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In contacting Farmers and Merchants Bank by email correspondence, please do not disclose any personal or confidential information inclusive of bank account numbers and social security numbers.

ADMINISTRATION

Farmers & Merchants Bank

Corporate Offices

4510 Lower Beckleysville Road   Suite H

Hampstead, MD 21074

James R. Bosley, Jr., President
410-374-1510 Ext. 104 • 410-374-3052 (fax)

Christopher T. Oswald, Executive Vice President – Chief Operations Officer
410-374-1510 ext. 107 • 410-374-3052 (fax)

Yvonne G. Zeminski, Senior Vice President – Branch Administrator
410-374-1510 Ext. 103 • 410-374-3052 (fax)

Lynnette Kitzmiller, Vice President - Corporate Secretary
410-374-1510 Ext. 105 • 410-374-3052 (fax)

Farmers & Merchants Bank

Operations Center - Accounting Department

25 Westminster Pike

Reisterstown, MD 21136

Mark C. Krebs, Executive Vice President - Chief Financial Officer - Accounting
410-517-3065 • 410-517-3064 (fax)

Julie A. Harris-Hare, Senior Vice President – Data Processing
410-517-3065 • 410-517-3064 (fax)

T. Jeffrey Horner, Controller
410-517-3065 • 410-517-3064 (fax)

BRANCH LOCATIONS

GREENMOUNT In-Store (Wal-Mart)  Amy Collins, A.V.P - Branch Manager                                    Candice Nicholson, Head Teller 2320 Hanover Pike  Hampstead, MD 21074 410-374-3436 • 410-374-3756 (fax) Lobby Hours Monday – Friday: 9:00 am – 7:00 pm Saturday: 9:00 am – 6:00 pm Sunday: 11:00 am – 4:00 pm

HAMPSTEAD Kelly Johnson, A.V.P. – Branch Manager Emily King, Head Teller 735 Hanover Pike  Hampstead, MD 21074 410-239-4448 • 410-374-4240 (fax) Lobby Hours Monday – Thursday: 9:00 am – 3:00 pm Friday: 9:00 am – 3:00 pm & 4:00 pm – 7:00 pm Saturday: 9:00 am – 12:00 pm Drive Thru Monday – Thursday: 8:00 am – 6:00 pm Friday: 8:00 am – 7:00 pm Saturday: 8:30 am – 12:30 pm

OWINGS MILLS  Rachel Heird, A.V.P. – Branch Manager Jeff Watts, Head Teller 9320 Lakeside Boulevard  Owings Mills, MD 21117 410-356-8200 • 410-356-5456 (fax) Lobby Hours Monday – Thursday: 9:00 am – 3:00 pm Friday: 9:00 am – 3:00 pm & 4:00 pm – 7:00 pm Saturday: 9:00 am – 12:00 pm Drive Thru Monday – Thursday: 8:00 am – 6:00 pm Friday: 8:00 am – 7:00 pm Saturday: 8:30 am – 12:30 pm

REISTERSTOWN Wendy Panek, A.V.P.-Branch Manager Laura Slaybaugh, Head Teller 25 Westminster Pike  Reisterstown, MD 21136 410-517-3060 • 410-517-3061(fax) Lobby Hours Monday – Thursday: 9:00 am – 3:00 pm Friday: 9:00 am – 3:00 pm & 4:00 pm – 7:00 pm Saturday: 9:00 am – 12:00 pm Drive Thru Monday – Thursday: 8:00 am – 6:00 pm Friday: 8:00 am – 7:00 pm Saturday: 8:30 am – 12:30 pm

UPPERCO/MAIN OFFICE Shannon Panek-Close, A.V.P. – Branch Manager  Kayla Wright, Head Teller 15226 Hanover Pike  Upperco, MD 21155  410-833-6600 • 410-526-3835(fax) Lobby Hours Monday – Thursday: 9:00 am – 3:00 pm Friday: 9:00 am – 3:00 pm & 4:00 pm – 7:00 pm Drive Thru Monday – Thursday: 8:00 am – 6:00 pm Friday: 8:00 am – 7:00 pm Saturday: 8:30 am – 12:30 pm
WESTMINSTER Deborah Zepp, A.V.P. – Branch Manager  Andrea Niebuhr, Head Teller 275 Clifton Boulevard  Westminster, MD 21157  410-857-1100 • 410-857-2360(fax) Lobby Hours Monday – Thursday: 9:00 am – 3:00 pm Friday: 9:00 am – 3:00 pm & 4:00 pm – 7:00 pm Saturday: 9:00 am – 12:00 pm Drive Thru Monday – Thursday: 8:00 am – 6:00 pm Friday: 8:00 am – 7:00 pm Saturday: 8:30 am – 12:30 pm

RETIREMENT COMMUNITY 

Atrium Village                                                             Monday, Wednesday, & Friday: 9:00AM-2:00PM Megan Rudolph, Branch Manager 410-998-8847

Carroll Lutheran Village Monday - Friday: 10:00AM-2:00PM Jennifer Caines, Branch Manager 410-848-1110

COMMERCIAL BANKING & LENDING

Farmers & Merchants Bank

Main Office - Loan Department

15226 Hanover Pike

Upperco, MD 21155

Cheryl Y. Lewis, Senior Vice President – Lending   NMLS ID 756571
410-833-6600 • 410-526-3835 (fax)

J. Ritchie Solter, Senior Vice President - Commercial Banking   NMLS ID 756084   
410-356-9303 ext. 26 • 410-356-5457 (fax)

M. Eugene Bosley, Vice President - Commercial Banking NMLS ID 756566
410-356-9303 ext. 27 • 410-356-5457 (fax)

Tom Long, Commercial Banking Officer NMLS ID 432486
410-356-9303 ext. 21 • 410-356-5457 (fax)

Farmers & Merchants Bank

Commercial Banking Division - Westminster

275 Clifton Boulevard

Westminster, MD 21157

Gary A. Harris, Senior Vice President - Commercial Banking NMLS ID 756096
410-857-1700 ext. 20 • 410-857-2360 (fax)

Kevin P. Bankert, Vice President - Commercial Banking NMLS ID 756568
410-857-1700 ext. 21 • 410-857-2360 (fax)

Suzette L. Covalt, Vice President - Commercial Banking Officer  NMLS ID 1466879 
410-857-1700 ext. 25 • 410-857-2360 (fax)

MORTGAGE DIVISION