HOWARD BA

Howard Bancorp, Inc. is the holding company for Howard Bank. The Company is engaged in commercial banking business, making various types of loans, and accepting deposits. The Company's commercial lending activity consists of lines of credit, revolving credit facilities, accounts receivable and inventory financing, term loans, equipment loans, equipment leases, small business administration (SBA) loans, stand-by letters of credit and unsecured loan. The Company originates home equity loans and home equity lines of credit that are primarily secured by a second mortgage on owner occupied one-to-four family residences. The Company offers Various types of secured and unsecured consumer loans, including marine loans originated through brokers. It provides a range of services, including wire transfer services, automated teller machines (ATMs) and check cards, safe deposit boxes and credit cards. The Company also provides digital banking services to its customer.