--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

LOAN NUMBER LOAN NAME ACCT. NUMBER AGREEMENT DATE INITIALS  
WidePoint Corporation   08/16/07  
NOTE AMOUNT INDEX (w/Margin) RATE MATURITY DATE LOAN PURPOSE
$2,000,000.00 Wall Street Journal 8.0% 09/01/08 Commercial   Prime minus 0.25%  
       
Creditor Use Only    

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

COMMERCIAL LOAN AGREEMENT
Accounts Receivable and/or Inventory Financing

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

DATE AND PARTIES. The date of this Commercial Loan Agreement (Agreement) is
August 16, 2007. The parties and their addresses are as follows:

  LENDER:

  CARDINAL BANK
8270 Greensboro Drive
Suite 500
McLean, Virginia 22102

  BORROWER:

  WIDEPOINT CORPORATION
a Delaware Corporation
One Lincoln Centre
18W140 Butterfield Road, Suite 1100
Oakbrook Terrace, Illinois 60181

  WIDEPOINT IL, INC.
an Illinois Corporation
One Lincoln Centre
18W140 Butterfield Road, Suite 1100
Oakbrook Terrace, Illinois 60181

  WP NBIL, INC.
an Illinois Corporation
One Lincoln Centre
18W140 Butterfield Road, Suite 1100
Oakbrook Terrace, Illinois 60181

  CHESAPEAKE GOVERNMENT TECHNOLOGIES, INC.
a Delaware Corporation
One Lincoln Centre
18W140 Butterfield Road, Suite 1100
Oakbrook Terrace, Illinois 60181

  OPERATIONAL RESEARCH CONSULTANTS, INC.
a Virginia Corporation
11250 Waples Mills, South Tower
Suite 250
Fairfax, Virginia 22030

1.     DEFINITIONS. For the purposes of this Agreement, the following terms have
the following meanings.

  A.        Accounting Terms. In this Agreement, any accounting terms that are
not specifically defined will have their customary meanings under generally
accepted accounting principles.

  B.        Insiders. Insiders include those defined as insiders by the United
States Bankruptcy Code, as amended; or to the extent left undefined, include
without limitation any officer, employee, stockholder or member, director,
partner, or any immediate family member of any of the foregoing, or any person
or entity which, directly or indirectly, controls, is controlled by or is under
common control with me.

  C.        Loan. The Loan refers to this transaction generally, including
obligations and duties arising from the terms of all documents prepared or
submitted for this transaction.

  D.        Pronouns. The pronouns "I", "me" and "my" refer to every Borrower
signing this Agreement, individually or together, and their heirs, successors
and assigns. "You" and "your" refers to the Loan's lender, any participants or
syndicators, or any person or company that acquires an interest in the Loan and
their successors and assigns.

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

WidePoint Corporation     Virginia Commercial Loan Agreement   Initials ______ 
VA/4HancockD00725200004266019080607Y -1996 Bankers Systems, Inc., St. Cloud, MN
C Page 1

--------------------------------------------------------------------------------

  E.        Property. Property is any property, real, personal or intangible,
that secures my performance of the obligations of this Loan.

  F.        Asset-Based Financing Definitions. For the purposes of this
Agreement, the following terms will have the following meanings.

  (1)        Account Debtors. Account Debtors are persons who are obligated on
the Accounts Receivable.

  (2)        Account Guarantors. Account Guarantors are persons who have
guarantied certain Accounts Receivable.

  (3)        Accounts Receivable. Accounts Receivable will include all of the
following.

  (a)        Accounts and Other Rights to Payment. All rights I have now or in
the future to payments including, but not limited to, payment for goods and
other property sold or leased or for services rendered, whether or not I have
earned such payment by performance. This includes any rights and interests
(including all guaranties, standby letters of credit, liens and security
interests) which I may have by law or agreement against any Account Debtor.

  (b)        General Intangibles. All general intangibles including, but not
limited to, tax refunds, applications for patents, patents, copyrights,
trademarks, trade secrets, good will, trade names, customer lists, permits and
franchises, and the right to use my name.

  (c)        Proceeds. All proceeds from the disposition or collection of
Accounts Receivable.

