SPECIAL ADVERTISING PUBLICATION • MARCH 2012

SPONSORS:

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Table of ContentsDemographics . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4Sponsor: The Universities at Shady Grove

Banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10Sponsor: Sandy Spring Bank

Business Resources . . . . . . . . . . . . . . . . . . . . . . . . . . . .14

Education . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18Sponsor: Montgomery College

Government . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22

Health . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24

Leisure, Hospitality & Arts . . . . . . . . . . . . . . . . . . . . . . .26

Life Sciences & Technology . . . . . . . . . . . . . . . . . . . . . .28Sponsor: Maryland Bio Tech Center

Real Estate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .31

n Publisher: James F. Mannarino

n Associate Publisher: Trina Lapier

n Advertising Director: Terry Tillman

n Production Coordinator: Kathleen Castellano

n Layout Design: Son Young Lee, John Schmitz Jr.

9030 Comprint Court, Gaithersburg, MD 20877240-864-1558 • www.gazette.net/business

This supplement was produced by The Gazette of Politics & BusinessAdvertising Sales Department. Unless otherwise noted, this report was

gathered by Karen Finucan Clarkson, kfclarkson@gmail.com. None of thecopy was written by The Gazette of Politics & Business editorial staff. AllPhotos supplied by the specific corporate entity, unless otherwise stated.

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Top Company Headquarters in Maryland

Catalyst Health Solutions Pharmacy benefit management servicesConstellation Energy Group Electric and gas servicesCoventry Health Care Health care servicesDiscovery Communications Media and entertainment programmingHost Hotels & Resorts Lodging and hospitality servicesLegg Mason Financial and investment servicesLockheed Martin Aerospace and electronic systemsMarriott International Food and lodging servicesMcCormick & Company Food products and flavoringsT. Rowe Price Financial and investment servicesW.R. Grace Specialty chemicals

Note: Employment number excludes contractors.Source: Maryland Department of Business and Economic Development, November 2010.

* Measured from the same quarter in the prior year in constant 2005 dollarsPrepared by the Maryland Department of Planning from U. S. BEA data (SQ7), October 2011

Source: U.S. Bureau of Economic Analysis, 2009. Total full- and part-time employment.

Maryland's Largest Industries

Rank Industry Employment Percent1 Health care and social assistance 382,925 11%2 Retail trade 355,429 10%3 State and local government 345,896 10%4 Professional and technical services 335,677 10%5 Leisure and hospitality 292,546 8%6 Construction 249,136 7%7 Administrative and waste services 216,386 6%8 Federal government 205,505 6%9 Other services, except government 195,118 6%

10 Real estate and rental and leasing 185,668 5%11 Finance and insurance 159,323 5%12 Manufacturing 136,811 4%13 Wholesale trade 103,987 3%14 Transportation and warehousing 96,771 3%15 Educational services 88,506 3%16 Information 63,610 2%17 Management of companies 22,741 1%18 Farming 19,186 1%19 Utilities, mining, forestry, fishing 17,764 0.5%

Percent Change in Quarterly Wagesand Salaries*

Top Publicly Held Employers

Walmart 17,715 Retailer, consumer goodsGiant Food 13,403 Retailer; groceriesVerizon Maryland 11,253 Telecommunication servicesNorthrop Grumman 10,800 ElectronicsLockheed Martin 9,245 Aerospace, defense and communicationsMarriott International 9,170 Food and lodging servicesConstellation Energy Group 7,501 Electric and gas servicesSafeway 7,500 Retailer; groceriesMcDonald's 7,493 RestaurantsUnited Parcel Service 6,806 Package delivery services

Source: Maryland Department of Business and Economic Development, November 2010.

Top Privately Held EmployersJohns Hopkins Hospital &Health System 20,273 Hospital; health servicesUniversity of Maryland Medical System 15,000 Hospital; health servicesMedStar Health 14,867 Hospital network;

health servicesAdventist HealthCare 8,572 Hospitals; health care servicesLifeBridge Health 6,961 Hospitals; health care servicesGenesis HealthCare 5,151 Health care servicesJohns Hopkins UniversityApplied Physics Lab 4,600 R&D systems engineeringMercy Health Services 3,966 Hospital; health servicesGBMC HealthCare 3,819 Hospital; health servicesCareFirst of Maryland 3,500 Health care servicesKaiser Foundation Health Plan 3,500 Health care services

Source: Maryland Department of Business and Economic Development, November 2010.

100 Best Companies to Work for inMaryland

Rank Company City U.S. employees

85 Booz Allen Hamilton Annapolis Junction 1,319

81 CarMax Laurel 1,197

71 Marriott International Bethesda (HQ) 12,858

95 Morningstar Oakland 43

31 W. L. Gore & Associates Elkton 2,136

Source: "Money" magazine, Feb. 2011

Greenspring Energy Timonium Solar electricity system services

Millennial Media Baltimore Mobile advertising

WhiteOak Group Easton IT services

MindPetal Rockville IT services

Zenoss Annapolis IT services

Standard Solar Rockville Solar electricity system services

Innotion Enterprises Potomac Real estate tech, managementand marketing

Clean Currents Rockville Wind energy

Spark Revenue Chevy Chase Online marketing services

Ciphent Hanover Cybersecurity services

Infojini Columbia IT services

Axom Technologies Annapolis Junction IT and engineering services

FedStore Rockville IT services

Avian Engineering Lexington Park IT and engineering services

Daytner Construction Grp. Mt. Airy Genl. contracting andconstruction mgt.

Bach to Rock Bethesda Music school

Pharmacare Bel Air Specialty pharmacy

TISTA Science andTechnology Bethesda Cybersecurity and IT services

Notes: Sales growth measured from 2007 to 2010; rank based on U.S.-based,privately held companies with minimum $2 million revenue in 2010.Source: Maryland Department of Business and Economic Development, based on Inc. magazine, Inc. 500 /5000, September 2011.

Major Statewide Employers

Job Growth by IndustryS

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Employer Employees Product/ServiceFort George G. Meade 44,540 Military installation/intelligenceUniversity System of Maryland 36,380 Higher educationJohns Hopkins University 27,000 Higher educationJohns Hopkins Hospital & Health System 20,100 Hospitals; health servicesNational Institutes of Health 18,800 Federal agencyWalmart 17,420 Consumer goodsAberdeen Proving Ground 15,580 Military installationUniversity of Maryland Medical System 15,000 Hospitals; health servicesMedStar Health 14,600 Hospitals; health servicesGiant Food 13,260 GroceriesU.S. Social Security Administration 13,000 Federal agencyWalter Reed Nat'l Military Medical Center 11,000 Hospital; health servicesNorthrop Grumman 10,980 Electronic systemsNaval Air Station Patuxent River 10,960 Military installationMarriott International 10,000 Food and lodging servicesVerizon Maryland 9,720 Communications servicesU.S. Food and Drug Administration 9,480 Federal agencyLockheed Martin 9,000 Aerospace and electronicsJoint Base Andrews Naval Air Facility 8,060 Military installationConstellation Energy Group 7,400 Energy servicesLifeBridge Health 7,400 Hospitals; health servicesUPS 7,260 Package delivery servicesTarget 7,200 Consumer goodsSafeway 6,860 GroceriesHome Depot 6,620 Home improvement products

Notes: Largest employers exclusive of state and local governments. Employee counts are rounded. Federal and military employersexclude contractors to the extent possible; embedded contractors may be included. Fort George G. Meade includes employees ofthe National Security Agency.Source: Maryland Department of Business and Economic Development, 2011.

Employment PercentIndustry 2008 2018 Change ChangeTotal Employment, All Jobs 2,751,375 3,003,120 251,745 9.1Total Self-Employed and Unpaid Family Workers, Primary Job 210,610 218,470 7,860 3.7Total Wage and Salary Employment 2,540,765 2,784,650 243,885 9.6

Agriculture, Forestry, Fishing and Hunting 4,850 4,955 105 2.2Mining 1,610 1,495 -115 -7.1Utilities 10,275 10,130 -145 -1.4Construction 178,075 193,160 15,080 8.5Manufacturing 128,440 112,335 -16,105 -12.5Wholesale Trade 93,405 95,695 2,295 2.5Retail Trade 292,910 304,840 11,930 4.1Transportation and Warehousing 68,790 71,635 2,840 4.1Information 49,815 49,530 -290 -0.6Finance and Insurance 103,035 108,520 5,485 5.3Real Estate and Rental and Leasing 46,185 49,345 3,160 6.8Professional, Scientific, and Technical Services 226,210 282,290 56,085 24.8Management of Companies and Enterprises 21,135 23,400 2,265 10.7Administrative and Support and Waste Management and Remediation Services 151,605 173,975 22,370 14.8Educational Services 246,170 272,100 25,925 10.5Health Care and Social Assistance 313,135 377,370 64,235 20.5Arts, Entertainment, and Recreation 36,425 40,605 4,180 11.5Accommodation and Food Services 199,625 218,925 19,300 9.7Other Services (Except Government) 90,105 101,195 11,085 12.3Government 278,960 293,165 14,200 5.1

Source: Maryland Department of Labor, Licensing and Regulation's Office of Workforce Information and Performance

Fastest Growing Companies

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Dec 10 Jan 11 Feb Mar Apr May June July Aug Sept Oct Nov DecMD 7.4% 7.2% 7.1% 6.9% 6.8% 6.8% 7.0% 7.1% 7.3% 7.4% 7.2% 6.9% 6.7%US 9.4% 9.0% 8.9% 8.8% 9.0% 9.1% 9.2% 9.1% 9.1% 9.1% 9.0% 8.7% 8.5%

Seasonally Adjusted UnemploymentRates - Maryland and USDecember 2010 through December 2011

Key Indicators of Commuting

Key Indicators of Maryland’s Workforce

Source: Maryland Department of Labor, Licensing & Regulation

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Where Maryland Residents Work

Population Change in Maryland's Jurisdictions

Source: US Census Bureau, LED Origin-Destination Data Base 2008Prepared by the Maryland Department of Labor, Licensing and Regulation, Office at Workforce Information and Performance,June 2010

Notes: Data shows change from 2000-2010Source: Maryland Department of Planning

SPONSOR • Sandy Spring BankS

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In 2011, we saw a slow and steady rebound ofthe economy, though we're certainly not out ofthe woods in terms of the economy as a whole.U.S. markets continue to face uncertainty overthe European economy and escalating gas pricescould derail the momentum.

