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April 19, 2021

To Our Shareholders:

On behalf of our Board of Directors, I cordially invite you to attend the 2021 Annual Meeting of Shareholders of Harbor Bankshares Corporation (the “Corporation”). The Annual Meeting of Shareholders will be held in a virtual-only format via Zoom on Wednesday, May 19, 2021, at 9:00 A.M. Eastern Daylight Time.

At the Annual Meeting, you will be asked to reelect Delores G. Kelley, Erich W. March and Stanley W. Tucker as Class II Directors for three-year terms and to ratify the appointment of Yount, Hyde & Barbour, P.C. as the independent public accounting firm for the Corporation for the year ending December 31, 2021. The Board of Directors recommends that shareholders vote FOR reelection of the three Class II Directors and FOR the ratification of Yount, Hyde & Barbour, P.C. as the Corporation’s independent public accounting firm.

The links below gives you detailed information about the Annual Meeting and related matters.

It is important that your views be represented whether or not you virtually attend the Annual Meeting. Your vote is important, whether you own a few shares or many. We urge you to vote your shares either virtually, at the Annual Meeting or by returning your proxy as soon as possible.

Sincerely,
/s/Joseph Haskins, Jr.
Chairman and CEO

To access Proxy materials for Annual Meeting of Shareholders scheduled for May 19, 2021, please click the links below.

Harbor Bankshares Corporation Annual Report for the year ended December 31, 2020 Click here 

Harbor Bankshares Corporation Notice of Annual Meeting of Shareholders and Proxy Statement Click here 

The Harbor Bank of Maryland

25 W. Fayette Street
Baltimore, Maryland 21201
(410) 528-1800

NMLS# 417182
Routing# 052001772

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