  (4)        Eligible Accounts Receivable. Eligible Accounts Receivable include
all of my Accounts Receivable that are and continue to be acceptable to you in
all respects. Criteria for eligibility may be revised by you at any time.
Eligible Accounts Receivable exclude all of the following Accounts Receivable:
the entire balance of any Accounts Receivable that has been due and owing for
more than 90 days from the invoice dates; all of the remaining Accounts
Receivable owed by an Account Debtor when this Account Debtor is overdue on one
account; and those which you in your sole discretion disqualify as an Eligible
Account. Except in such case where Accounts Receivable are disqualified in
relation to payments not received within 90 days of the invoice date, Lender
shall provide written notification to Borrower prior to revising the criteria
for eligibility, or prior to otherwise disqualifying Accounts Receivable.

  (5)        Inventory. Inventory includes all inventory which I hold for
ultimate sale or lease, or which has been or will be supplied under contracts of
service, or which are raw materials, work in process, or materials used or
consumed in my business.

  (6)        Eligible Inventory. Eligible Inventory includes all of my Inventory
that is and continues to be acceptable to you in all respects. Criteria for
eligibility may be revised by you at any time. Eligible Inventory excludes all
Inventory that I do not own or that is subject to a competing claim, lien or
encumbrance or that which you in your sole discretion disqualify as Eligible
Inventory.

  (7)        Value of Eligible Inventory. The Value of Eligible Inventory is the
lower of the Eligible Inventory's cost or fair market value as determined by
consistently applied generally accepted accounting principles under the and any
additional written valuation guidelines you provide me.

  (8)        Overadvance. An Overadvance is made when advances exceed the
maximum outstanding Principal balance.

2.     ADVANCES. Advances under this Agreement are made according to the
following terms and conditions.

  A.        Asset Based Financing - Revolving Draw. In accordance with the terms
of this Agreement and other Loan documents, you will provide me with a revolving
draw note and the maximum outstanding principal balance will be the lesser of
$2,000,000.00 (Principal) or the Borrowing Base. The Borrowing Base is the sum
of the following amounts.

  (1)        80 percent of Eligible Accounts Receivable.

  (2)        0.00 percent of the Value of Eligible Inventory, not to exceed
$0.00.

  As long as I owe any amounts to you under the Loan, I will calculate this
Borrowing Base as of the close of my business day at the end of each month when
line is in use, and within 25 busines days, and I will provide you with a
Borrowing Base Certificate containing an assignment of any Accounts Receivable
and Inventory. The Borrowing Base Certificate will be in form and substance
acceptable to you, will contain my Borrowing Base calculation and will be
certified and signed by me or my officer. My calculation of my Borrowing Base is
subject to your confirmation or redetermination. Your calculation of the
Borrowing Base will be the final determination when your calculation of the
Borrowing Base ratio differs from mine.

  B.        Requests for Advances. My requests are a warranty that I am in
compliance with all the Loan documents. When required by you for a particular
method of advance, my requests for an advance must specify the requested amount
and the date and be accompanied with any agreements, documents, and instruments
that you require for the Loan. Any payment by you of any check, share draft or
other charge may, at your option, constitute an advance on the Loan to me. All
advances will be made in United States dollars. I will indemnify you and hold
you harmless for your reliance on any request for advances that you reasonably
believe to be genuine. To the extent permitted by law, I will indemnify you and
hold you harmless when the person making any request represents that I
authorized this person to request an advance even when this person is
unauthorized or this person's signature is not genuine. I or anyone I authorize
to act on my behalf may request advances by the following methods.

  (1)        I make a request in person.

  (2)        I make a request by phone.

  (3)        I make a request by mail.

  (4)        I make a request by fax or otherwise designate in writing
circumstances for which advances will be made.

  C.        Advance Limitations. In addition to any other Loan conditions,
requests for, and access to, advances are subject to the following limitations.

  (1)        Obligatory Advances. You will make all Loan advances subject to
this Agreement's terms and conditions.

  (2)        Advance Amount. Subject to the terms and conditions contained in
this Agreement, advances will be made in exactly the amount I request.

  (3)        Disbursement of Advances. On my fulfillment of this Agreement's
terms and conditions, you will disburse the advance in any manner as you and I
agree.

  (4)        Credit Limit. I understand that you will not ordinarily grant a
request for an advance that would cause the unpaid principal of my Loan to be
greater than the Principal limit. You may, at your option, grant such a request
without obligating yourselves to do so in the future.

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

WidePoint Corporation     Virginia Commercial Loan Agreement   Initials ______ 
VA/4HancockD00725200004266019080607Y -1996 Bankers Systems, Inc., St. Cloud, MN
C Page 2

--------------------------------------------------------------------------------

  (5)        Records. Your records will be conclusive evidence as to the amount
of advances, the Loan's unpaid principal balances and the accrued interest.