Closer to home, The Washington-Baltimore areaseems to be somewhat insulated from thesevere economic turmoil the rest of the countryhas faced. Our local housing market has startedto rebound at a favorable rate compared tonational levels. And the Base Realignment andClosure activities, development in and aroundSilver Spring, and road work and newconstruction are all clear signs of a healthy,vibrant, local economy. One of the main driversfor this recovery remains the stability of federaljobs in the MD, DC and VA areas.

To effectively navigate today's economy,businesses need a savvy financial co-pilot -someone to guide them through rough watersand provide a safe harbor. As the largest publiclytraded banking company headquartered andoperating in Maryland, Sandy Spring Bank iswell positioned to help businesses of all sizessurvive turbulent economic times and emergepositioned for future success.

Our seasoned professionals have access to anarray of commercial banking products andservices that enable clients to simplify theirfinances and spend more time focusing on theirgoals. Sandy Spring bankers are not onlyaccessible, but are committed to turning aroundrequests as expeditiously as possible. Loandecisions are made locally here in Maryland; notfarmed out to other states for consideration bypeople unfamiliar with you and your business.

It is this relationship banking that differentiatesSandy Spring Bank from the competition. Ourbankers have raised the bar when it comes to

personal service. Not only do our bankers workwith businesses to craft cost-cutting and time-saving solutions - such as affordable employee-benefit programs, ebiz online banking, andmerchant services - but they anticipate needs asbusinesses evolve and grow.

Critical to a business' success is the ability tomanage cash flow and finance growth. A line ofcredit from Sandy Spring Bank can help smoothout income fluctuations. During lean times, aline of credit affords the freedom to accessworking capital for things like supplies,employee payroll, and inventory. During times offinancial expansion, excess funds can bedeposited into Sweep Investment Accounts.

Despite headlines to the contrary, many banks -Sandy Spring chief among them - continue tolend to new and existing commercial clients. Wehave also made variety of sales/processimprovements to better serve the small businesscommunity. As an active SBA lender, we arecommitted to supporting the businesses andinstitutions that give this region such vitality andcharacter.

To that end, our employees are active andengaged in their communities. Last year alone,Sandy Spring Bank staff gave over 31,000 hoursin volunteer work and community improvement,such as the bank's Rebuilding Together andHabitat for Humanity teams, which haverenovated low-income homes in three counties.We're working with local elementary schoolswith an In-School Banking Program that teacheschildren about banking and finances in a realworld atmosphere. Students serve as tellers,collecting deposits and settling accounts. Notonly does the program reinforce math skills, itprovides children responsibility for handlingmoney and emphasizes the importance ofsaving.

While success in the here and now is important,Sandy Spring Bank also assists clients inidentifying and achieving long-term financialgoals. Succession planning, for example, canease the transition between current and futureowners. Such planning also allows for businessassets to be maximized, estate taxes to beminimized, and can open new opportunities forfamily business ownership.

Business owners can benefit personally fromSandy Spring Bank's wealth managementservices. Our hands-on, proactive andpersonalized approach to managing, growingand preserving your assets relies on your uniquelevel of comfort and tolerance for financial risk.

Dedicated to client satisfaction, Sandy SpringBank is never content with the status quo. Wecontinually realign our people, processes andtechnology in order to exceed the needs of ourclients. The banking industry is not stagnant;new technologies promise to change the waybusinesses and clients bank. No matter what thefuture holds, Sandy Spring will be there, offeringsafe-and-secure, quality banking products andservices, along with unparalleled expertise, tohelp local businesses thrive.

I invite you to call us or stop by today and learnwhy Sandy Spring Bank is one of the oldest,most successful and well respected institutionsin the area.

Member FDICAnd Equal Housing Lender

Fred BilligSenior Vice PresidentSandy Spring Bank

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Banks Doing Business in MarylandBank HQ Branches WebsiteAmerican Bank MD Montgomery (3), Prince George's (1) www.americanfsb.comArundel Federal Savings Bank MD Anne Arundel (6) www.arundelfederal.comAsian Bank, National Association NY Montgomery (1) www.asiabank-na.comBank of America NC Anne Arundel (18), Frederick (6), Howard (11), Montgomery (33), Prince Georges (30) www.bankofamerica.comBank of Georgetown DC Montgomery (1) www.bankofgeorgetown.comBankAnnapolis MD Anne Arundel (6) www.bankannapolis.comBeal Bank, FSB TX Montgomery (1) www.bealbank.comBlueRidge Bank MD Frederick (1), Montgomery (4) www.blueridgebank.comBOKF, National Association MD Howard (1) www.bankofoklahoma.comBranch Banking and Trust Company NC Anne Arundel (20), Frederick (12), Howard (4), Montgomery (17), Prince George's (17) www.bbt.comCapital Bank, National Association MD Montgomery (2) www.capitalbankmd.comCapital One, National Association VA Anne Arundel (11), Frederick (6), Howard (8), Montgomery (62), Prince George's (27) www.capitalone.comCardinal Bank VA Montgomery (1) www.cardinalbank.comCarrollton Bank MD Anne Arundel (3), Howard (1) www.carrollcobank.comCFG Community Bank MD Anne Arundel (1) http://cfgcommunitybank.comCitibank, National Association NV Anne Arundel (1), Montgomery (9), Prince George's (3) www.citibank.comColombo Bank MD Montgomery (2) www.colombobank.comCommerceFirst Bank MD Anne Arundel (3), Howard (1), Prince George's (1) www.commerce1st.comCongressional Bank MD Montgomery (3) www.congressionalbank.comDamascus Community Bank MD Frederick (1), Montgomery (3) www.yourdcb.comEagleBank MD Montgomery (8) www.eaglebankcorp.comEastern Savings Bank MD Howard (1) www.easternsavingsbank.comEssex Bank VA Anne Arundel (2), Montomery (1), Prince George's (2) www.essexbank.comFirst Mariner Bank MD Anne Arundel (3), Howard (2) www.1stmarinerbank.comFirst United Bank & Trust MD Frederick (4) www.mybank4.comFirst-Citizens Bank & Trust NC Anne Arundel (1) www.firstcitizens.comFraternity Federal Savings and Loan MD Howard (1) www.fraternityfed.comFrederick County Bank MD Frederick (4) www.fcbmd.comHamilton Federal Bank MD Anne Arundel (1) www.hamiltonfsb.comHarVest Bank of Maryland MD Frederick (1), Montgomery (4) www.harvestbankmd.comHoward Bank MD Anne Arundel (1), Howard (5) www.howardbank.comHSBC Bank USA, National Association VA Montgomery (3) www.us.hsbc.comIndependence Federal Savings Bank DC Montgomery (1) www.ifsb.comIndustrial Bank DC Prince George's (2) www.industrial-bank.comJohn Marshall Bank VA Montgomery (1) www.johnmarshallbank.comManufacturers and Traders Trust Company NY Anne Arundel (22), Frederick (6), Howard (9), Montgomery (37), Prince George's (13) www.mtb.comMiddletown Valley Bank MD Frederick (4) www.mvbbank.comMonument Bank MD Montgomery (2) www.monumentbank.comNorth Arundel Savings Bank, FSB MD Anne Arundel (1) www.northarundelsavingsbank.comNorthwest Savings Bank PA Anne Arundel (1), Howard (2) www.northwestsavingsbank.comOBA Bank MD Howard (1), Montgomery (5) www.obabank.comOld Line Bank MD Anne Arundel (2), Prince George's (7) www.oldlinebank.comPNC Bank, National Association DE Anne Arundel (19), Frederick (21), Howard (15), Montgomery (28), Prince George's (20) www.pnc.comPremier Bank, Inc. WV Montgomery (1) www.premierbankinc.comPresidential Bank, FSB MD Montgomery (3) www.presidential.comPrince George's Federal Savings Bank MD Prince George's (1) www.pgfsb.comRevere Bank MD Anne Arundel (1), Montgomery (1), Prince George's (1) www.reverebank.comSandy Spring Bank MD Anne Arundel (7), Frederick (4), Howard (3), Montgomery (21), Prince George's (1) www.sandyspringbank.comSevern Savings Bank MD Anne Arundel (4) www.severnbank.comSONABANK VA Montgomery (1) www.sonabank.comSovereign Bank DE Frederick (1), Montgomery (3) www.sovereignbank.comSunTrust Bank GA Anne Arundel (13), Frederick (3), Howard (5), Montgomery (37), Prince George's (29) www.suntrust.comSusquehanna Bank PA Anne Arundel (2), Howard (2) www.susquehanna.netTD Bank, National Association DE Anne Arundel (2), Montgomery (9), Prince George's (2) www.tdbank.comThe Bank of Glen Burnie MD Anne Arundel (8) www.thebankofglenburnie.comThe Columbia Bank MD Anne Arundel (1), Frederick (2), Howard (12), Montgomery (3), Prince George's (4) www.thecolumbiabank.comThe Glen Burnie Mutual Savings Bank MD Anne Arundel (1)The Harbor Bank of Maryland MD Prince George's (1) www.theharborbank.comThe Washington Savings Bank, FSB MD Anne Arundel (3), Prince George's (10) www.twsb.comUnited Bank VA Montgomery (8) www.unitedbank-dcmetro.comUnited Central Bank TX Montgomery (1) www.ucbtx.comWashingtonFirst Bank VA Montgomery (1), Prince George's (2) www.wfbi.comWells Fargo Bank, National Association SD Anne Arundel (11), Frederick (2), Howard (5), Montgomery (16), Prince George's (10) www.wellsfargo.comWoodforest National Bank TX Anne Arundel (3), Frederick (1), Prince George's (1) www.woodforest.comWoodsboro Bank MD Frederick (7) www.woodsborobank.comWoori America Bank NY Montgomery (1) www.wooriamerica.com

