COMMUNITY BANK

NEWSLETTER
Exceeding Expectations
It's more than a slogan, it's a full sail forward

TRADITIONAL? NOT MY BANK

IN THIS ISSUE
As I approach a large brick
TRADITIONAL? NOT building, everyone
MY BANK---PG.1-2 immediately welcomes me as I
walk through the door. A
woman smiles and walks
CHESAPEAKE
CLEANUP--PG.2 around from behind the
counter. She offers me a hot
cup of coffee and a warm
cookie and proceeds with,
PARTICIPATION IN
FINANCIAL SCHOLARS CBTC'S DOWNTOWN FREDERICKSBURG ?W hat can I help you with
BRANCH today??
PROGRAM--- PG.3

I t may come as a surprise that this is a typical banking experience at

Community Bank of the of the Chesapeake (CBT C) since many banks can
SUCCESS IN CBTC'S
seem impersonal and aloof.
FINANCIAL SCHOLARS
PROGRAM-- PG.4

Banks are often thought of as stale and stuffy as they seem to have a quiet and
CASUAL FOR A sterile environment. T hey can be a bit intimidating when you walk in and
CAUSE--PG.4 aren?t sure what you?re doing especially if you are unfamiliar with the process.
T he tall counters give an obvious divide between you and the tellers, which
makes them seem less approachable especially if they don?t give you a warm
welcome.
CONTACT CBTC--PG.5

