Why Access National Bank?

• We are a business bank with dedicated bankers experienced in working with all types of small businesses including attorneys, CPA’s, government contractors, medical practices, non profit organizations and companies with $2 to $100 million in revenue.

• Exceptional financial performance record.

• We have experienced commercial relationship managers and lenders committed to helping you grow your business.

• Responsible stewards of capital

• We offer a full menu of treasury management products to manage your cash, maximize earnings potential and improve productivity.

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About Access National Bank

• Organized in 1999 by local business professionals and bankers. We are headquartered in Reston Virginia and have five locations to serve you; Reston, Tyson’s, Chantilly, Leesburg and Manassas.

• Our assets are over $809M as of 12/31/11 and we have reported 46 consecutive quarters of profitability.

• Educational seminars and networking opportunities are an integral part of Access National Bank’s strategy to help our clients grow their business.

• Access is TARP-free and “well capitalized” as defined by the federal regulators.

• We are a publicly traded company on NASDAQ under the symbol ANCX.

Why Access National Bank

Commercial & SBA Loans

• Working capital for business growth• Acquisition of an existing business• Commercial real estate mortgages• Government contract lending • SBA 7(a) and 504 lending programs• Asset based lines of credit

As the number one SBA lender in the Washington, D.C. area, Access has the experience in making both conventional and SBA loans that will enable your company to strengthen its competitive edge. We can customize our loan programs to meet your needs by offering loans for:

Commercial & SBA Loans

• $5 million SBA loan for Growth Capital secured with a 3rd position UCC on business assets to a “small” $200 million revenue firm in Tyson’s Corner.

• Assisted a contractor with $36 million annual revenue and did a two -stage leveraged ESOP,  we funded a $5 million 7(a) loan to pay-off the mezzanine debt, reducing debt service by half via a 6% interest rate over 10 years.

Below are a few highlights of recent deals we were able to structure for Access National Bank clients:

As you can see, we customize transactions based on our client’s needs; that can make a meaningful impact on their business.  Learn more about how we can collaborate with you to grow your company.

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Commercial Banking - Checking

• Commercial Checking Account- This checking account is designed for higher transaction volume accounts with over 200 items per month. A variable, market based earnings credit is applied to balances to offset monthly fees.

• Small Business Checking Account - Designed for low balance and lower volume activity accounts (less than 200 items per month.)

• Business Interest Account - This is an interest-bearing checking account designed for Non Profits, Governmental units and Sole Proprietorships.

• IOLTA Accounts – This account is designed for attorneys who need an interest earning trust account, as required by law. Interest earned is sent to the appropriate state bar association.

We have experienced business relationship bankers to help you choose products and services to meet your business needs through the offering of customized accounts:

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Commercial Banking - Savings

• Business Money Market Accounts• Professional Business Money Market Accounts - Earn a high yield for your banking

relationship. Requires a combining a primary checking account, direct deposit, and debit card to qualify for higher yield

• Certificates of Deposits – We offer terms from 3 Days to 7 years• Overnight Investments - Designed to maximize the earning power of cash for qualified

corporate clients. Enjoy the convenience of automated investment, instant liquidity and premium yields. These investments are Not FDIC insured are not deposits and are not guaranteed by the bank.

• Certificate of Deposit Account Registrary (CDARS) – FDIC up to $50 million. Deposits are eligible for multi-million dollar FDIC insurance coverage through one institution. CDARS offers a variety of rates and terms.

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Treasury Management Services

Access National Bank offers a comprehensive suite of treasury management solutions to help your business manage payables and receivables easily and efficiently:

Positive Pay Service - Offers a variety of affordable fraud management solutions to empower your business to guard against check fraud through the use of technology.

E-Deposit Service - is our internet based electronic deposit solution that allows you to easily deposit checks anywhere you have internet access and transmit them to Access National Bank for same day credit.

Wholesale and Retail lockbox – Expedite collection of receivables and access to your funds

Online Banking Services - Our online treasury management solution provides businesses of any size access to real-time account information 24 hours a day, seven days a week. This system will enable you to monitor and manage cash flow effortlessly in a secured environment.

