0001144204-12-007844 Sample Contracts

LEASE BETWEEN HOWARD BANK, AS TENANT AND the entities set forth in exhibit a hereto, AS LANDLORD
Lease • February 13th, 2012 • Howard Bancorp Inc • State commercial banks • Maryland

THIS LEASE is dated as of December 27, 2011 between the Landlord and the Tenant named below, and is of space in the Building described below.

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SUBSCRIPTION RIGHTS TO PURCHASE SHARES OF COMMON STOCK OFFERED PURSUANT TO SUBSCRIPTION RIGHTS DISTRIBUTED TO STOCKHOLDERS OF HOWARD BANCORP, INC. THE SUBSCRIPTION RIGHTS ARE EXERCISABLE UNTIL 5:00 P.M., EASTERN TIME,
Howard Bancorp Inc • February 13th, 2012 • State commercial banks

This letter is being distributed by Howard Bancorp, Inc. (“Howard Bancorp”) to all holders of record of shares of its common stock, par value $0.01 per share (the “Common Stock”), at 5:00 p.m., Eastern Time, on [record date] (the “Record Date”), in connection with a distribution in a rights offering (the “Rights Offering”) of non-transferable subscription rights (the “Subscription Rights”) to subscribe for and purchase shares of Common Stock. The Rights and Common Stock are described in the Howard Bancorp prospectus dated _______ __, 2012 (the “Prospectus”).

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