  (6)        Repayment Of Overadvances. I will pay any Overadvances in addition
to my regularly scheduled payments. I will repay any Overadvance by repaying you
in full within one day after the Overadvance occurs, except I may repay an
Overadvance of $100.00 or less within 3 days if the outstanding Principal
balance, including the excess, does not exceed the liquidation value of Accounts
Receivable and Inventory and the Overadvance resulted from you declaring
ineligible previously Eligible Accounts Receivable and Inventory. Otherwise, I
will repay any Overadvance by making periodic payments to you as you request.

  D.        Conditions. I will satisfy all of the following conditions before
you either issue any promissory notes or make any advances under this Agreement.

  (1)        No Default. There has not been a default under this Agreement or
other Loan documents nor would a default result from making the Loan or any
advance.

  (2)        Information. You have received all documents, information,
certifications and warranties as you may require, all properly executed, if
appropriate, on forms acceptable to you. This includes, but is not limited to,
the documents and other items listed in the Loan Checklist Report which is
hereby incorporated by reference into this Agreement.

  (3)        Inspections. You have made all inspections that you consider
necessary and are satisfied with this inspection.

  (4)        Conditions and Covenants. I will have performed and complied with
all conditions required for an advance and all covenants in this Agreement and
any other Loan documents.

  (5)        Warranties and Representations. The warranties and representations
contained in this Agreement are true and correct at the time of making the
requested advance.

  (6)        Financial Statements. My most recent financial statements,
Inventory or Accounts Receivable schedules and other financial reports,
delivered to you, are current, complete, true and accurate in all material
respects and fairly represent my financial condition.

  (7)        Bankruptcy Proceedings. No proceeding under the United States
Bankruptcy Code has been commenced by or against me or any of my affiliates.

3.        DEMAND. I agree to fully repay the Loan on demand, but if no demand is
made, I will repay the Loan by September 1, 2008.

4.        WARRANTIES AND REPRESENTATIONS. I make to you the following warranties
and representations which will continue as long as this Loan is in effect,
except when this Agreement provides otherwise.

  A.               Power. I am duly organized, and validly existing and in good
standing in all jurisdictions in which I operate. I have the power and authority
to enter into this transaction and to carry on my business or activity as it is
now being conducted and, as applicable, am qualified to do so in each
jurisdiction in which I operate.

  B.               Authority. The execution, delivery and performance of this
Loan and the obligation evidenced by the Note are within my powers, have been
duly authorized, have received all necessary governmental approval, will not
violate any provision of law, or order of court or governmental agency, and will
not violate any agreement to which I am a party or to which I am or any of my
property is subject.

  C.               Name and Place of Business. Other than previously disclosed
in writing to you I have not changed my name or principal place of business
within the last 10 years and have not used any other trade or fictitious name.
Without your prior written consent, I do not and will not use any other name and
will preserve my existing name, trade names and franchises.

  D.               Loan Purpose. This Loan is for Commercial purposes.

  E.               No Other Liens. I own or lease all property that I need to
conduct my business and activities. I have good and marketable title to all
property that I own or lease. All of my Property is free and clear of all liens,
security interests, encumbrances and other adverse claims and interests, except
those to you or those you consent to in writing.

  F.               Compliance With Laws. I am not violating any laws,
regulations, rules, orders, judgments or decrees applicable to me or my
property, except for those which I am challenging in good faith through proper
proceedings after providing adequate reserves to fully pay the claim and its
challenge should I lose.

5.            FINANCIAL STATEMENTS. I will prepare and maintain my financial
records using consistently applied generally accepted accounting principles then
in effect. I will provide you with financial information in a form that you
accept and under the following terms.

  A.        Certification. I represent and warrant that any financial statements
that I provide you fairly represents my financial condition for the stated
periods, is current, complete, true and accurate in all material respects,
includes all of my direct or contingent liabilities and there has been no
material adverse change in my financial condition, operations or business since
the date the financial information was prepared.

  B.        Frequency. Annually, I will provide to you my financial statements,
tax returns, annual internal audit reports or those prepared by independent
accountants as soon as available or at least within 120 days after the close of
each of my fiscal years. Any annual financial statements that I provide you will
be audited statements.

