Privacy Policy

Bradford Bank values your business and the trust you place in our employees, management and Board of Directors. Our goal is to serve you as effectively and conveniently as possible and to make sure you feel confident that information about your banking relationships with us is treated with the utmost care. In order to offer you the financial products and services you seek to obtain, we collect, maintain, and use information about you on a routine basis. This information is protected under Privacy Law enacted through The Gramm-Leach-Bliley Act of 1999. All financial institutions must comply with the law by July 1, 2001.

What Information We Collect
Bradford Bank currently collects nonpublic personal information about you on applications or other forms during the application process, gathered from your transactions and experiences with us, and obtained from other authorized sources, such as consumer reporting agencies. All information collected and retained by Bradford Bank is used for specific business purposes, such as administering your account, complying with state and federal banking regulations, providing protection against fraud, and developing a better understanding of your financial needs which Bradford Bank uses to develop improved products and services. This information is used only when we reasonably believe it is useful to the bank's operations and fully allowed by law in conducting normal business transactions with you. We maintain accurate, current and complete information about your banking relationships with us and as a normal course of business operations, correct inaccuracies in a timely manner.

What Information We Disclose
Bradford Bank will share all information public and nonpublic with our affiliate subsidiaries related to us by common ownership. We will not disclose any nonpublic personal information about our customers or former customers to anyone except as permitted by law. We are permitted under law to disclose such information about you to other nonaffiliated third parties which assist Bradford Bank in completing transactions you have requested, as an example, we may disclose nonpublic information to assist us in qualifying you for a loan, to process a loan, or service a loan you have with the bank. We may also disclose nonpublic personal information to government entities in response to subpoenas and to third party consumer reporting agencies. In addition we may disclose all the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. We insist that third parties to whom we disclose information share our commitment to trust, privacy and confidentiality.

Security Procedures
Bradford Bank believes the protection of your nonpublic personal information is of the utmost importance and a fact all employees of the bank are versed on. Guarding your privacy is part of strict procedures and policies specifically designed to safeguard your privacy. We restrict employee access to nonpublic customer information to only those employees who have a business reason to know such information, and we educate our employees about the importance of confidentiality and customer privacy. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information. We review and update our safeguard procedures so as to maintain an up-to-date level of security.

Coverage
Bradford Bank issues this policy with the understanding that it will cover current customers and former customers. If at any time you have a question or concern about the handling of personally identifiable information, or your banking relationships with us, please do not hesitate to call us at (410) 377-9600 or write us at Bradford Bank, 6900 York Road, Baltimore, Maryland 21212-1599.

Internet Privacy Policy
Our top priority is to provide you, our customer, with outstanding products and services. To achieve this goal, we must collect, maintain, and use certain information. Bradford Bank recognizes and respects your privacy concerns and expectations about this information. We want you to know about our privacy policies and practices for our Web site.

Our Web Site
When you request pages at our Web site, our Web servers automatically recognize your browser's domain name and IP address. We collect this information in order to aggregate information on what pages visitors' access. This information is collected solely for statistical purposes and to determine visitor access to restricted areas on our site. It is not used to identify individuals nor is it shared with third parties.

Personal Information Which You Choose To Submit
As a visitor to our Web site, you may choose to send us any of the following: your name, E-mail address, and other relevant contact information to fulfill your request for more information about our products or company; As a note, we never send personally identifiable information (this includes USER ID's and passwords) through email and would never request you send such information through email.
Whenever you submit personal information to us for a specific purpose, your information will be used for that purpose only. In some cases, you can choose how much information to supply. (For example, when submitting an on-line request for opening an account, you may choose to include only an E-mail address-not a telephone number or mailing address-for replies.) There may be instances where we require complete information for a particular activity, but it is your choice whether or not to complete the form.

No Spam
Bradford Bank will not send an unsolicited E-mail to you. We will use E-mail to respond to E-mail messages from you or to engage in other communication which you have expressly permitted / requested.

Links To Other Web Sites
There are links to other Web sites from bradfordbank.net. However, we are not responsible for the content or privacy policies of those other sites.

Children
The Bradford Bank web site is not directed to children under age 13, and Bradford Bank does not knowingly collect personal information from children under age 13.

Conclusion
Bradford Bank recognizes the importance of protecting your privacy, and we take our responsibility seriously. Compliance with privacy requirements is critically important for your success and ours.