Talbot Bank of Easton, Maryland

The Talbot Bank of Easton, Maryland PRIVACY DISCLOSURE
Notice Of Your Financial Privacy Rights: We, our and us mean The Talbot Bank. This is our privacy notice for our customers. When we use the words: “you” and “your”, we mean the following types of customers: • All of our consumer customer's who have a continuing relationship with us, such as through a: Deposit Account Loan Account Credit Card Safe Deposit Box Self-directed Individual Retirement Account (IRA), where we act as Custodian or Trustee Financial, investment or economic advisory services We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information. We will also tell you what information we share with other entities. We will explain what your rights are, and how you can exercise them. If you share your account relationship with someone else, for example where you are a co-borrower or joint holder of a checking account, we suggest that you share this information with each other to ensure that each of you are aware of our policy and your options. We first define some terms: Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control. A nonaffiliated third party is a company that is not an affiliate of ours. Opt Out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

THE INFORMATION THAT WE COLLECT: We collect nonpublic personal information about you from the following sources: Information we receive from you on applications or other forms Information about your transactions with us Information about your transactions with our affiliates Information about your transactions with nonaffiliated third parties Information from a consumer reporting agency THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information. NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law. We may disclose all of the nonpublic personal information we collect, as described above, to companies that perform services and functions, including marketing services on our behalf and we may disclose some of this information to other financial institutions with whom we have joint marketing agreements. NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS We do not disclose nonpublic personal information about former customers, except as permitted by law.


NONPUBLIC PERSONAL INFORMATION AND AFFILIATES FUTURE CHANGES From time to time, we may disclose nonpublic personal information about you to affiliates. Here are the kinds of nonpublic personal information we may disclose to our affiliates: Transaction and experience information from our account records Information about your transactions and experience with us, such as: Name Address Account balances Account activity Types of accounts Credit card usage Payment history Deposit history Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information. Other information not taken from transactions and experience: Nonpublic personal information we receive from you on an application or other forms, such as: Name Address Social security number Assets Income Nonpublic personal information we receive from a credit reporting agency, such as: Credit worthiness Credit history You may opt out of the disclosure of the information listed above.

TYPES OF AFFILIATES We may disclose nonpublic personal information about you in the future to the following types of affiliates: Financial service providers, such as Financial institutions Data processing companies

YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR NONPUBLIC PERSONAL INFORMATION Affiliates: We are permitted to disclose nonpublic personal information about our transactions or experiences with you to affiliates in the future. We may also disclose other nonpublic personal information to our affiliates (that is, nonpublic personal information beyond our transactions and experiences with you), unless you tell us not to disclose this other nonpublic personal information. Your decision to block the disclosure of your nonpublic personal information to our affiliates will apply to all products and services you receive from us. If you have a joint account, an opt out instruction given by one participant of this account will affect all participants of the account. If you wish to opt out of disclosures, you may do so by contacting us at: The Talbot Bank PO Box 949 Easton, MD 21601 or call us at 410-822-1400 Website Privacy Guidelines We will not capture a consumer's name, address, including e-mail address, or nonpublic personal information about a consumer when the consumer visits the Talbot Bank website at http://www.talbot-bank.com. We may capture data on an anonymous, aggregate basis, such as: a user's Internet service provider (such as aol.com if connecting from an America Online account), a user's browser, what website referred a user to the bank's website and the date and time in which the website was visited. We may track our website activity to help improve the content of our website. The only nonpublic personal information that may be collected is information a consumer provides through a customer initiated online activity (for instance, e-mail sent by the consumer, or through use of Internet Banking). If you have any questions concerning our Privacy Disclosure policy, please contact us at: (410) 822-1400.