  (1)        Interim Financial Reports. Each fiscal quarter, I will provide to
you my financial statements, internal audit reports or those prepared by
independent accountants, tax reports, statements of cash flow, budgets and
forecasts, certificates and schedules of Property as soon as available or at
least within 30 days after the close of this business period.

  (2)        Inventory Schedule. Each month (reporting period), I will provide
you with an Inventory schedule within 25 days after the end of this reporting
period or with the frequency and promptness you otherwise request. The Inventory
schedule will list the cost and wholesale value of all Inventory and all
Eligible Inventory. The Inventory schedule will also identify whether a bailee
has possession of the Inventory and whether the Inventory is represented by a
warehouse receipt, bill of lading or similar documents or instruments. The
Inventory schedule will identify the Accounts Receivable, contracts, collections
and property relating to the Inventory.

  (3)        Accounts Receivable Schedule. Each month (reporting period), I will
provide you with an Accounts Receivable schedule within 25 days after the end of
this reporting period or with the frequency and promptness you otherwise
request. The Accounts Receivable schedule will assign the Accounts Receivable to
you and will list the Account Debtor's name, address, phone number and amounts
and dates due, documents and instruments evidencing and creating the account and
aged reports of the Accounts Receivable. At your request, I will also include
copies of customers' invoices, evidence of shipment or delivery and any other
information that you request.

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

WidePoint Corporation     Virginia Commercial Loan Agreement   Initials ______ 
VA/4HancockD00725200004266019080607Y -1996 Bankers Systems, Inc., St. Cloud, MN
C Page 3

--------------------------------------------------------------------------------

  C.        Requested Information. I will provide you with any other information
about my operations, financial affairs and condition within 45 days after your
request.

6.            COVENANTS. Until the Loan and all related debts, liabilities and
obligations are paid and discharged, I will comply with the following terms,
unless you waive compliance in writing.

  A.        Participation. I consent to you participating or syndicating the
Loan and sharing any information that you decide is necessary about me and the
Loan with the other participants or syndicators.

  B.        Inspection. Upon reasonable notice, I will permit you or your agents
to enter any of my premises and any location where my Property is located during
regular business hours to do the following.

  (1)        You may inspect, audit, check, review and obtain copies from my
books, records, journals, orders, receipts, and any correspondence and other
business related data.

  (2)        You may discuss my affairs, finances and business with any one who
provides you with evidence that they are a creditor of mine, the sufficiency of
which will be subject to your sole discretion.

  (3)        You may inspect my Property, audit for the use and disposition of
the Property's proceeds and proceeds of proceeds; or do whatever you decide is
necessary to preserve and protect the Property and your interest in the
Property.

  After prior notice to me, you may discuss my financial condition and business
operations with my independent accountants, if any, or my chief financial
officer and I may be present during these discussions. As long as the Loan is
outstanding, I will direct all of my accountants and auditors to permit you to
examine my records in their possession and to make copies of these records. You
will use your best efforts to maintain the confidentiality of the information
you or your agents obtain, except you may provide your regulator, if any, with
required information about my financial condition, operation and business or
that of my parent, subsidiaries or affiliates.

  C.        Business Requirements. I will preserve and maintain my present
existence and good standing in the jurisdiction where I am organized and all of
my rights, privileges and franchises. I will do all that is needed or required
to continue my business or activities as presently conducted, by obtaining
licenses, permits and bonds everywhere I engage in business or activities or
own, lease or locate my property. I will obtain your prior written consent
before I cease my business or before I engage in any new line of business that
is materially different from my present business.

  D.        Compliance with Laws. I will not violate any laws, regulations,
rules, orders, judgments or decrees applicable to me or my Property, except for
those which I challenge in good faith through proper proceedings after providing
adequate reserves to fully pay the claim and its appeal should I lose. Laws
include without limitation the Federal Fair Labor Standards Act requirements for
producing goods, the federal Employee Retirement Income Security Act of 1974's
requirements for the establishment, funding and management of qualified deferred
compensation plans for employees, health and safety laws, environmental laws,
tax laws, licensing and permit laws. On your request, I will provide you with
written evidence that I have fully and timely paid my taxes, assessments and
other governmental charges levied or imposed on me, my income or profits and my
property. Taxes include without limitation sales taxes, use taxes, personal
property taxes, documentary stamp taxes, recordation taxes, franchise taxes,
income taxes, withholding taxes, FICA taxes and unemployment taxes. I will
adequately provide for the payment of these taxes, assessments and other charges
that have accrued but are not yet due and payable.

