Please join us for an educational and informative panel discussion with senior executives from Harford Bank, Howard Bank and TD Bank. Panelists include: Michael F. Allen, President, Harford Bank, Robert D. Kunisch, Jr., President, Howard Bank, David M. Hargadon, Senior Vice President, Regional Vice President, Maryland/Virginia Region, TD Bank. Moderated by Glenn Wilson, President and CEO, Chesapeake Bank and Trust. Lunch will be provided.