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Howard Bank PRIVACY Policy

At Howard Bank, our goal is to provide the highest quality banking experiences, products and service possible. Your privacy and the confidentiality of information you provide to us are very important as we recognize the sensitive nature of your personal financial information. In delivering our products and service we respect your privacy and are committed to treating your financial information responsibly, whether you are a current or former customer.

Information We Collect About You
We collect, retain and use information about you in order to provide basic banking functions. We collect information about you from the following sources:
• Information we receive from you during discussion, on applications, in writing or other forms;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from a consumer reporting agency.

We use information to administer your records, accounts and funds; to comply with certain laws and regulations; to help design or improve our products and services; and to understand your financial needs so that we can provide you with quality products and superior service.

Information We Disclose About You
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. Howard Bank does not now, nor has plans to share your personal information about you with any third parties other than those as described below who assist us in providing our products and services to you. Should our policy change we will give you the opportunity to prevent any disclosure or to "opt-out".

Information Disclosed to Service Providers or Joint Marketers
We may disclose all of the information we collect, as described above, only to companies that perform marketing services on your behalf or to other financial institutions with whom we have joint product, service or advice provision agreements. All of our operational and data processing systems are maintained in a secure environment with our third party processor. Our agreement with them, as it is with all third party vendors, is that they abide by privacy principles similar to those adopted by Howard Bank and keep customer information strictly confidential.

Protecting Your Information Online
Our Web site does not collect any personal information from our customers or visitors to our site, however at your discretion; you may provide us certain information to evaluate certain bank products and services. Since email is typically not secure, we recommend that you do not include any nonpublic information in email to us. We will only send email to you if you have given us your permission to do so and it will not contain nonpublic information about you. If you bank online with us, we use the information you supply only to enable us and our third party vendor to provide the transactions you request.

Children's Information
We respect the privacy of your children, and comply with the practices established under the Children's Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen.

Confidentiality and Security of Your Personal Information
Our Privacy Policy and Procedures serve as the standard for all Howard Bank employees for collection, use, retention and security of customer information. Every Howard Bank employee is required to follow our "Employee Handbook" guidelines, which state that all customer information is considered private and confidential and is to be used solely for the purpose of providing you with the finest service possible. We restrict access to nonpublic personal information about you to those employees with a business reason to know such information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. Employees are trained on the importance of maintaining the confidentiality of customer information.

Maintaining Accurate Information
We strive to maintain accurate information about you. If you ever think that our records contain inaccurate information about you, please let us know. We'll correct any mistakes promptly.
If you think we have reported inaccurate information about your account(s) to a consumer reporting agency, please let us know by writing us at the address below. Please give us your name, address, telephone number, and the information you think is wrong.

Customers who have questions about these privacy principles, or have a question about the privacy of their customer information, should write us at Howard Bank, 6011 University Blvd. Suite 370 Ellicott City, MD 21043. Please feel free to call (410) 750-0020 or e-mail



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