Source: Federal Deposit Insurance Corporation, Feb. 2012

Source: 2011 Inc. 500/5000

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Credit Union Name City WebsiteAFL CIO Employees Landover www.aflcioefcu.orgAndrews Federal Credit Union Suitland www.andrewsfcu.orgAnne Arundel Co Employees Annapolis www.aacefcu.orgAPL Laurel www.aplfcu.orgBoyds BoydsCapital Area Realtors Rockville www.carfcu.orgCapital Area Taiwanese RockvilleComstar Frederick www.comstarfcu.orgEducational Systems Greenbelt www.esfcu.orgEnergy Rockville www.energyfcu.orgFedChoice Lanham www.fedchoice.orgFedFinancial Rockville www.fedfinancial.orgFerko Maryland Frederick www.ferkomfcu.comFIAFE BWI Airport www.fiafefcu.virtualcu.netFt. Meade Community Credit Union* Ft. Meade www.ftmeadeccu.orgGreenbelt Greenbelt www.greenbeltfcu.comHCTA Ellicott City www.hctafcu.orgHEMA Silver Spring http://hemafcu.orgIBEW 26 Lanham www.ibew26fcu.comJudd's GaithersburgKorean Catholic OlneyLafayette Kensington www.lfcu.orgMBFT ThurmontMarket USA Laurel www.marketusafcu.comMarriott Employees Bethesda www.mefcudirect.comMid-Atlantic Germantown www.mafcu.org

Credit Union Name City WebsiteMN-CPPC College Park mncppcfcu.comMoney One Largo www.moneyonefcu.orgMontgomery County Employees Germantown www.mcefcuhb.orgMontgomery County Postal Gaithersburg www.mcpfcu.orgMontgomery County Teachers Derwood www.mctfcu.orgMt. Jezreel Silver Spring www.mtjezreel.com/mjfcuN.A.R.C. Beltsville http://narcfcu.orgN R L Oxon Hill www.nrlfcu.orgNASA Upper Marlboro www.nasafcu.comNational Institutes of Health Rockville www.nihfcu.orgNone Suffer Lack Suitland www.nslfcu.orgPolice Upper Marlboro www.policefcu.comPrince George's Community Upper Marlboro www.princegeorgescfcu.orgRealtors Rockville www.realtorsfcu.orgReid Temple Glenn Dale www.reidtemplefcu.orgSignal Financial Kensington www.sfonline.orgSt. Agnes Employees Baltimore www.saefcu.orgTaylor Model Basin Bethesda http://tmbfcu.comThe Mount Lebanon Baltimore www.mlfcu.virtualcu.netTower Laurel www.towerfcu.orgU.S. Postal Service Clinton www.uspsfcu.orgWR Grace Maryland Employees BaltimoreWSSC Laurel www.wsscfcu.org

*State charteredNotes: All credit unions are federally chartered, except those noted with an asteriskSource: National Credit Union Administration; Maryland Department of Labor, Licensing and Regulation

Credit Unions Doing Business in Maryland

Top Financial Services Companies in Maryland

RANK COMPANY NAME LOCATION 3-YEAR GROWTH REVENUE WEBSITE1516 Diamond Mind Potomac 183% $7.6 million www.DiamondMindInc.com1707 IndiSoft Columbia 157% $2 million www.indisoft.us2429 Key & Associates Silver Spring 97% $4.8 million www.BKeyCPA.com3721 XML Financial Group Rockville 41% $2 million www.xmlfg.com4064 Financial Advantage Columbia 30% $2 million www.investfai.com

Regional Banking Profile

Largest Deposit Markets (from 2011 Summary of Deposits) Institutions in Market Deposits ($ millions) Asset Distribution InstitutionsPhiladelphia-Camden-Wilmington, PA-NJ-DE-MD 147 417,808 < $100 million 17 (18.9% )Washington-Arlington-Alexandria, DC-VA-MD-WV 97 173,763 $100 million to $250 million 28 (31.1% )Baltimore-Towson, MD 77 60,456 $250 million to $1 billion 40 (44.4% )Hagerstown-Martinsburg, MD-WV 21 3,346 $1 billion to $10 billion 5 (5.6% )Salisbury, MD 12 1,691 > $10 billion 0 (0% )

Source: Federal Deposit Insurance Corporation, "FDIC State Profile," Maryland and Washington, DC, Third Quarter 2011

ECONOMIC INDICATORSEmployment Growth Rates (change from year ago, unless noted) Q3-11 Q2-11 Q3-10 2010 2009Total Nonfarm (share of trailing four quarter employment in parentheses) 0.2% -0.4% 0.3% -0.4% -2.9%Manufacturing (4%) -1.4% -1.5% -2.0% -3.3% -7.5%Other (non-manufacturing) Goods-Producing (6%) -3.1% -4.4% -4.7% -7.0% -14.0%Private Service-Producing (70%) 0.9% 0.3% 0.5% -0.1% -2.7%Government (20%) -1.1% -1.4% 1.8% 1.4% 1.3%Unemployment Rate (% of labor force) 7.3% 6.9% 7.4% 7.5% 7.1%

Other Indicators (change from year ago, unless noted) Q3-11 Q2-11 Q3-10 2010 2009Single-Family Home Permits 2.8% -12.3% -6.2% 5.3% -10.6%Multifamily Building Permits 4.3% -34.6% 427.1% 48.5% -50.6%Home Price Index -4.5% -4.6% -1.7% -4.3% -8.3%Nonbusiness Bankruptcy Filings per 1000 people (quarterly annualized level) 4.05 4.69 5.20 4.99 4.42

Loan Concentrations (median % of Total Risk-Based Capital) Q3-11 Q2-11 Q3-10 2010 2009Commercial and Industrial 43.31 45.62 53.23 56.03 54.25Commercial Real Estate 282.99 274.34 276.91 284.04 288.71Construction & Development 44.08 44.23 54.03 46.73 69.98Multifamily Residential Real Estate 9.54 8.32 10.66 9.96 7.55Nonresidential Real Estate 198.50 202.38 193.01 193.49 191.45Residential Real Estate 289.18 292.98 289.59 268.09 282.42Consumer 5.28 5.37 6.74 6.47 7.27Agriculture 4.81 3.53 3.86 4.35 3.07

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MARKET FACTS 2012 • Special Advertising Publication 13

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Suburban Maryland Incubators

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Incubator County Wet Lab Web Site

Association For Enterpreneurial Science Montgomery Yes www.afbr-bri.com

Frederick Innovation Center @ Hood Frederick Yes www.fitci.org

Frederick Innovation Center @ Monocacy Frederick Yes www.fitci.org

Germantown Innovation Center Montgomery Yes www.mcinnovationnetwork.com/facilitiesandtenants/facilities/germantown-ic

Shady Grove Innovation Center Montgomery Yes www.mcinnovationnetwork.com/facilitiesandtenants/facilities/shady-grove-ic

University of Maryland Technology Advancement Program Prince George's Yes www.tap.umd.edu

Business and Technology Growth Center at University Town Center Prince George's No www.universitytowncenter.net/business_incubator.html

Chesapeake Innovation Center Anne Arundel No www.cic-tech.org

Neotech Incubator Howard No www.hceda.org/thecenter/neotech.aspx

Prince George's County Technical Assistance Center Prince George's No www.pgcedc.com/tac/aboutTAC.php

Rockville Innovation Center Montgomery No www.mcinnovationnetwork.com/facilitiesandtenants/facilities/rockville-ic

Silver Spring Innovation Center Montgomery No www.mcinnovationnetwork.com/facilitiesandtenants/facilities/silver-spring-ic

Wheaton Business Innovation Center Montgomery No www.mcinnovationnetwork.com/facilitiesandtenants/facilities/wheaton-ic

Source: Maryland Biotechnology Center

Maryland Technology Incubators

Continued to page 16

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State of Maryland Buyer AgentsAGING, MD DEPT OF(410) 767-1089 Lisa WilliamsDeputy of Operations & Programs

AGRICULTURE, MD DEPT OF(410) 841-5900Joseph M. HarringtonChief

ARCHIVES, MD STATE(410) 260-6406 Barbara SchislerFiscal Administration Accounts Payable

ASSESSMENTS & TAXATION, DEPT OF(410) 767-1196 Celestine KnightAdministrator

ATTORNEY GENERAL, OFFICE OF THE(410) 576-6442 Beverly PivecDirector of Administration

AUTOMOBILE INSURANCE FUND(410) 269-8264 Bonnie BrownSupply Supervisor

BLIND INDUSTRIES & SERVICES OF MD(410) 737-2600 ext. 2610 Kim Hurdle

(410) 737-2600 Jack GrizzelChief Operating Officer

(301) 724-4111 Linda Abe

BUDGET & MANAGEMENT, DEPT OF(410) 260-7116 Joel LeberknightChief of Procurement, Finance and Admin(410) 767-4754 Ronald PairAdministrative Officer

