Unlock the Value of your Home

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					          The NaTioNal CapiTal BaNk                                         Fall 2011

Bank Notes
                                                                         In This Issue:
Unlock the Value of                                                       Unlock the Value
your Home                                                                  of Your Home
Be Prepared for the unexpected with a
                                                                         Chairman’s Message
Home Equity Line of Credit
                                                                         Hillrag Crossword
Whether life’s expenses are expected or unexpected, you can be                  •••
prepared with a Home Equity Line of Credit. Our flexible line of
credit offers you a smart way to access the funds needed to finance
those purchases that are important to you. Use it as you need to make     Appreciation Day
repairs, pay for your child’s tuition or consolidate higher-interest         October 31
loans and credit cards to save on interest.                                     •••
Some features of our Home Equity Line of Credit include:                   NCB Spotlight
 • Variable rate that is currently equal to 5% APR*                         Jim Thompson
 • Potential tax break on interest payments                                Kirk Birdsong
   (ask your tax advisor for complete details)
 • Fast turnaround time                                                         •••
 • No out of pocket expenses - NCB picks up the tab for all              Capital Kids’ Club
   appraisals, title work and other costs associated with opening your
   HELOC account**                                                              •••
                                                                          Our Investment
Take advantage of accumulated equity in your home now by opening
a flexible line of credit with NCB. For more information, call a real
estate lending specialist at (202) 546-8000.                               Is Moving!

* The variable rate is equal to the Wall Street Journal Prime Rate
minus .50%. The APR varies monthly. The maximum APR is 18%.
The minimum APR is 5%.

** If the line is closed within three years, the Customer will be
responsible for closing costs, generally totaling between $927.00
and $5,672.00. Adequate property insurance is required. This offer is
subject to change at any time.
    I recently had a customer tell me that National Capital Bank is one of the best
    kept secrets in Washington, D.C. I was both flattered and conflicted by that
    statement. As one of the safest and most stable banks in the Metro D.C. area,
    we want to continue to spread the word about the quality of banking we offer.

    Recently the metro-area has seen mergers and buyouts from both a national
    and community bank perspective. These changes have undoubtedly disrupted
    the stability and ease of use that their customers have come to expect.

    If your neighbors, family or friends are experiencing these transitions and aren’t pleased with their new
    banking experiences, please spread the good news about NCB. As Washington’s Oldest and Safest Bank,
    we want to offer our financial services to a larger banking family. And we promise to keep true to
    everything you’ve come to expect from us.

                                                                 Richard A. Didden
                                                                 Richard A. Didden
                                                                 Chairman and CEO
Y                                                                                                               Y

    HillRag                                                      Appreciation Day
    Crossword                                                    October 31
    NCB is excited to announce our sponsorship of                NCB’s annual Customer Appreciation Day is
    the HillRag’s new crossword feature! Puzzle                  coming up on October 31st and it’s sure to be the
    solvers can find the answers to the crossword                cat’s meow! Our bank employees will be dressed
    on the NCB website. Simply click the link                    to the nines in top hats, tails, string pearls, and
    at the bottom of the NCB homepage for the                    more spiffy garb from the Roaring Twenties.
    monthly solution. Happy Crosswording!                        So, don’t be a wet blanket! Come help us put on
                                                                 the Ritz at both locations with fun activities and
                                                                 giveaways that people are sure to beat their gums
                                                                 about for a long time.
NCB Spotlight
                          Jim Thompson has worked                                         Kirk Birdsong’s employment
                           in almost every Department of                                  with NCB spans almost two
                           National Capital Bank since he                                 decades. He came to the
                           was hired as a Teller Trainee                                  Friendship Heights Branch in
                           41 years ago. Currently, he                                    1994 and has been working in
                           supervises the majority of                                     the same location for the last 17
                           the Bank’s Corporate Cash                                      years. Prior to that, he worked as
                           Management Services,                                           Teller Supervisor for the Citizens
                           including Lockbox, Wire                                        Bank Group, formerly the
                           Transfer, ACH Services and                                     Citizens Bank of Maryland.
                           Positive Pay. Throughout his
       James H.            career he has enjoyed working           Kirk Birdsong           Kirk currently serves as a
    Thompson III           with management and staff                                       Banking Officer, and assists in
                           who share a common goal of                                      the day to day operations of the
providing the Bank’s customers with the best banking           Branch. He is also a District of Columbia Notary Public,
experience possible. Says Jim, “I really enjoy talking with    and a member of the Friendship Heights Rotary Club where
new and existing customers about the Bank’s products and       he has served as Treasurer for the past six years. Recently,
services that can help them with their growing business. I     he was awarded “Rotarian of the Year” for his six years of
can’t imagine working for any other financial institution.”    service to the club, a very high honor and all of us at NCB
                                                               are proud of his recognition.
Jim Thompson has also served on the Federal Reserve
Bank of Richmond’s Operations Advisory Committee,              Kirk’s civic duties include serving as Sergeant-at-Arms for
and is currently the Treasurer for both the board of the       the American Legion in Laurel, Maryland, and as a member
Mid-Atlantic Payments Association and the Rotary Club          of the Post’s marching Color Guard. He is also a licensed
of Capitol Hill. We are proud that Jim was honored this        life/health insurance agent and private pilot.
year with the Paul Harris Fellow Award from the Rotary
Club. Jim loves spending as much time as possible with         Kirk has raised four children with his wife, Betsy. They live
his two sons and their families, and playing a good game       in Laurel, Maryland.
of softball or beach volleyball.

                               The Capital Kids’ Club is a special account designed to teach children the value
                               of saving - while having fun! At National Capital Bank, we know that being smart with
                               your money is important for grown-ups and children alike. Capital Kids’ Club members
                               receive their very own activity book, stickers, and official membership card. They can
                               also learn fun facts about the fish in our newly renovated fresh water tank in the lobby of
                               the Main Office.

Our new and improved tank now holds over 150 different fish and other underwater critters. Built to resemble a
“flooded rainforest,” the tank will be supplemented with signs and booklets describing the fish and their environment.
You can now admire the fish and be “schooled” in their aquatic habitat as well!

Visit National Capital Bank with your children and help them learn smart money management today.
Our Investment
Department Is Moving!
We’re very excited to announce that our Investment Department will be expanding
and moving to the 4th floor of our Main Office building. As many of you know,
we started the Investment Department in 1998 and currently R. Andrew Didden, Jr.
is the Investment Adviser Representative. Last year we added Melissa Hennessy to
the department staff and in the near future we hope to increase our team to provide
expanded services for our customers.

To reach us in Suite 402, simply enter the NCB Office building one door down from
the Bank’s main entrance. Take the elevator to the 4th floor and look for Suite 402.
Our email addresses, phone and fax numbers will remain the same.

Give us a call today at 202-546-9310 or stop by our expanded facilities to learn more
about our individually tailored financial planning sevices.

Securities and investment advisory services offered through Financial Network Investment Corporation, member SIPC. Financial Network is not
affiliated with The National Capital Bank of Washington. Mutual funds, annuities and other investments available through Financial Network
Investment Corporation are not deposits, are not insured by the FDIC or any other regulatory agency, and are not obligations of or guaranteed
by The National Capital Bank of Washington or any other affiliated entity. Returns on such investments will fluctuate and investments are subject
to risks, including the possible loss of principal.

                                                                                                                         on October 31!
                                                                                           Customer Appreciation Day
                                                                                                                              Join us for

                                                                                     5228 44th Street, NW, Washington, DC 20015-2102
                                                                                     316 Pennsylvania Avenue, SE, Washington, DC 20003-1146

                                                                                      Washington’s Oldest Bank