Harford Bank (the Bank) provides a full range of banking services. The Bank operates seven banking offices in Harford County, Maryland, and two banking offices in Cecil County, Maryland, with the Bank’s main office located in Aberdeen, Maryland. The Bank is engaged in a general commercial and retail banking business serving individuals, businesses, and governmental units in Harford County, Maryland and neighboring counties. The Bank offers deposit services to consumers and commercial entities customary for a state-chartered community bank, including checking accounts, savings accounts, money market accounts, and time deposits consisting of certificates of deposit of various types. In addition, the Bank offers certain retirement account services, such as individual retirement accounts. Its other banking services include, but are not limited to, mobile banking, drive-through banking services, automated teller machine (ATM) services, and on-line banking with bill payment.