COMPTROLLER OF THE TREASURY(410) 260-7220 Susan B. PhillipsAssistant Director

DEAF, MD SCHOOLS FOR THE(301) 360-2012 Kerrie KoopmanProcurement Officer

BUSINESS & ECONOMIC DEVELOPMENT,DEPT OF(410) 767-6488 Lisa PeeleOffice Manager

EDUCATION, MD STATE DEPT OF(410) 767-0115 Albert AnnanProcurement Officer

410) 767-0117 Edna Williams-WickerAgency Buyer

(410) 767-0118 William BurkeAgency Buyer

ENVIRONMENT, MD DEPT OF THE(410) 537-3072 Mike Gallagher(410) 537-3079 Deborah White

EXECUTIVE DEPT, STATE OF MD(410) 974-3591 Jeremy RosendaleDeputy Director

FOOD CENTER AUTHORITY, MD(410) 379-5760 Rose HarrellMarket Manager

GENERAL ASSEMBLY, MD(410) 946-5050 Andrea L DavisProcurement & Supply

GENERAL SERVICES, DEPT OFProcurement and Contracting-DGS(410) 767-4612 Iris LesterProcurement Officer

Multi-Service Centers-DGS(410) 455-7820 Delbert StallingsActing Regional Manager

(410) 455-7990 Barbara BaumanSuperintendent

(410) 238-5551 (410) 421-8383(410) 996-2840 (410) 836-4869Allan BlackistonRegional Manager

(410) 819-4045 (410) 713-3601Laurie SchmittRegional Manager

(410) 878-8240Adrian Randall

HEALTH & MENTAL HYGIENE, DEPT OF(410) 767-5117 Sharon GambrillAssistant Director-Procurement

Deer's Head Center(410) 543-4084 Sandi Perry(410) 543-4155 Beth Perdue(301) 745-4379 Eugene Dotson

Clifton T. Perkins Hospital Ctr.(410) 724-3102 Kelly Francis

HOUSING & COMMUNITY DEVELOPMENT,DEPT OF(410) 514-7231 Providencia Sharpe

Jefferson Paterson Park & Museum(410) 586-8523 Dimetrios PapdakisMaintenance Supervisor

Historic St. Mary's City(240) 895-4970 Annetta OhHIGHER EDUCATION COMMISSION, MD(410) 260-4510 Ed Ommert

HUMAN RELATIONS, MD COMMISSION ON(410) 767- 8566 Renee Hickman

HUMAN RESOURCES, DEPT OF(410) 767-7675 James ReddittProcurement Supervisor

Baltimore City Social Services(443) 423-4137 James Whitaker

MARYLAND INSURANCE ADMIN(410) 468-2000 ext. 2374Luci SagerProcurement Officer

MARYLAND EMERGENCY MANAGEMENT(410) 517-3620 Tyrone WalkerSupply Specialist

MARYLAND PUBLIC TELEVISION(410) 581-4037 Donna WitshireDirector of Procurement

MARYLAND STATE LOTTERY AGENCY(410) 230-8789 Robert W. HowellsProcurement Director

MILITARY DEPT(410) 234-3819 Nancy HeveyProcurement Officer

NATURAL RESOURCES, DEPT OF(410) 260-8056Diana RussellAssociate Director Operations

NORTHEAST MD WASTE DISPOSALAUTHORITY(410) 333-2730 Catherine CobleDirector of Finance and Administration

PLANNING, DEPT OF(410) 767-4509 Pam LaceyAdministrative Officer

PUBLIC DEFENDER SYSTEM(410) 767-7839 Nadine MartinPurchasing

PUBLIC SAFETY & CORRECTIONALSERVICES, DEPT OF(410) 339-5026 Bobby JohnsonAssistant Director

(410) 339-5015 BJ Said-PompeyDirector of Procurement

Patuxent Institution(410) 799-7376

Metropolitan Transition Center & BaltimoreRegion Finance Office(410) 234-1815 Pamela Gaskins

Maryland Reception, Diagnostic &Classification Ctr.(410) 234-1814 Pamela Gaskins

Maryland Correctional Adjustment Ctr.(410) 234-1814 Pamela Gaskins

Eastern Correctional Institution(410) 845-4000 ext. 4022 Jayne Dryden

Maryland House of Correction(410) 540-6261 Beverly Smith

Maryland Correctional Institution(410) 540-6261 Beverly Smith(240) 420-3328 Debbie Drewry

Maryland Correctional Institution forWomen(410) 799-5550

Maryland Correctional Pre-Release System(410) 540-6225 Kevin Hunt

Baltimore City Detention CenterJail Industries Bldg.(410) 209-4191 Tracey HarvinDirector

Maryland Correctional Enterprises(410) 540-5419 Betty Green

Maryland State Police(410) 799-2900 ext. 304 Alice ThompsonChief Procurement Officer

PUBLIC SCHOOL CONSTRUCTIONPROGRAM(410) 767-0612 Robert CrocettiDirector

PUBLIC SERVICE COMMISSION(410) 767-8057 Don EvelethDeputy Executive Secretary

RETIREMENT AGENCY, MD STATE(410) 625-5656 Cathie L. Nash

TRANSPORTATION, MD DEPT OF(410) 865-1388 Brian McAllisterManager

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Maryland Aviation Administration(410) 859-7463 Steve KlineProcurement Specialist

State Highway Admin(410) 545-0072 Mark FlackDirector

(410) 545-8800Kirk McClellandDirector, Office of Hwy Dev.

Office of Traffic & Safety(410) 787-7696 Michael Stocker

SHA District #1(410) 543-6715 Donnie Drewer

SHA District #2(410) 810-3210 Terry WrightSHA District #3(301) 513-7311 Brian Young

SHA District #4(410) 229-2300David Malkowski

SHA District #5(410) 841-1001 Lee Starkloff

SHA District #6(301) 729-8400 Anthony Crawford

SHA District #7(301) 624-8102 Dave Coyne

Mass Transit Admin(410) 454-7881 Ron Etzel

Motor Vehicle Admin(410) 768-7354 Walt Bayne

Maryland Port Admin(410) 385-4850 John Thorton

MARYLAND TRANSPORTATION AUTHORITY(FSK Procurement)(410) 537-7814 Linda McGill

TREASURER'S OFFICE, MD STATE(410) 260-7903 Anne Jewell

UNIVERSITY OF MARYLAND SYSTEMBowie State University(301) 860-4212 Steve Jost

Coppin State College(410) 951-3790 Thomas Dawson

Frostburg State University(301) 687-4243Allan Snyder

Salisbury State University(410) 543-6056 Joyce Falkinburg

Towson State University(410) 704-2050 Lucy Slaich

University of Baltimore(410) 837-5714 Blair Blankinship

UMAB(410) 706-8501 Joseph Evans

UMBC(410) 455-2071 John Blecheisen

UMCP(301) 405-3372James Stirling(410) 651-7940 Jackie Collins

UM University College(301) 985-7097 Valerie Rolandelli

VETERANS AFFAIRS, DEPT OF(410) 230-4444 ext. 6460 John Kearns

WORKERS COMPENSATION COMM(410) 864-5256 Christel Surdokas

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Maryland Department of Business andEconomic Development401 E. Pratt St.Baltimore 21202410-767-6300www.choosemaryland.orgChristian S. Johansson, Secretarycjohansson@choosemaryland.org

Anne Arundel Economic DevelopmentCorporation2660 Riva Rd., Ste. 200Annapolis 21401410 222-7410www.aaedc.orgRobert L. Hannon, President and CEOrhannon@aaedc.org

Frederick County Office of EconomicDevelopmentWinchester Hall12 E. Church St.Frederick 21701301-600-1058www.discoverfrederickmd.comLaurie Boyer, Executive Directorlboyer@frederickcountymd.gov

Howard County Economic DevelopmentAuthority6751 Columbia Gateway Dr., Ste. 500Columbia 21046410 313-6500www.hceda.orgLaura A. Neuman, CEOlneuman@hceda.org

Montgomery County Department ofEconomic Development111 Rockville Pike, Ste. 800Rockville 20850240 777-2000www.smartmontgomery.comSteve Silverman, DirectorSteve.silverman@montgomerycountymd.gov

Prince George's County EconomicDevelopment Corporation1100 Mercantile Lane, Ste. 115ALargo 20774301 583-4650www.pgcedc.comGwen S. McCall, President and CEOGSMcCall@pgcedc.com

County Economic Development Offices County Procurement Contacts

Anne Arundel CountyAnne Arundel County - Purchasing Division of Central ServicesPhone: (410) 222-7620

Frederick CountyHarold E. (Hal) Good, Director of Purchasing(301) 600-1047

Howard CountyDarla Herbold, Purchasing Administrator(410) 313-6370

Montgomery CountyOffice of Procurement(240) 777-9900

Prince George's CountyFelicia Whitley(301) 883-6400

Worcester CountyOffice of the County Commissioners(410) 632-1194

Source: Maryland Department of Business and Economic Development

Source: Maryland Department of Business and Economic Development

Source: Maryland Department of Business and Economic Development

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Chambers of Commerce

Statewide

Maryland Chamber of Commercewww.mdchamber.org

Maryland Hispanic Chamber of Commercewww.mdhcc.org

Greater Washington Board of Tradewww.bot.org

Baltimore/Washington Corridor Chamber of Commercewww.baltwashchamber.org

Anne Arundel County

Annapolis & Anne Arundel County Chamber of Commercewww.annapolischamber.com

BWI Business Partnership, Inc.www.bwipartner.org

Greater Crofton Chamber of Commercewww.croftonchamber.com

Greater Severna Park Chamber of Commercewww.severnaparkchamber.com

Northern Anne Arundel County Chamber of Commercewww.naaccc.com

Pasadena Business Associationwww.pasadenabusinessassociation.com

Southern Anne Arundel Chamber of Commercewww.southcounty.org

West Anne Arundel County Chamber of Commercewww.waaccc.org

Frederick County

Frederick County Chamber of Commercewww.frederickchamber.org

Howard County

Howard County Chamber of Commercewww.howardchamber.com

Montgomery County

Montgomery County Chamber of Commercewww.montgomerycountychamber.com

Greater Bethesda-Chevy Chase Chamber of Commercewww.bccchamber.org

Gaithersburg-Germantown Chamber of Commercewww.ggchamber.org

Greater Silver Spring Chamber of Commercewww.silverspringchamber.com

Hispanic Chamber of Commerce of Montgomery Countywww.hccmc.org

Olney Chamber of Commercewww.olneymd.org

Poolesville Area Chamber of Commercewww.pacc.cc

Potomac Chamber of Commercewww.potomacchamber.org

Rockville Chamber of Commercewww.rockvillechamber.org

Wheaton-Kensington Chamber of Commercewww.wkchamber.org

Prince George's County

Prince George's Chamber of Commercewww.pgcoc.org

Prince George's Black Chamber of Commercewww.pgblackchamber.org

Prince George's Hispanic Chamber of Commerce(301) 249-2547, (301) 249-4732

Greater Prince George's Business Roundtablewww.bizroundtable.org

Greater Bowie Chamber of Commercewww.bowiechamber.org

Source: Maryland Chamber of Commerce

SPONSOR • Montgomery College

At a Glance

• Total students annually (credit and noncredit): 60,000• Offers more than 130 areas of study• Located on three campuses in Germantown, Rockville, and Takoma

Park/Silver Spring, plus Workforce Development and ContinuingEducation training centers in Gaithersburg, Wheaton and satellitesites.