CBT C has worked hard to stray away from this bank stereotype. T hey try to
ensure friendly, quality service to each customer. All customers are treated
ISSUE 1
like family as CBT C strives to create a community atmosphere by creating
VOLUME 1 warm, meaningful relationships with each customer. T his personal touch is
APRIL 2017 important to CBT C because they don?t want their customers to feel like just
another number.
 TRADITONAL? NOT MY BANK...CONT'D
Customers seem to appreciate the
personal experience they receive at
CBT C. One customer describes CBT C
by stating ?T he staff was very
friendly and welcoming. I walked into
this branch to open a new account
and was treated in a very kind and
respectful manner. T he manager
there was professional and
personable...we talked about our
families and background during the
process. Everyone greets you with a
smile and they care enough to know
your name and not make you feel like
a "number." Nothing but good things
to say about this bank.?
Customer satisfaction has always
been a large part of CBT C as they
hope everyone receives quality
service. T hey have added in small
acts that add to their customer
appreciation. Aside from having
lollipops like every other bank, CBT C
has a Keurig coffee machine in the
lobby so that customers can have
freshly brewed coffee. T hey set out a
variety of cookies for customers to
choose from and bake a fresh batch
every 30 minutes so that there is
never an empty plate. T here is even a
jar of dog biscuits for your dog to
A small sneak peek into CBT C?s open-concept lobby.
enjoy during a trip to the bank.
CBT C is constantly looking to perfect
the bank so that they can exceed
expectations and achieve their fullest
potential. But none of this would have
been possible if CBT C?s founder, L eo
Middleton hadn?t opened the bank 67
years ago in 1950. From the
beginning, the bank has been
community-focused. Starting as a
small bank with just a handful of
workers and looking to be the local
bank everyone loves, and exceeding
the expectations of what the founders
and customers ever imagined CBT C
could become.
Michael Middleton, son of L eo
Middleton, continued on the
community focused values of CBT C
after he succeeded his father, which
has been important to CBT C. Often,
businesses can dramatically change
over time with new management and
can lose sight of what?s
important? the customers; but CBT C
has drilled these community values so
that all employees truly believe in
them.
CBT C has given the bank its
personal touch by changing the
structure of the bank for the
customers?benefit. CBT C has
adopted an open-concept structure
to give customers a more inviting
environment. T hey have removed
the tall teller counters, check
writing stations and the traditional
banking process. I nstead, they have
an area where customers are invited
to sit down and receive personalized
help by one of the customer service
representatives, who are trained in
a variety of areas so they can assist
customers with whatever services
they may need.
Even as CBT C continues to grow its
banking services with new
locations, it continues to keep that
community feel so that all customers
receive a personalized experience
that fits their needs. Over the years
one branch has turned into 12
branches, but the heart and soul of
CBT C remain the same as they
strive to be a resource and support
for friends and neighbors of
Southern Maryland and the
Fredericksburg, Va. area.
CBTC CHESAPEAKE CLEANUP
CBT C employees took part in the
29th annual Potomac River
cleanup Saturday, April 8 at
Chapel Point State Park. T he park
offers fishing and provides suitable
habitat for white tailed deer, wild
turkey, quail and waterfowl. T his
cleanup is a small way CBT C tries
to help the local community and
the environment.
CBTC PARTICIPATES IN FINANCIAL SCHOLAR PROGRAM
Community Bank of the Chesapeake
(CBT C) is renewing a three-year
contract with EverFi, an online
education system. CBT C?s
partnership with EverFi will
continue their Financial Scholars
Program, which works to certify
students in financial literacy. T his
program is available to high school
students throughout the T ri-County
area, which includes Calvert
County, Charles County and St.
Mary?s County.
CBT C?s Financial Scholars
Program provides teachers with an
online finance tool to help educate
students on financial literacy. T his
program helps teach students basic
financial skills such as how to
balance a checkbook, fill out
FAFSA and read a paystub.
T hese financial literacy courses
encourage learning through
multimedia technologies including
animations, avatars and video
games to encourage a fun learning
approach in hopes that the students
will better retain the information
they are learning in the lessons.
CBT C?s Financial Scholars
Program tracks each student?s
learning progress. T his tracking
gives teachers the opportunity to
provide feedback to students and
helps address specific needs, giving
students a personalized learning
experience.
?T hrough CBT C?s Financial Scholars
Program we hope to instill in students
the financial education they need to
prepare for life after high school,? said
Jim Di Misa, Executive Vice President
and COO, Community Bank of the
Chesapeake. ?Partnering with EverFi
allows us to positively impact students?
financial decisions by giving them the
opportunity to learn using a unique
approach.?
CBT C is serving the community as its
Financial Scholars Program is impacting
13 schools for 2,290 students with over
6,679 learning hours. CBT C?s Financial
Scholars Program is continuing to grow
and they will be donating over $97,000
to schools over this three-year program.
FINANCIAL SCHOLAR PARTICIPANTS
MORE ABOUT EVERFI
EverFi, I nc. is the education technology
innovator that empowers K-12, higher
education, and adult learners with the
skills needed to be successful in life.
T he EverFi Education Network is
powered by more than 3,300 partner
organizations across all 50 states.
L earn more at everfi.com
?Financial Literacy is
important because it helps
to set the stage for students
to become financially
responsible adults. When
students learn to manage
their finances it will help to
make it easier for them to
achieve their dreams and
goals in life. I can't tell you
how many parents have
said, ?I wish I had this class
when I was my kid's age!??
said Sharonda Scott, North
Point High School Personal
Financial Literacy teacher.
?Community Bank of the
Chesapeake?s Financial
Scholars Program powered by
Everfi has a significant impact
on the students?financial
understanding. After taking the
program, students have
increased their scores on
financial assessment tests by
an average of 66%,? said Alice
Wagner, Vice President,
Mid-Atlantic Region, EverFi.
SUCCESS IN CBTC'S FINANCIAL SCHOLARS PROGRAM
Community Bank of the
Chesapeake (CBT C) announced in
February that they were renewing
their contract with the online
education system, EverFi to
continue their Financial L iteracy
Program. T wo months later,
CBT C is proud to announce the
success of students who have
completed the Financial Scholar
Program.
April 21, a ceremony was held for
students of North Point High
School to receive certificates for
their outstanding work in
completing the program. North
Point High School is just one of
the 15 schools across the
tri-county area participating in the
Financial Scholars Program.
T he event included a variety of
speakers from students, North
Point?s Principal, the Charles
County Superintendent,
Community Bank of the
Chesapeake representative, as well
as a representative from EverFi.
CBT C began this partnership with
EverFi as they want to help bring
financial education to students and
prepare them for a successful
financial future. Teresa Roach,
Branch Market Manager of CBT C
states, ?T hese students are our
future consumers, business owners
and leaders of our community.
T he more we can invest in them to
understand the
invest in them to understand the
importance of intelligent financial
decisions, the more we all benefit.?
CBT C?s partnership with EverFi
brings the program to local
students at no cost to the schools
or taxpayers. All costs are covered
by CBT C, in hopes to give all
students the opportunity for a
financial education.
?Our goal as educators is to
prepare our students for a
prosperous future, a job which
often extends beyond a typical
classroom,? said Dr. Hill,
Superintendent of Charles County
Public Schools. ?Partnerships
across school districts and private
sector institutions allow educators
to provide an important
educational supplement, such as
the Community Bank Financial
Scholar program and enable us to
give our children the best possible
chance to reach their full
potential.?
EverFi has been pleased to be able
to give CBT C their web-based
program and make financial
concepts come to life.
?By partnering with the teachers
whose passion is to enrich the
lives of their students, the
Community Bank Financial
Scholars program helps students
gain the critical skills necessary
to make them successful for the rest
of their lives,? said Tom Davidson,
EverFi Founder and CEO. ?We are
striving to create a world with fewer
bankruptcies, fewer people
defaulting on their student loans and
more people who feel in control of
their financial future. T hrough
Community Bank of the
Chesapeake?s investment in these
students, we are one step closer.?
CBT C is delighted on the success
their Financial Scholars Program
has brought to students and tries
their hardest to continue making a
difference in the community.
FINANCIAL SCHOLAR PARTICIPANTS
WITH THEIR AWARDS ALONG WITH
CBTC REPRESENTATIVES
CASUAL FOR A CAUSE
CBT C is continuing their annual
event, Casual for a Cause. Casual for
a Cause allows employees to dress
business casual during the summer
months after making a donation. T he
event goes from May 1 to L abor Day.
Each year CBT C chooses local
non-profit organizations to donate the
money to. T his year the money is
going to Stafford junction and Calvert
County, Charles County and St.
Mary?s County Public Schools.
 ABOUT COMMUNITY BANK OF THE CHESAPEAKE