Treasury Services - Payroll Services

• Lower Cost – Direct costs of payroll processing can be greatly reduced by outsourcing

• Better Tax Compliance • Be More Productive – Remove the hassle of payroll processing from the Owner or

Employees • Have Greater Security – Limit access to payroll records • Have Peace of Mind - No headaches; No worries

Through our partnership with Employer Services Online (ESO), they can streamline your back office operations with a more convenient, accessible and cost-effective Internet-based payroll and tax filing services.

Treasury Services – Merchant Services

• Credit and Debit Card Purchase, Authorization, Capture & Settlement • Internet and e-Commerce Processing Solutions • Gift Cards • Payroll Cards • Loyalty Programs

Being able to offer cost-effective payment options to your clients and having faster access to receivables is extremely valuable to your business, which is why Access offers a variety of payment processing solutions to help your business maximize profit at minimal cost.

Private Banking

• Online Banking provides you with the ability to manage your bills online whenever and wherever you want within minutes. Access Bill Pay will not only save you time by eliminating the hassles of writing checks and addressing envelopes.

• Use the Access National MasterMoney™ Debit Card at any ATM Worldwide. Access National has no front end ATM charges. To offset the charges at other bank's ATMs, Access National will refund up to 5 charges per month, per cardholder, with a maximum monthly refund of $20 each month. This applies to all ATM charges worldwide.

We offer both interest and non-interest bearing checking accounts, money market, savings, certificates of deposit and Individual Retirement Accounts. We also offer greater flexibility to access your account information and places where you can use your Access Debit Card.

Mortgages

Access National Bank completes your business and personal banking relationship by offering fixed-rate & variable-rate mortgages through Access National Mortgage, a division of Access National Bank.

Whether you're buying your first home or trying to capitalize on your investment, we have a program for you. Our experienced mortgage bankers will find the best loan for your needs and prepare and guide you through every step of the loan process.

Access Investment Services

AIS offers individuals and business owners convenient on-site access to a wide range of investment products and services:

Pension Plan Development and Management (401k and Defined Benefit);

Group Benefits (disability, life and health); Financial Planning and Full Service Brokerage; Insurance.

NO BANK GUARANTEE | NOT FDIC INSURED | MAY LOSE VALUE All Securities and Advisory Services offered through Investment Professional, Inc. (IPI), a Registered Broker/Dealer & Registered Investment Advisor and member FINRA / SIPC. The investment services offered by IPI under the name Access Investment Services are in no way affiliated with or offered by Access National Bank, nor is Access National Bank a registered broker/dealer. Customers working with Access Investment Services will be dealing solely through IPI with respect to their investment, brokerage and securities transactions. The products offered by IPI are not insured by the FDIC or any other government agency, are not deposits or other obligations for Access National Bank or guaranteed by Access National Bank and involve investment risks, including possible loss of principal amount invested.

Capital Fiduciary Advisors, LLC

• CFA provides asset management services to affluent individuals, institutions and nonprofits

• CFA customizes service packages for each client, utilizing an objective approach that is consistent with Access National’s high-level, “business focused” standards

• Portfolio management focuses on specialty, global investment and administrative strategies and services

• CFA specializes in executive officer and complex transaction-related services such as restricted stock plans, advanced wealth transfer strategies and Employee Stock Ownership Plans (ESOPs)

Capital Fiduciary Advisors, LLC (CFA) is an independent registered investment advisory firm, (RIA) owned by Access National Bank.

Professional Banking Services

We would like to address the most important aspect of your banking relationship with Access National Bank…and that is your relationship team.

Your team will consist of a Relationship Manager, Cash Management Specialist, Client Services Manager, and a Credit Officer, as credit needs arise.

You will be served by real people who live and work in the same market and who understand and appreciate your business.

Experience the Access Difference!

Diane HollandAccess National Bank

Assistant Vice PresidentClient Services Manager

Direct 703-871-7393 dholland@accessnationalbank.com

Serving successful businesses and professionals throughout Northern Virginia, Maryland and the Washington, D.C. Area.

Commercial Loans | SBA Loans | Treasury Services | Commercial Banking | Investments | Private Banking | Mortgages