• More than 175 nations are represented in the student body, makingMontgomery College Maryland's most culturally diverse institution ofhigher education

Overview

Montgomery College has been changing lives in Montgomery Countyfor more than 60 years. Founded in 1946, the college is nationallyrecognized for the quality of its academic programs in the liberal arts,sciences, business, and technology. Through its credit and noncreditcourses, Montgomery College provides students with the opportunityto earn an associate's degree or certificate, improve work skills, learn anew trade, complete an apprenticeship, or pursue lifelong learning.

Montgomery College faculty and staff provide a supportive learningenvironment and, with courses available online and on campus,students can pursue their education year round. The student/facultyratio is 19:1, which means that students receive personalized attention.

Among the college's signature programs are: Montgomery Scholars, aselective honors program that provides students with a summer studyopportunity at the University of Cambridge in England; the MacklinBusiness Institute Scholars, an honors program for business students;and the Renaissance Scholars, an intensive honors program offered forstudents in the evenings.

Did You Know...?

Montgomery College is the second-largest college in the state in thenumber of undergraduate students.

Montgomery College is the only community college in the nation tooffer internship opportunities for students at the SmithsonianInstitution, the Library of Congress, and the U.S. Holocaust MemorialMuseum.

Montgomery College counts more than 450,000 alumni, many ofwhom are active in the Alumni Association.

Nearly 60 percent of Montgomery County Public School graduates whostay in Maryland for college attend Montgomery College within thefollowing year.

The New York Times recognized Montgomery College as one of thenation's top colleges for preparing students to transfer to four-yearcolleges and universities.

Montgomery College students, faculty, and staff give back to thecommunity by working with 150 nonprofit organizations.

Even in difficult economic times, Montgomery College generates areturn on investment. As many as 90 percent of the College's studentsremain in the state and contribute to economic growth. The collegestrengthens the local economy by $1.8 billion.

Students with an associate degree from Montgomery College willincrease their earnings to $55,800 per year, which is 39 percent morethan the average high school student.

Dr. DeRionne P. PollardPresidentMontgomery College

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Colleges & Universities in MarylandAnne Arundel Community CollegePublic, 2-year institution | Arnoldwww.aacc.eduIn-county Tuition: $2,700**Degree Seeking Undergrads: 17,665*Popular Majors: Transfer Studies, RN Application, BusinessAdministration*

Anne Arundel Community College at ArundelMills University ConsortiumPublic-private regional higher education consortium of six2- and 4-year institutionswww.aacc.edu/aboutaacc/consortiumIn-state Tuition: Varies by institutionDegree Seeking Undergrads: Varies by institution

Bowie State UniversityPublic, 4-year institution | Bowiewww.bowiestate.eduIn-state Tuition/Fees: $6,347Degree Seeking Undergrads: 4,318*Graduate Enrollment: 1,156*Popular Majors: Business/Marketing (22%); Nursing(11%); Communication Media (9%)*Graduate Paths: Employment (66%);Graduate/Professional School (30%)*

Capitol CollegePrivate, 4-year institution | Laurelwww.capitol-college.eduTuition/Fees: $21,194Degree Seeking Undergrads: 350Popular Majors: Engineering (59%); Computer/InformationSciences (29%); Business/Marketing (12%)

Fortis College/InstitutePrivate, 2-year institutionCampuses in Landover, Towson and Baltimorewww.fortis.eduTuition: NRDegree Seeking Undergrads: NRPopular Majors: NR

Frederick Community CollegePublic, 2-year institution | Frederickwww.frederick.eduIn-county Tuition/Fees: $3,691**Degree Seeking Undergrads: 5,573Popular Majors: Liberal Arts (47%); Business/Marketing(18%); Health Professions (17%)

Hood CollegePrivate, 4-year institution | Frederickwww.hood.eduTuition/Fees: $31,060Degree Seeking Undergrads: 1,423*Graduate Enrollment: 948*Popular Majors: Business/Marketing (13%); Biology(11%); Education (11%)

Howard Community CollegePublic, 2-year institutionColumbiawww.howardcc.eduIn-county Tuition/Fees: $3,570**Degree Seeking Undergrads: 8,809Popular Majors: Liberal Arts (51%); Health Professions(23%); Business/Marketing (13%)

Johns Hopkins UniversityPrivate, 4-year institutionBaltimorewww.jhu.eduTuition/Fees: $42,780Degree Seeking Undergrads: 5,047*Graduate Enrollment: 1,924*Popular Majors: Biomedical engineering, public healthstudies, international studies*

Laurel College CenterPublic-private regional higher education consortium ofseven 2- and 4-year institutionsLaurelwww.laurelcollegecenter.orgIn-state Tuition: Varies by institutionDegree Seeking Undergrads: 1,417*Graduate Enrollment: 222*Popular Majors: NR

Lincoln College of TechnologyPrivate, 2- and 4-year institutionColumbiawww.lincolnedu.com/campus/columbia-mdTuition: NRDegree Seeking Undergrads: NRPopular Majors: NR

Montgomery CollegePublic, 2-year institutionCampuses in Germantown, Rockville andTakoma Park-Silver Springwww.montgomerycollege.eduIn-county Tuition/Fees: $4,380*Degree Seeking Undergrads: 26,015Popular Majors: General Studies (33.2%), Arts andSciences (9.1%), Business Administration (8.3%),Business Technologies (6.6%), Engineering (4.7%) *

Mount St. Mary's UniversityPrivate, 4-year institutionEmmitsburgwww.msmary.eduTuition/Fees: $31,536Out-of-state Tuition/Fees: $31,536Degree Seeking Undergrads: 1,777*Graduate Enrollment: 522*Popular Majors: Business/Marketing (30%); SocialSciences (28%); Education (11)*

National Labor CollegePrivate, 4-year institution | Silver Spring | www.nlc.eduIn-state Tuition: $235 per credit hour for AFL-CIO affiliatedunion members; higher for non-members*Degree Seeking Undergrads: 202*Popular Majors: Labor Studies, Business Administration,Construction Management*

Prince George's Community CollegePublic, 2-year institution | Largowww.pgcc.eduIn-county Tuition/Fees: $4,045*Degree Seeking Undergrads: 12,867*Popular Majors: Nursing, General Studies, BusinessAdministration, Business Management, Psychology,Criminal Justice, Computer Information Systems*

SANS Technology InstituteGraduate-level institution offering master of sciencedegrees in information security | Bethesdawww.sans.eduTuition: $34,000 (approx. per degree)*Degree Seeking Undergrads: NAGraduate Enrollment: 55*Popular Majors: MS in Information Security Management;MS in Information Security Engineering

St. John's CollegePrivate, 4-year institution | Annapoliswww.sjca.eduTuition/Fees: $43,656Degree Seeking Undergrads: 463Graduate Enrollment: 75Popular Majors: Liberal Arts (100%)

Tai Sophia InstituteGraduate-level health and wellness institution | Laurelwww.tai.eduTuition: NRDegree Seeking Undergrads: NAGraduate Enrollment: NRPopular Majors: Acupuncture (43.5%); TLSC/AHA (20%);Transformative Leadership (13%)**

TESST College of TechnologyPrivate, 2-year institutionCampuses in Baltimore, Beltsville and Towsonwww.tesst.comTuition: NRDegree Seeking Undergrads: NRPopular Majors: NR

United States Naval AcademyPublic, 4-year institution | Annapoliswww.usna.eduTuition: NADegree Seeking Undergrads: 4,603Popular Majors: Engineering (36%); Social Sciences(27%); Physical Sciences (15%)

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(The) Universities at Shady GrovePublic-private regional higher education consortium ofnine 4-year institutions | Rockvillewww.shadygrove.umd.eduIn-state Tuition: Varies by institutionDegree Seeking Undergrads: 2,500*Graduate Enrollment: 1,500*Popular Majors: Nursing, Education, Biological Sciences,Psychology*

University of Maryland, College ParkPublic, 4-year institutionCollege Parkwww.umd.eduIn-state Tuition/Fees: $8,655Degree Seeking Undergrads: 26,194Graduate Enrollment: 10,719Popular Majors: Social Sciences (21%);Business/Marketing (15%); Biology (9%); Engineering (9%)

University of Maryland University CollegePublic, 2- and 4-year institutionAdelphiwww.umuc.eduIn-state Tuition/Fees: $6,246Degree Seeking Undergrads: 24,771Graduate Enrollment: 13,891Popular Majors: Business/Marketing (39%); Computer andInformation Sciences (21%); Psychology (7%)