  E.        New Organizations. I will obtain your written consent and any
necessary changes to the Loan documents before I organize or participate in the
organization of any entity, merge into or consolidate with any one, permit any
one else to merge into me, acquire all or substantially all of the assets of any
one else or otherwise materially change my legal structure, management,
ownership or financial condition.

  F.        Other Liabilities. I will not incur, assume or permit any debt
evidenced by notes, bonds or similar obligations, except in the following
allowable circumstances: debt in existence on the date of this Agreement and
fully disclosed to you; debt subordinated in payment to you on conditions and
terms acceptable to you; accounts payable incurred in the ordinary course of my
business and paid under customary trade terms or contested in good faith with
reserves satisfactory to you, and any other debt so requested by the Borrower
for which written approval is provided in advance by the Lender.

  G.        Notice to You. I will promptly notify you of any material change in
my financial condition, of the occurrence of a default under the terms of this
Agreement, or a default by me under any agreement between me and any third party
which materially and adversely affects my property, operations, financial
condition or business.

  H.        Dispose of No Assets. Without your prior written consent or as the
Loan documents permit, I will not sell, lease, assign, transfer, dispose of or
otherwise distribute all or substantially all of my assets to any person other
than in the ordinary course of business for the assets' depreciated book value
or more.

  I.        Insurance. I will obtain and maintain insurance with insurers, in
amounts and coverages that are acceptable to you and customary with industry
practice. This may include without limitation insurance policies for public
liability, fire, hazard and extended risk, workers compensation, and, at your
request, business interruption and/or rent loss insurance. At your request, I
will deliver to you certified copies of all of these insurance policies, binders
or certificates. I will obtain and maintain a mortgagee or loss payee
endorsement for you when these endorsements are available. I will immediately
notify you of cancellation or termination of insurance. I will require all
insurance policies to provide you with at least 10 days prior written notice to
you of cancellation or modification. I consent to you using or disclosing
information relative to any contract of insurance required by the Loan for the
purpose of replacing this insurance. I also authorize my insurer and you to
exchange all relevant information related to any contract of insurance required
by any document executed as part of this Loan.

  J.        Property Maintenance. I will keep all tangible and intangible
property that I consider necessary or useful in my business in good working
condition by making all needed repairs, replacements and improvements and by
making all rental, lease or other payments due on this property.

  K.        Property Loss. I will immediately notify you, and the insurance
company when appropriate, of any material casualty, loss or depreciation to the
Property or to my other property that affects my business.

  L.        Leverage Ratio. I will maintain at all times a ratio of total
liabilities to tangible net worth, determined under consistently applied
generally accepted accounting principles, of 2.5:1 or less.

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

WidePoint Corporation     Virginia Commercial Loan Agreement   Initials ______ 
VA/4HancockD00725200004266019080607Y -1996 Bankers Systems, Inc., St. Cloud, MN
C Page 4

--------------------------------------------------------------------------------

  M.        Minimum Tangible Net Worth. I will maintain at all times a tangible
net worth, determined under consistently applied generally accepted accounting
principles, of $3,000,000.00 or more. Tangible net worth is the amount that
total assets exceed total liabilities. For determining tangible net worth, total
assets will exclude all intangible assets, including without limitation
goodwill, patents, trademarks, trade names, copyrights, and franchises, and will
also exclude all Accounts Receivable, owed by my Insiders, that do not provide
for a repayment schedule.

  N.        Minimum Current Ratio. I will maintain at all times a ratio of
current assets to current liabilities, determined under consistently applied
generally accepted accounting principles, of 1.2:1 or more.

  O.        Additional Covenants. BORROWING BASE (ADVANCES) and DIRECT
ASSIGNMENT OF CONTRACTS. The sum of the Borrowing Base defined herein in the
section entitled "2.ADVANCES" is amended to include the following: "(3) 90
percent of those Eligible Accounts Receivable related to payments due under
contracts with the Unites States Government for which the Borrower is the
primary contractor, provided such contracts have been assigned to the Lender in
full compliance with the Assignment of Claims Act or 1940, as amended (31 U.S.C.
3727, 41 U.S.C. Section 15). "The covenants described in paragraphs "L" and "M"
will be tested for compliance on a quarterly basis.