Headquartered in Waldorf, Maryland, Community Bank of the Chesapeake is a full-service commercial

bank, with assets over $1 billion. T hrough its 12 banking centers and five commercial lending centers,
Community Bank of the Chesapeake offers a broad range of financial products and services to
individuals and businesses. Community Bank of the Chesapeake is a wholly owned subsidiary of T he
Community Financial Corporation (NASDAQ: T CFC). More information about Community Bank of the
Chesapeake can be found at www.cbtc.com.

CONTACT CBTC

W rite to us: Call us: Socail Media:

Community Bank of the Chesapeake
P.O.Box 38 Waldorf, MD 20604
For general inquires, email us:
onlinehelp@cbtc.com
888-745-2265
On Saturdays, our team can assist
you by phone from 8:30 - 4:00.
301-643-7142
Blog: https:/ / blog.cbtc.com/
Facebook: @cbtcconnects
T witter: @CBT Cconnect

CBTC LOCATIONS

WAL DORF St. Patr ick?s Br yans Road L a Plata Fr eder icksbur g - Fr eder icksbur g -
(Main Office) Centr al Par k Downtown
20 St Patricks Dr 8010 Matthews Rd 101 Drury Dr
3035 Waldorf, MD P.O. Box 522 P.O. Box 1810 1340 Central Park 425 William Street
L eonardtown Rd 20603 Bryans Road, MD L a Plata, MD Blvd, Suite 106 Fredericksburg, VA
P.O. Box 38 20616 20646 Fredericksburg, VA 22401
Waldorf, MD 301-932-4424 t 22401
240-585-5933 f 301-375-6118 t 301-934-5707 t 540-940-2202 t
20601
301-283-6402 f 301-934-5709 f 540-412-6475 t 540-479-8443 f
301-645-5601 t 540-412-6997 f
301-843-3986 f

L usby Dunkir k L eonar dtown L exington Par k Char lotte H all Pr ince Fr eder ick
11725 Rousby 10321 Southern 25395 Point 22730 T hree 30165 T hree 200 Market Square
Hall Road Maryland Blvd L ookout Rd Notch Rd Dr
Notch Rd.
L usby, MD 20657 P.O. Box 373 P.O. Box 241 P.O. Box 561 P.O. Box 3004
Dunkirk, MD L eonardtown, MD Charlotte Hall, MD Prince Frederick,
410-326-3406 t California, MD 20622
20754 20650 MD 20678
410-326-3453 f 20619
410-257-0840 t 301-475-5046 t 301-884-5724 t 410-535-2265 t
301-327-5474 f 301-475-1835 f 301-862-1900 t 301-884-3047 f 410-535-0199 f
301-862-1581 f