Washington Adventist UniversityPrivate 2- and 4-year institutionTakoma Parkwww.wau.eduTuition/Fees: $20,180Degree Seeking Undergrads: 1,125Graduate Enrollment: 125Popular Majors: Health Professions (28%);Business/Marketing (20%); Psychology (14%)

Washington Bible CollegePrivate, 4-year institutionLanhamwww.bible.eduTuition: $11,926*Degree Seeking Undergrads: 303Graduate Enrollment: 250*Popular Majors: NR

Yeshiva College of the Nation's CapitalPrivate, 4-year institution for menSilver Springwww.yeshiva.eduTuition: NRDegree Seeking Undergrads: 55

Sources: All data as reported to The College Board, except as noted below*Reflects data updated by institution**Reflects data updated by institution websiteCommunity college tuition and tuition/fees based on 15 credit hours per semesterNR (not reported)

MARYLAND NATIONALEDUCATIONAL ATTAINMENT (2009)At least some College or an Associate Degree 61.7% 55.6%At least a Bachelor’s Degree 35.2% 29.5%At least a Graduate or Professional Degree 15.4% 10.5%High school graduates who enrolled in college in own state 45.0% 73.0%SAT Scores for High School Seniors (2010)Mean Mathematics Score 506 516Mean Critical Reading Score 501 501Mean Writing Score 495 492Mean Combined Scores 1502 1509HIGHER EDUCATION ENROLLMENTS (2009)% Undergraduate 80.2% 85.1%% Women 58.8% 52.4%% African American 28.3% 13.5%% Hispanic 4.4% 11.9%% Asian 7.1% 6.8%% White 55.6% 63.3%% All Minorities 40.2% 33.2%% Foreign 4.2% 3.5%Distribution of Campus Enrollments (Fall 2009)Public 2-year Institutions 37.8% 34.8%Public 4-year Institutions 45.0% 38.4%Independent Institutions 17.2% 26.9%Projected Increase at Public Campuses (Fall 10 to Fall 18)2 14.4% 7.3%

MARYLAND NATIONALDistribution of Degrees Conferred (2009-2010)Associates Degrees 20.2% 24.3%Bachelor’s Degrees 48.1% 50.5%Master’s Degrees 27.0% 20.2%Doctorate/First Professional Degrees 4.7% 5.0%Average Tuition and Fees for Resident Undergraduates (2009 - 2010)Community Colleges $3,071 $2,137Four-Year Public Institutions $7,249 $6,319Independent Institutions (Maryland State-Aided) $28,483 $22,449State Funding for Higher EducationState Operating Expenses(% change 2008-2009 to 2009-2010) Up 1.0% Down 3.5%State Spending on Student Financial Aid(% change 2008-2009 to 2009-2010) Down 0.3% Up 2.7%

Source(s):The Chronicle of Higher Education, Almanac Issue 2010-2011, August 2010The College Board, State Reports: Maryland, August 2010U.S. Department of Education, National Center for Education Statistics, Projections of Education Statistics to 2018, 2009Notes:1 Projection is from the U.S. Department of Education, National Center for Education Statistics. The estimate includesstudents attending public schools only. Figures forFY2009 and FY2019 are projections.2 The Maryland projection is from the Maryland Higher Education Commission’s Enrollment Projections 2010 - 2019Maryland Public Colleges and Universities report,June 2010 and includes the undergraduate headcount of students enrolling in the state’s four-year public institutions. TheNational projections are from the Chronicle ofHigher Education, Almanac Issue 2010 - 2011.

Comparative Higher Education StatisticsMaryland vs. U.S.

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Average SAT Scores of Incoming Freshman at Public 4-Year InstitutionsINSTITUTION Critical Reading Mathematics Combined Scores 25th Percentile 75th PercentileBowie State University 450 442 892 820 940Coppin State University 433 428 861 790 910Frostburg State University 488 494 982 880 1070Salisbury University 565 573 1138 1050 1210Towson University 536 545 1081 1000 1150University of Baltimore 477 471 948 850 1025University of Maryland - Baltimore County 587 617 1204 1110 1290University of Maryland - College Park 626 657 1283 1220 1380University of Maryland - Eastern Shore 429 428 857 770 920Morgan State University 453 451 904 830 970St. Mary's College of Maryland 617 596 1213 1130 1330Maryland High School Seniors (2010) 501 506 1007High School Seniors, Nationally (2010) 501 516 1017

Source: Maryland Higher Education Commission’s High School Graduation System S-11 Forms, 2010. The College Board, State Reports Maryland, 2010Notes: Data is for incoming freshman in the class of 2009-2010.

Top Majors by DegreeMajor Bachelors Masters Doctorate TotalBusiness 4,965 4,747 56 9,768Social Science 4,221 1,078 123 5,422Education 1,882 3,072 125 5,079Health 1,819 1,286 810 3,915Computer Science 1,544 1,136 64 2,745Biological Science 1,742 573 269 2,584Psychology 1,798 472 60 2,330Engineering 1,198 827 181 2,206Fine Arts 1,422 323 63 1,808Communications 1,587 127 13 1,727

Source: Maryland Higher Education Commission's Degree Information System, 2010Notes: Data is for Maryland 4-Year Institutions for 2009-2010

Top Majors by Degree amongCommunity CollegeTransfer Students

Certificate Associates TotalHealth Technology 2,199 2,330 4,529General Studies 246 3,892 4,138Business & Communication Technology 848 844 1,692Business Administration 1,208 0 1,208Public Service Technology 399 668 1,067

Notes: Data is for 2009-2010Source: Maryland Higher Education Commission's Degree Information System, 2010

K-12 Graduation and Dropout Rates in Maryland Source: Maryland State Department of Education

Top Federal (Non-Military) EmployersNational Institutes of Health 17,842Social Security Administration 13,000Food and Drug Administration 6,443Internal Revenue Service 6,101Census Bureau 4,287National Oceanic and Atmospheric Administration 3,981National Aeronautics and Space Administration 3,171Veterans Administration 3,047Centers for Medicare and Medicaid Services 2,750National Institute of Standards and Technology 2,700

Note: Employment number excludes contractors.Source: Maryland Department of Business and Economic Development, November 2010.

Top Military EmployersFort George G. Meade* 41,000Aberdeen Proving Ground 13,984Naval Air Station Patuxent River 10,965National Naval Medical Center 8,108Joint Base Andrews Naval Air Facility Washington 8,057Fort Detrick** 4,349National Geospatial-Intelligence Agency 3,000Naval Support Facility Indian Head 2,950U.S. Naval Academy/Naval Station Annapolis 2,340National Maritime Intelligence Center 1,724

Note: Employment number includes both uniformed and civilian employees, but excludes contractors.* Fort Meade includes employees of the National Security Agency.** Fort Detrick includes some non-military tenants, such as the National Cancer Institute and the National BiodefenseAnalysis and Countermeasures Center.Source: Maryland Department of Business and Economic Development, November 2010.

Wages & IncomeIndustry Avg. Weekly WageTOTAL $995Government Sector $1,172

Federal Government $1,709State Government $918Local Government $968

Total Private Sector $952Goods-Producing $1,130

Natural Resources and Mining $694Construction $1,039Manufacturing $1,268

Service-Providing $924Trade, Transportation and Utilities $769Information $1,396Financial Activities $1,386Professional and Business Services $1,297Education and Health Services $896Leisure and Hospitality $372Other Services $658

Notes: Maryland workers belong to one of the nation's highest paid workforces. At $58,854 (in 2010), the state boaststhe highest median household income in the country.Source: Maryland Department of Labor, Licensing and Regulation, Office of Workforce Information and Performance.

Federal Government Expenditures andObligations

1985 1990 1995 2000 2005 2010MarylandTotal 34.77 37.81 45.21 50.53 66.72 86.63Salaries & Wages 7.92 8.46 8.77 10.22 10.79 13.54Procurement 11.14 9.28 11.10 12.04 21.84 23.87Direct Payments 12.15 15.96 19.39 19.72 25.44 36.23Grants 3.56 4.11 5.94 8.55 8.64 13.00

Anne Arundel CountyTotal 3.79 2.90 3.30 3.83 5.34 6.65Salaries & Wages 0.84 0.75 0.74 0.89 1.08 1.45Procurement 1.41 0.58 0.67 0.83 1.78 1.73Direct Payments 0.89 1.11 1.48 1.69 2.08 2.56Grants 0.65 0.45 0.41 0.42 0.40 0.91

Howard CountyTotal 0.63 0.75 0.76 1.00 1.37 2.71Salaries & Wages 0.02 0.03 0.04 0.05 0.07 0.05Procurement 0.40 0.42 0.27 0.37 0.55 1.76Direct Payments 0.19 0.27 0.38 0.49 0.62 0.78Grants 0.02 0.03 0.07 0.08 0.12 0.13

Frederick CountyTotal 0.53 0.57 0.74 1.01 2.07 2.14Salaries & Wages 0.15 0.15 0.15 0.22 0.23 0.22Procurement 0.08 0.06 0.08 0.18 0.93 1.04Direct Payments 0.28 0.32 0.40 0.51 0.65 0.78Grants 0.02 0.05 0.10 0.10 0.26 0.10

Montgomery CountyTotal 8.11 8.11 10.38 11.56 15.66 16.74Salaries & Wages 2.46 2.60 3.08 3.59 3.59 4.15Procurement 3.38 2.70 4.05 4.27 7.68 7.41Direct Payments 1.89 2.34 2.50 2.82 3.15 3.75Grants 0.37 0.47 0.75 0.89 1.24 1.42

Prince George's CountyTotal 4.75 6.11 7.40 8.18 10.74 11.24Salaries & Wages 1.44 1.77 1.74 2.24 2.37 2.54Procurement 1.55 2.06 2.94 2.61 4.56 3.99Direct Payments 1.53 1.87 2.17 2.58 3.03 3.83Grants 0.23 0.41 0.55 0.74 0.79 0.89

CONSTANT 2005$ (FY1983-FY2010)Source: Maryland Department of PlanningNotes: Billions in constant 2005 $, FY1985-FY2010

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NTAnnual Change in Federal Expenditures in Maryland and the U.S.

