GOVERNMENT CONTRACTOR LENDING Government LendinG …

GOVERNMENT CONTRACTOR LENDING

Program and Services

SERVING GREATER DC, VA, MD

AND THE NATION

Presidential Bank .....

u Delivering responsive, dependable banking solutions

u Serving business credit customers throughout the United States

u Drawing on 30-plus years of Government Contractor financing experience

u Leading the way since 1995 with the Nation's first online banking program

FDIC Insured

Government Contractor and Business Lending Division

21 Catoctin Circle, SE Leesburg, VA 20175

800-340-6721

Government Contractor Lending Services

Getting Started

> Quick, no-obligation evaluation of credit eligibility

> Creative and flexible loan terms tailored to each borrower's individual credit needs

> Dedicated, experienced lending staff for quick turn-around loans to eligible borrowers

> In-depth Government Contractor industry knowledge and experience, for prompt answers and efficient use of your company's time

> Government Contractor financing programs available to borrowers nationally

Located at the Dulles Tech Corridor-- Where Government Contracting

is a way of life

GOVERNMENT CONTRACTOR LENDING PROGRAM

TYPICAL BORROWER PROFILE

> Companies anywhere in the United States with substantial federal, state or local Government contracts

> Companies in transition from start-up to established small business

> Companies with minimum 2 years operating history (or equivalent experience)

> Companies that have reached and are maintaining positive cashflow

> Companies with sufficient outside investment or retained earnings to remain stable during planned growth

OTHER TYPICAL BORROWER CHARACTERISTICS

Annual Revenues $1 - $50 million

Borrowing Need $100,000 to $2 million (Higher levels available in certain circumstances)

Loan Collateral Accounts receivable and all other balance sheet assets

Other Needs Borrowers needing assistance with legal issues, accounting, and business planning

TYPE OF CREDIT

Revolving Lines of Credit

Mobilization Advances

TYPE OF COLLATERAL

> Government receivables > "Prime" government contractor receivables > Unbilled billable costs > Commercial accounts receivable > 12-month note for up to 60 days of costs

> Intra-period advances > Equipment financing

ADVANCE RATE AVAILABILITY Up to 90% advanced, aged up to 120 days Up to 90% advanced, aged up to 90 days Up to 50% advanced, aged up to 45 days Up to 80% advanced, aged up to 90 days Up to 100% 60 days costs,annualized after

90-day delay Up to 90% advanced,aged up to 90 days

Up to 100% of cost

User-Friendly Service

> Real-time online bank and loan account access

> Online money transfers > No lockbox charges for active loan customers

> Anonymous online loan qualification calculator > Direct borrower telephone access to dedicated Government Contractor

banking staff for free consultation and advice about growing your business

Government Contractor Banking Services

Cash Accounts

> Business demand deposit checking > Business money market checking > Business sweep savings > Liquid investment sweep funds

Other Services

> Online business banking > Online money transfers > Online inbound and outbound ACH

transfers > Free online billpayer > Remote deposit

Founded in 1985, Presidential serves the United States

and is the nation's first "Online Bank."

Government Contractor and

Business Lending Division

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ThomasBWe.thDeosed,aF,iMrstDV2ic0e8P14resident 703-669-2946

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BRANCH LOCATIONS

Washington, DC:

1660 K Street N.W. Washington, DC 20006

Virginia:

Ballston/Arlington

901 N. Stuart Street Arlington, VA 22203

Leesburg

21 Catoctin Circle SE Leesburg, VA 20175

McLean

1420 Chain Bridge Road McLean, VA 22101

Reston

1675-N Reston Parkway Reston, VA. 20194

Rosslyn Metro

1700 N. Moore Street Arlington, VA 22209

Tysons

Maryland:

Bethesda

Rockville

1861 Internatiional Drive Tysons Corner, VA 22102

4520 East West HWY Bethesda, MD 20814 807-G Rockville Pike Rockville, MD 20852

All loans subject to approval; actual loan terms may vary.

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