Letterhead of Stradley Ronon Stevens & Young, LLP] August 29, 2000 Board of Directors Patapsco Bancorp, Inc. 1301 Merritt Boulevard Dundalk, MD 21222-2194 Attention: Thomas P. O'Neill, Chairman RE: Agreement of Merger dated as of May 16, 2000 by and...Agreement of Merger • August 30th, 2000 • Patapsco Bancorp Inc • Savings institution, federally chartered