Total Federal Expenditures in Suburban Maryland

Federal Government Expenditures by Category

Notes: Data is for FY2010 in billions in constant 2005$ Source: Maryland Department of Planning

Notes: Amounts are per capita by state for FY2010; top 15 states shown. Source: U.S. Census Bureau

Notes: Percentages calculated from constant 2005$ Source: Maryland Department of Planning

MARKET FACTS 2012 • Special Advertising Publication 23

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Rank Health Outcomes1 Howard

2 Montgomery

3 Frederick

4 Queen Anne's

5 Carroll

6 Calvert

7 Talbot

8 St. Mary's

9 Harford

10 Anne Arundel

11 Charles

12 Garrett

Rank Health Outcomes13 Washington

14 Worcester

15 Baltimore

16 Kent

17 Prince George's

18 Cecil

19 Caroline

20 Wicomico

21 Somerset

22 Dorchester

23 Allegany

24 Baltimore City

Health Outcomes in Maryland Counties

Employment and Payroll Data by Health Care Sector

Occupational Projections for Select Health Care Occupations

Notes: Data is for CY 2008-2010 Source: Governor's Workforce Investment Board, Nov. 2011

Notes: Data is for CY 2008-2010Source: Governor's Workforce Investment Board, Nov. 2011

Health Insurance Coverage

Notes: Data is for 2009-2010 Source: The Henry J. Kaiser Family Foundation Notes: The summary of health outcomes ranking is based on measures of mortality and morbidity.Source: 2011 Robert Wood Johnson Foundation/University of Wisconsin “County Health Rankings”

OCCUPATON ESTIMATED 2008 EMPLOYMENT REPLACEMENT OPENINGS GROWTH OPENINGS GROWTH RATE

Family and general practitioners 3,040 535 465 15.3%

Internists, general 1,055 185 160 15.2%

Obstetricians and gynecologists 255 45 35 13.7%

Pediatricians, genenral 540 95 80 14.8%

Physician Assistants 2,285 415 665 29.1%

Total 7,175 1,275 1,405 19.5%

INDUSTRY SECTOR JOBS IN Q4, 2008 JOBS IN Q4, 2009 JOBS IN Q4, 2010 EMPLOYMENT CHANGE, EMPLOYMENT CHANGE (%), Q4Q4 2008 TO Q4, 2010 2008 TO Q4, 2010

Ambulatory health care services 103,381 108,500 112,234 8,853 8.6

Offices of physicians

(Subset of Ambulatory Health Care) 45,241 46,666 47,301 2,060 4.6

Hospitals 108,848 111,580 110,959 2,111 1.9

Nursing and residential care facilities 68,452 70,360 71,312 2,860 4.2

Total—Health Care Sector 280,681 290,440 294,505 13,824 4.9

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Suburban Maryland Hospitals

Anne Arundel Medical Center2001 Medical ParkwayAnnapolis, MD, 21401www.aahs.org

Doctors Community Hospital8118 Good Luck RdLanham, MD, 20706www.DCHweb.org

Fort Washington Hospital11711 Livingston RdFt. Washington, MD, 20744www.fortwashingtonmc.org

Frederick Memorial Hospital400 W Seventh StFrederick, MD, 21701www.fmh.org

Holy Cross Hospital1500 Forest Glen RdSilver Spring, MD, 20910www.holycrosshealth.org

Howard County General Hospital5755 Cedar LaneColumbia, MD, 21044www.hcgh.org

Laurel Regional Hospital7300 Van Dusen RdLaurel, MD, 20707www.dimensionshealth.org

Montgomery General Hospital18101 Prince Philip DriveOlney, MD, 20832www.montgomerygeneral.com

Prince George s Hospital Center3001 Hospital DriveCheverly, MD, 20785www.dimensionshealth.org

Shady Grove Adventist Hospital9901 Medical Center DrRockville, MD, 20850www.adventisthealthcare.com/SGAH

Southern Maryland Hospital Center7503 Surratts RdClinton, MD, 20735www.southernmarylandhospital.com

Suburban Hospital8600 Old Georgetown RdBethesda, MD, 20814www.suburbanhospital.org

Washington Adventist Hospital7600 Carroll AveTakoma Park, MD, 20912www.WashingtonAdventistHospital.com

Source: Maryland Hospital Association

Source: United Health Foundation, America’s Health Ranking ® 2011

Maryland Health Highlights

Tourism Tax Revenues Tourism: A Revenue GeneratorThe travel and tourism economy and its impact in Maryland

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County FY 2010 Tourism FY 2011 TourismSales Tax Codes Sales Tax Codes % Change

Allegany $3,305,070 $3,380,667 2.3%Garrett $2,513,526 $2,702,940 7.5%Washington $6,738,317 $6,822,661 1.3%WESTERN REGION $12,556,913 $12,906,268 2.8%Frederick $9,699,695 $10,020,992 3.3%Montgomery $59,329,241 $64,314,882 8.4%Prince George's $48,096,828 $49,012,387 1.9%CAPITAL REGION $117,125,763 $123,348,260 5.3%Anne Arundel $49,686,459 $52,871,791 6.4%Baltimore City $39,759,851 $42,110,826 5.9%Baltimore County $36,682,897 $38,285,763 4.4%Carroll $4,466,475 $4,700,122 5.2%Harford $8,786,771 $9,576,229 9.0%Howard $13,805,163 $14,720,681 6.6%CENTRAL REGION $153,187,615 $162,265,411 5.9%Calvert $3,042,171 $2,956,807 -2.8%Charles $6,637,644 $6,905,455 4.0%St. Mary's $4,205,954 $3,978,151 -5.4%SOUTHERN REGION $13,885,768 $13,840,413 -0.3%Caroline $493,634 $554,266 12.3%Cecil $3,256,089 $3,415,322 4.9%Dorchester $2,514,928 $2,582,163 2.7%Kent $763,171 $704,309 -7.7%Queen Anne's $2,058,130 $2,117,762 2.9%Somerset $330,916 $362,896 9.7%Talbot $3,240,158 $3,402,929 5.0%Wicomico $4,824,235 $5,056,238 4.8%Worcester* $20,949,850 $21,849,942 4.3%EASTERN SHORE $38,431,111 $40,045,826 4.2%

*Includes Ocean CityNotes: Tourism sales and use tax codes are adjusted for tourism factor.Source: Comptroller of Maryland

Total Trip Spending Profile by RegionVisitors spend more than $567 million annually during trips to Maryland State Parks.

Maryland Park Service580 Taylor AvenueAnnapolis 21401877-620-88367www.dnr.state.md.us/publiclands

Anne Arundel County Department ofRecreation & Parks44 Calvert StreetAnnapolis 21401410-222-7000www.aacounty.org/RecParks

Frederick County Parks & Recreation118 North Market StreetFrederick 21701301-600-1646www.frederickcountymd.gov

Howard County Department of Recreation& Parks7120 Oakland Mills RoadColumbia 21046-1677410-313-4700www.co.ho.md.us

Montgomery County Department of Parks9500 Brunett AvenueSilver Spring 20901301-495-2595www.montgomeryparks.org

Montgomery County Department ofRecreation4010 Randolph RoadSilver Spring 20902240-777-6804www.montgomerycountymd.gov

Prince George's County Department ofParks and Recreation6600 Kenilworth AvenueRiverdale 20737301-699-2255www.pgparks.com

Parks & Recreation Contacts in Suburban Maryland

Visitor Spending

Notes: Data is for FY 2011Source: Maryland Office of Tourism

Source: Maryland Office of Tourism Development

Direct Economic Impact of ArtsOperations

Region Gross Sales Employee Income Employment FTE Jobs

Central 533,370,461 216,776,753 5,823

Lower Eastern Shore 10,680,640 3,679,199 96

Southern 7,019,491 2,002,196 65

Upper Eastern Shore 30,812,961 9,337,243 284

Capital 388,265,619 141,444,519 4,068

Western 30,853,223 11,385,253 335

Total 1,001,002,395 384,625,164 10,671

Region Gross Sales Employee Income Employment FTE Jobs

Central 126,904,833 58,314,039 1,667

Lower Eastern Shore 2,873,760 1,023,147 19

Southern 1,153,205 214,095 2

Upper Eastern Shore 5,882,893 1,473,023 22

Capital 68,066,522 27,784,050 687

Western 4,571,306 1,975,398 53

Total 209,452,519 90,783,752 2,449

County Arts Councilsin Suburban Marland

Anne Arundel County: Arts Council of Anne Arundel Countywww.annearundelartscouncil.org

Frederick Arts Council, Inc.www.frederickartscouncil.org

Howard County Arts Councilwww.hocoarts.org

Arts and Humanities Council of Montgomery Countywww.creativemoco.com

Prince George's Arts and Humanities Councilhttp://pgac2.wordpress.com

Notes: Data is for FY 2010Source: Maryland State Arts Council

Notes: Data is for FY2010Source: Maryland State Arts Council

Total Impact of Arts Audiences

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LEISURE, HOSPITALITY & ARTS MARKET FACTS 2012 • Special Advertising Publication 27

Maryland always has been a global leader in biotechnology andlife sciences. Home to one of the two largest life science clusters inAmerica, with almost 600 companies, 50 research-intense federalInstitutions, including FDA, NIH, and NIST, and 16 universities andcolleges, Maryland is well positioned to lead the global bioscienceindustry and is recognized as one of the top states for biotechnologydevelopment. Breakthroughs are part of our culture.

