Special Notice: Customer Account and Information Security

February 25, 2022

This is an important reminder about protecting your account and personal information.

With the fast-changing media reports regarding the Ukraine-Russia conflict, we want to reassure you that BCT has taken proactive precautions to the highest extent possible to safeguard against cyber threats.

You also play a significant role in protecting your account and private information. We encourage each customer to exercise cyber security precautions by utilizing a few key best practices:

Utilize Strong Passwords – Passwords should not be easy to guess and should use a minimum 8 alpha-numeric-symbol characters.
Update Devices – Ensure your desktop and mobile devices have the most recent security patches.
Update Anti-Virus Software – Ensure your desktop and mobile devices have antivirus software with the most current versions and virus definitions.
Email Safety- Don’t click on links or attachments in emails or text messages you are not expecting. If in doubt, don’t click.
No Public Wi-Fi – Do not utilize public Wi-Fi or public devices when accessing sensitive accounts.

BCT is committed to safeguarding all customer accounts and private information. These best practices will help protect your account and private information.

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About the Company

Founded in 1871, BCT - Bank of Charles Town, also known as The Community's Bank, is a wholly owned subsidiary of Potomac Bancshares, Inc. (OTC:PTBS). With approximately $896 million in assets as of March 31, 2025, the Company conducts operations through its main office, an additional eight branch offices, and two loan production offices. BCT’s offices are located in Jefferson and Berkeley Counties (WV), Washington County (MD), and Loudoun and Stafford Counties (VA). The Bank offers commercial lines and term loans, residential and commercial construction loans, commercial real estate loans, agricultural loans, and government contractor loans. The Bank is also a Small Business Administration (SBA) Preferred Lender. The Residential Lending division offers secondary market and portfolio mortgage loans, one-time close construction to perm loans, as well as home equity loans and lines of credit. For over 70 years, BCT Wealth Advisors has provided caring and personalized trust services, growing into a premier financial management, investment strategies, and estate services provider. The Bank also provides convenient online and mobile banking for individuals, businesses, and local governments plus free access to over 55,000 ATMs through the Allpoint® network plus another approximately 675 free access ATMs through another partnership. BCT was voted WINNER in the LoudounNow 2024 Loudoun’s Favorite readers’ poll in four categories: Bank, Mortgage Company, Banker, and Financial Planner. BCT was voted a “Best of the Best” winner in the 2024 Martinsburg Journal-News Readers’ Choice Awards in three categories: Bank, Loan Services, and Financial Planning. In 2023, American Banker selected BCT as a “Top 200 Community Bank,” an annual listing of the best performing banks in the United States with assets under $2 billion. Since 2019, the Bank has been named a “Best Bank To Work For” by American Banker five times.

The Company's shares are quoted on the OTC Pink Sheet marketplace under the symbol "PTBS." Individuals may purchase shares under the symbol “PTBS” by contacting Shane Bell, EVP and CFO, at [email protected], or through one’s personal broker. For more information about Potomac Bancshares, Inc., and the Bank, please visit our website at www.mybct.bank.