QUEENSTOWN BANK OF MARYLAND

Queenstown Bank of Maryland

P.O. Box 120

7101 Main Street

Queenstown, MD 21658

Phone: (410) 827-8881

Our Privacy Commitment to You

At the Queenstown Bank of Maryland, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with the Queenstown Bank and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. As financial service professionals entrusted with sensitive financial information, we respect the privacy of our customers, and are committed to treating customer information responsibly.

Confidentiality and Security of Nonpublic Personal Information

The Queenstown Bank of Maryland recognizes that you have a right to expect your nonpublic personal information to remain private and secure. We will maintain standards to ensure that your information is private and secure at all times.

Nonpublic Personal Information We Collect

Nonpublic personal information about consumers is accumulated from a variety of sources.

Some information is provided to the Queenstown Bank directly by customers themselves through applications or other loan and account forms.

Other data is developed by Queenstown Bank as a function of providing a product or service to a customer.

Still other information is obtained from outside sources such as credit bureaus.

We will limit the use and collection of information about our customers to that which is necessary to administer our business, provide superior service, and offer opportunities that we think will be of interest to customers. This means that we will use information to help us identify and mitigate potential risks or loss to Queenstown Bank. We will use the information to help identify additional products or services that we believe customers might want to know about. We will use this information only in accordance with bank policy and as permitted by law. "Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history. We continually strive to maintain complete and accurate information about you and your accounts. If you decide to close your account (s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

Nonpublic Personal Information We Disclose

Each Queenstown Bank of Maryland employee is required to follow our Company's "Personnel Policy" which states that all customer information is considered private and privileged and is to be used solely for the purpose of providing the customer with the finest service available. Bank employees are responsible for maintaining the confidentiality of customer information and employees who violate the policy will be subject to disciplinary measures. We safeguard information according to established security standards and procedures, and we continually assess new technology for protecting information. Our employees are trained to understand and comply with these information standards. We do not reveal specific information about your accounts or other personally identifiable data to parties outside our bank unless: 1) you request or authorize it; 2) the information is provided to help complete a transaction initiated by you; 3) the information is provided to a reputable credit bureau or similar information reporting agency; or 4) the disclosure otherwise is lawfully permitted or required (e.g., subpoena, investigation of fraudulent activity, request by regulator, etc.). The Queenstown Bank may share information with unaffiliated third parties when they provide a product or service that may benefit our customers. Whenever we do this, we share the minimum amount of information necessary for that company to offer its product or service. When the Bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

The Queenstown Bank of Maryland recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed this Privacy Policy that is made readily available to our customers. Customers who have a question about the privacy of their customer information should call the Queenstown Bank at 410-827-8881 or e-mail us at INFO_QTB@Queenstown-Bank.Com

Notify Us of Inaccurate Information We Report To Consumer Reporting Agencies. Please notify us if we report any inaccurate information about your account (s) to a consumer reporting agency. Your written notice describing the specific inaccuracy (ies) should be sent to us at the following address:

QUEENSTOWN BANK OF MARYLAND

P.O. BOX 120

QUEENSTOWN, MD 21658