Welcome to Howard Bank!

Welcome to Howard Bank!

Business Account Transition to occur from 5:00 p.m. Friday, May 4, 2018 to Monday, May 7, 2018 at 9:00 a.m.

This guide will tell you everything you need to know about your Business Account transition to Howard Bank, including key dates.

Table of Contents

3 Welcome to Howard Bank! 4 Key Dates and Facts 5 Key Resources 6 General Banking Information 10 Your Deposit Accounts 12 Business Online Banking (1st Online) 14 What's New 16 Branch Locations

Welcome to Howard Bank!

On March 1, 2018, 1st Mariner Bank became part of Howard Bank. We are thrilled to welcome you, your business, and your team to the Howard Bank team. Over the weekend beginning May 4th, your accounts will transition to the Howard Bank platform and our goal is to keep you informed along the way.

This welcome guide provides you with the information that you need to know about the transition of your business accounts and banking services. We've highlighted the important information and have included details about new and exciting product offerings that will empower you to better manage your business finances. Our team is here to support and guide you over the coming weeks to ensure a smooth transition to Howard Bank.

I want to assure you that while the name has changed to Howard Bank, you can expect to see a lot of familiar faces and enjoy the same high-level service you're accustomed to receiving. Together with your partnership, we are uniquely focused on and committed to building Baltimore's Best Business Bank.

Every business has a unique set of dreams and aspirations and our goal is to help you achieve them.

Mary Ann Scully Chairman, Chief Executive Officer

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Key Dates and Facts

Your new Howard Bank Visa? debit/ ATM card will arrive in the mail approximately (2) two weeks prior to your account transition.

The transition to the Howard Bank system will start at 5:00 p.m. on Friday, May 4, 2018 and will be completed on Monday, May 7, 2018 at approximately 9:00 a.m.

FRIDAY, MAY 4th The following systems will be unavailable beginning at 5:00 p.m. ACH/Wire Access Bill Pay Remote Deposit Capture

The following systems will be in view only mode beginning at 5:00 p.m. This means you will only be able to view your account balances and transaction history as of 5:00 p.m. on the 4th. Online Banking Telephone Banking.

All former 1st Mariner Bank branches will close at 5:00 p.m. Former 1st Mariner Bank locations are: Bel Air, Canton, Carroll Island, Glen Burnie, Hickory, Owings Mills, Pikesville, Severna Park, Timonium, White Marsh All Howard Bank ATMs will be available during this transition.

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SATURDAY, MAY 5th Due to the transition, all former 1st Mariner Bank branches will be closed on Saturday, May 5, 2018.

Please note that you will NOT be able to perform transactions at any Howard Bank branch during this time.

MONDAY, MAY 7th The following systems will be up and running by approximately 9:00 a.m.

Online Banking Bill Pay ACH/Wire Access Remote Deposit Capture Telephone Banking

Once activated, you may begin using your new Howard Bank debit/ATM card at 9:00 a.m. Your 1st Mariner Bank card will be deactivated at this time and should be destroyed promptly.

Normal branch business hours will resume on Monday, May 7th.

Key Resources

The information in this guide will inform you about what we are doing on our end to ensure that the system transition is smooth and what you will need to do on your end. Our team is committed to making this a seamless process and welcomes the opportunity to answer any individual questions that you might have.

For up to date information and frequently asked questions about this transition visit Welcome.

If you cannot find the answer in this guide or online, please feel free to call our team of expert bankers at 410-558-4200.

If you prefer email, reach out to us at Welcome@. Please do not include any sensitive personal or financial information in your email to Howard Bank.

As a reminder, Howard Bank will NEVER contact you requesting your account information. If you receive a call or email requesting this information get in touch with us immediately.

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