Howard Bancorp, Inc. is the holding company for Howard Bank. The Bank's primary market focus is on making loans to and gathering deposits from small and medium size businesses and their owners, professionals and executives, and high-net-worth individuals in our primary market area. Its lending activities consist generally of short to medium term commercial lending, commercial mortgage lending for both owner occupied and investor properties, residential mortgage lending and consumer lending, both secured and unsecured. Howard Bank offers a range of services including wire transfer services, ATM and check cards, safe deposit boxes and credit cards through a third party processor. Additionally, the Bank provides Internet banking capabilities and merchant card services for its business customers.