The Maryland Biotechnology Center, an office within Maryland'sDepartment of Business and Economic Development, supports thecontinued growth of this vibrant industry through a variety of initiativesand programs. If you're working in the biotechnology industry orare interested in learning more about opportunities in thisexciting business sector, please visit the Maryland BiotechnologyCenter at our Rockville or Baltimore locations.

We can help you:• Gain feedback on your business plan, access to marketing

research, and other resources essential for your strategic planning;• Learn more about the Biotechnology Incentive Investment Tax

Credit, the Biotechnology Commercialization and TranslationalResearch Awards, InvestMD, ExportMD, and other financing toolsavailable through the state and our partner organizations;

• Gain visibility for your firm and your innovative technologies;• Meet potential business partners and academic collaborators;• Learn about the many education and training opportunities in

biotechnology, biotechnology entrepreneurship, technologytransfer, and business management available throughout thestate.

Please stop by our office or give us a call. We look forward to helpingyou turn your RESEARCH to REALITY…to REVENUES!

…Breakthroughs are part of our culture!

MARYLAND BIOTECHNOLOGY CENTER401 E. Pratt Street, 7th Floor

Baltimore, MD 21202410.767.0505 | 410.333.6608 Fax

9700 Great Seneca HighwayRockville, MD 20850

301.762.9214 | 301.762.4577 Fax

www.marylandbiocenter.org

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28 Special Advertising Publication • MARKET FACTS 2012 LIFE SCIENCES & TECHNOLOGY

Top Bioscience EmployersMedImmune** Pharmaceutical R&D and mfg.Westat* Contract research & surveysSAIC Life Sciences R&D in biotechnologyBD Diagnostics Medical & scientific equipmentHuman Genome Sciences* Diagnostic substancesQIAGEN** Sample & assay technologiesU.S. Pharmacopeia* Medicines & healthcare products standards settingOtsuka America Pharmaceutical** Biopharmaceuticals R&DBioReliance* R&D in biotechnologyLonza Walkersville Biological media, cultures & reagents manufacturing

* Company headquartered in Maryland.** Foreign-owned company with U.S. headquarters in Maryland.Source: Maryland Department of Business and Economic Development, December 2009.

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Maryland Private Life Sciences by Sub-group2010

Sub-groupEmployment Average

Annual SalaryFacilities

Average Jobsper FacilityJobs Share

Agricultural Feedstock and Chemicals 256 0.8% $63,780 22 12Drugs and Pharmaceu cals 6,574 19.6% $102,084 65 101Medical Devices and Equipment 1,962 5.8% $67,612 86 23Research, Tes ng and Medical Laboratories 24,810 73.8% $90,239 1,579 16Private Life Sciences Total 33,602 -- $91,034 1,752 19Note: Components may not sum to totals due to rounding.Source: DBED analysis on data from the Maryland Department of Labor, Licensing and Regulation

Federal Life Sciences Research &Support Facilities in Maryland

Top Recipients of NIH Funding

Maryland Private Life Sciences State Economic Impact

Maryland Private Life Science Sectors State Economic Impact

Notes: Data is for 2010Source: Maryland Department of Business and Economic Development

Notes: Data is for 2010 Source: Maryland Department of Business and Economic Development

Notes: Data is for 2010Source: Maryland Department of Business and Economic Development

Notes: Data is for 2010Source: Maryland Department of Business and Economic Development

Maryland High Tech Firms on Deloitte's 2011 Technology Fast 500™

Rank Company Name Primary Industry % Growth City CEO Name Website22 Zenoss, Inc. Software 8096% Annapolis Bill Karpovich www.zenoss.com53 Vapotherm, Inc. Medical equipment 2272% Stevensville Robert Storey www.vtherm.com160 Motionsoft Software 627% Rockville Al Noshirvani www.motionsoft.net215 BoxTone Software 433% Columbia Alan Snyder www.boxtone.com261 Tenable Network Security Software 337% Columbia Ron Gula www.tenable.com284 Techno-Sciences, Inc. Communications/networking 300% Beltsville Jean-Luc Abaziou www.technosci.com314 Viamericas Corp. Software 271% Bethesda Paul S. Dwyer, Jr. www.viamericas.com323 WealthEngine, Inc. Internet 261% Bethesda Tony Glowacki www.wealthengine.com377 TeleCommunication Systems, Inc. Software 211% Annapolis Maurice B. Tosé www.telecomsys.com402 Sourcefire, Inc. Software 191% Columbia John Burris www.sourcefire.com438 Welocalize Communications/networking 167% Frederick E. Smith Yewell www.welocalize.com454 BroadSoft, Inc. Software 160% Gaithersburg Michael Tessler www.broadsoft.com489 Vocus, Inc. Software 140% Lanham Rick Rudman www.vocus.com

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Age Distribution of Maryland Facebook Users Gender Distribution of Maryland Facebook Users

Estimated Foregone Sales Tax Revenue from Remote Sales

Notes: 2010 figures are in millions of dollars Source: Comptroller of Maryland

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Residential Real Estate Activity

United States 2008 2009 2010

Total Permits (year-to-date) 892,771 572,232 598,033

% Chg Year Ago -35.3% -35.9% 4.5%

Single Family Housing Permits 569,873 435,095 446,640

% Chg Year Ago -414.% -23.7% 2.7%

Multi Family Housing Permits 322,898 137,137 151,393

% Chg Year Ago -20.7% -57.5% 10.4%

Maryland 2008 2009 2010

Total Permits (year-to-date) 13,976 11,085 12,183

% Chg Year Ago -29.9% -20.7% 9.9%

Single Family Housing Permits 8,675 7,975 8,403

% Chg Year Ago -38.0% -8.1% 5.4%

Multi Family Housing Permits 5,301 3,110 3,780

% Chg Year Ago -11.0% -41.3% 21.5%

NSA = Not Seasonally AdjustedSource: Bureau of Census, National Association of Realtors (Haver Analytics)

Created 11/21/2011 3:31:09 PM

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MARKET FACTS 2012 • Special Advertising Publication 31

Selected Housing Characteristics in Suburban MarylandSubject Anne Arundel County Frederick County Howard County Montgomery County Prince George's County

Estimate Percent Estimate Percent Estimate Percent Estimate Percent Estimate PercentHOUSING OCCUPANCYTotal housing units 212,791 212,791 90,301 90,301 109,602 109,602 376,023 376,023 328,397 328,397Occupied housing units 197,569 92.8% 83,964 93.0% 105,358 96.1% 359,476 95.6% 301,923 91.9%Vacant housing units 15,222 7.2% 6,337 7.0% 4,244 3.9% 16,547 4.4% 26,474 8.1%

YEAR STRUCTURE BUILTTotal housing units 212,791 212,791 90,301 90,301 109,602 109,602 376,023 376,023 328,397 328,397Built 2005 or later 10,586 5.0% 5,554 6.2% 7,544 6.9% 16,890 4.5% 16,712 5.1%Built 2000 to 2004 19,406 9.1% 11,290 12.5% 9,725 8.9% 25,256 6.7% 22,262 6.8%Built 1990 to 1999 36,491 17.1% 21,659 24.0% 24,959 22.8% 46,142 12.3% 42,978 13.1%Built 1980 to 1989 32,839 15.4% 15,300 16.9% 25,673 23.4% 85,165 22.6% 42,109 12.8%Built 1970 to 1979 36,635 17.2% 12,429 13.8% 21,444 19.6% 62,942 16.7% 56,999 17.4%Built 1960 to 1969 29,188 13.7% 5,371 5.9% 10,429 9.5% 57,432 15.3% 69,085 21.0%Built 1950 to 1959 25,197 11.8% 5,328 5.9% 3,781 3.4% 46,205 12.3% 42,403 12.9%Built 1940 to 1949 10,033 4.7% 2,067 2.3% 2,480 2.3% 19,389 5.2% 21,005 6.4%Built 1939 or earlier 12,416 5.8% 11,303 12.5% 3,567 3.3% 16,602 4.4% 14,844 4.5%

VALUEOwner-occupied units 146,744 146,744 63,392 63,392 77,574 77,574 238,022 238,022 189,330 189,330Less than $50,000 4,505 3.1% 743 1.2% 634 0.8% 1,800 0.8% 3,378 1.8%$50,000 to $99,999 1,290 0.9% 760 1.2% 978 1.3% 2,240 0.9% 2,994 1.6%$100,000 to $149,999 3,383 2.3% 2,132 3.4% 715 0.9% 4,056 1.7% 9,381 5.0%$150,000 to $199,999 6,713 4.6% 5,994 9.5% 2,755 3.6% 9,939 4.2% 22,281 11.8%$200,000 to $299,999 42,210 28.8% 19,793 31.2% 14,150 18.2% 33,032 13.9% 66,508 35.1%$300,000 to $499,999 53,198 36.3% 25,563 40.3% 30,714 39.6% 88,356 37.1% 69,932 36.9%$500,000 to $999,999 30,308 20.7% 7,884 12.4% 25,646 33.1% 79,150 33.3% 13,971 7.4%$1,000,000 or more 5,137 3.5% 523 0.8% 1,982 2.6% 19,449 8.2% 885 0.5%Median (dollars) 343,400 (X) 314,300 (X) 415,400 (X) 447,200 (X) 286,100 (X)

MORTGAGE STATUSOwner-occupied units 146,744 146,744 63,392 63,392 77,574 77,574 238,022 238,022 189,330 189,330Housing units with a mortgage 116,155 79.2% 51,770 81.7% 63,826 82.3% 188,428 79.2% 159,460 84.2%Housing units without a mortgage 30,589 20.8% 11,622 18.3% 13,748 17.7% 49,594 20.8% 29,870 15.8%

Source: 2010 American Community Survey

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