENDING 4201 Mitchellville Road, Suite 200 Bowie, MD , COMMERCIAL LENDING 1525 Pointer Ridge Place Bowie, MD CALIFORNIA COMMERCIAL LENDING Three Notch Road (attached to branch) California, MD COLUMBIA COMMERCIAL LENDING 7151 Columbia Gateway Drive, Suite A Columbia, MD DAMASCUS COMMERCIAL LENDING Ridge Road Damascus, MD LUTHERVILLE COMMERCIAL LENDING 2328 West Joppa Road Lutherville, MD ROCKVILLE , MORTGAGE LENDING 1682 East Gude Drive, Suite 202 Rockville, MD , COMMERCIAL LENDING 1801 Rockville Pike, Suite 100 Rockville, MD SILVER SPRING COMMERCIAL LENDING Prosperity Drive, Suite 215 Silver Spring, MD TOWSON MORTGAGE & COMMERCIAL LENDING 849 Fairmount Avenue, Suite 205 Towson, MD WALDORF MORTGAGE & COMMERCIAL LENDING 2995 Crain Highway, 2nd Floor Waldorf, MD

23 PENNSYLVANIA loudoun frederick montgomery prince william stafford king george carroll Damascus Rockville Town Center howard WASHINGTON, DC arlington prince alexandria george fairfax baltimore BALTIMORE anne arundel Columbia Waldorf-Crain Hwy charles st. mary calvert harford Annapolis Bowie Main Office Chesapeake Bay talbot cecil kent queen anne s dorchester VIRGINIA westmoreland old line bank maryland locations H branches (37) J lending offices (10)

24 Client Care & Loan Department Corporate OldLineBank.com