Dear Howard Bancorp, Inc. Stockholder: The 2014 Annual Meeting of Stockholders (the “Annual Meeting”) of Howard Bancorp, Inc. will be held at 11:30 A.M., local time, on May 28, 2014 at Howard Bancorp’s corporate offices located at 6011 University Boulevard, Suite 370, Ellicott City, MD. The Annual Meeting is for the purpose of considering and acting upon: 1. the election of three directors of Howard Bancorp to serve for a three-year period, 2. a non-binding advisory proposal to approve the compensation of our named executive officers, 3. the ratification of the appointment of Stegman & Company as Howard Bancorp’s independent registered public accounting firm for 2014, and such other matters as may properly come before the Annual Meeting, or any adjournments thereof. The Board of Directors is not aware of any other such business. Stockholders of record at the close of business on April 10, 2014 are the stockholders entitled to vote at the Annual Meeting. Your Board of Directors recommends a vote “FOR” Proposals 1, 2 and 3. You may access the following proxy materials on the Internet athttp://www.cfpproxy.com/5947 (i) Notice of the Annual Meeting; (ii) The 2013 Annual Report to Stockholders; (iii) The Annual Meeting Proxy Statement; and (iv) A form of proxy card for the Annual Meeting. If you would like a paper or email copy of the proxy materials and a proxy card mailed to you, you may request one: • by calling 800-951-2405 (please have your Stockholder Control Number, which is printed at the bottom of this notice); or • by sending an email to fulfillment@rtco.com and by inserting your Stockholder Control Number in the subject line; or • by making your request online at http://www.cfpproxy.com/5947 and inserting your Stockholder Control Number when prompted. You will have the opportunity to make your request for paper or email copies apply to all future annual stockholder meetings (which you may later revoke at any time) or only for the Annual Meeting. You may vote by Internet, by phone, by mail or in person. If you wish to vote by Internet or by phone, you will need your Stockholder Control Number, which can be found in the bottom right hand corner of this notice and the web address and/or toll-free phone number below. No other personal information will be required in order to vote in this manner. If you request a paper copy of the proxy materials and the proxy card in accordance with the instructions below and wish to vote by mail, simply cast your vote on the proxy card and sign and return it in the accompanying Business Reply Envelope. You may also vote in person at the Annual Meeting. If you wish to vote in person at the Annual Meeting, you will need personal identification and, unless you are a registered holder of Common Stock, evidence of your ownership of Howard Bancorp, Inc. Common Stock as of the close of business on the record date. We ask that you cast your vote promptly. Thank you for your continued support! If you want to receive a paper or email copy of these documents, you can request one at any time. There is no charge to you for requesting a copy. Please make your request for a copy of these reports by May 14, 2014 to ensure delivery before the Annual Meeting. Stockholder Control Number |