7.            DEFAULT. I understand that you may demand payment anytime at your
discretion. However, it is understood that Lender will not exercise any of its
allowed remedies without first: (a) providing written notification to Borrower
of the event of default, and (b) observing any response period that it allows
for in said notification. For example, you may demand payment in full if any of
the following occur:

  A.        Payments. I fail to make a payment in full when due.

  B.        Insolvency or Bankruptcy. I make an assignment for the benefit of
creditors or become insolvent, either because my liabilities exceed my assets or
I am unable to pay my debts as they become due; or I petition for protection
under federal, state or local bankruptcy, insolvency or debtor relief laws, or
am the subject of a petition or action under such laws and fail to have the
petition or action dismissed within a reasonable period of time not to exceed 60
days.

  C.        Business Termination. I merge, dissolve, reorganize, end my business
or existence, or a partner or majority owner dies or is declared legally
incompetent.

  D.        Failure to Perform. I fail to perform any condition or to keep any
promise or covenant of this Agreement.

  E.        Other Documents. A default occurs under the terms of any other
transaction document.

  F.        Other Agreements. I am in default on any other debt or agreement I
have with you.

  G.        Misrepresentation. I make any verbal or written statement or provide
any financial information that is untrue, inaccurate, or conceals a material
fact at the time it is made or provided.

  H.        Judgment. I fail to satisfy or appeal any judgment against me.

  I.        Forfeiture. The Property is used in a manner or for a purpose that
threatens confiscation by a legal authority.

  J.        Name Change. I change my name or assume an additional name without
notifying you before making such a change.

  K.        Property Transfer. I transfer all or a substantial part of my money
or property.

  L.        Property Value. The value of the Property declines or is impaired.

  M.        Material Change. Without first notifying you, there is a material
change in my business, including ownership, management, and financial
conditions.

8.            REMEDIES. After I default, and after you give any legally required
notice and opportunity to cure the default, you may at your option do any one or
more of the following.

  A.        Acceleration. You may make all or any part of the amount owing by
the terms of the Loan immediately due.

  B.        Sources. You may use any and all remedies you have under state or
federal law or in any instrument securing the Loan.

  C.        Insurance Benefits. You may make a claim for any and all insurance
benefits or refunds that may be available on my default.

  D.        Payments Made On My Behalf. Amounts advanced on my behalf will be
immediately due and may be added to the balance owing under the terms of the
Loan, and accrue interest at the highest post-maturity interest rate.

  E.        Termination. You may terminate my right to obtain advances and may
refuse to make any further extensions of credit.

  F.        Set-Off. You may use the right of set-off. This means you may
set-off any amount due and payable under the terms of the Loan against any right
I have to receive money from you.

  My right to receive money from you includes any deposit or share account
balance I have with you; any money owed to me on an item presented to you or in
your possession for collection or exchange; and any repurchase agreement or
other non-deposit obligation. "Any amount due and payable under the terms of the
Loan" means the total amount to which you are entitled to demand payment under
the terms of the Loan at the time you set-off.

  Subject to any other written contract, if my right to receive money from you
is also owned by someone who has not agreed to pay the Loan, your right of
set-off will apply to my interest in the obligation and to any other amounts I
could withdraw on my sole request or endorsement.

  Your right of set-off does not apply to an account or other obligation where
my rights arise only in a representative capacity. It also does not apply to any
Individual Retirement Account or other tax-deferred retirement account.

  You will not be liable for the dishonor of any check when the dishonor occurs
because you set-off against any of my accounts. I agree to hold you harmless
from any such claims arising as a result of your exercise of your right of
set-off.

  G.        Waiver. Except as otherwise required by law, by choosing any one or
more of these remedies you do not give up your right to use any other remedy.
You do not waive a default if you choose not to use a remedy. By electing not to
use any remedy, you do not waive your right to later consider the event a
default and to use any remedies if the default continues or occurs again.

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

WidePoint Corporation     Virginia Commercial Loan Agreement   Initials ______ 
VA/4HancockD00725200004266019080607Y -1996 Bankers Systems, Inc., St. Cloud, MN
C Page 5

--------------------------------------------------------------------------------

9.            COLLECTION EXPENSES AND ATTORNEYS' FEES. On or after Default, to
the extent permitted by law, I agree to pay all expenses of collection,
enforcement or protection of your rights and remedies under this Agreement.
Expenses include (unless prohibited by law) reasonable attorneys' fees, court
costs, and other legal expenses. These expenses are due and payable immediately.
If not paid immediately, these expenses will bear interest from the date of
payment until paid in full at the highest interest rate in effect as provided
for in the terms of this Loan. All fees and expenses will be secured by the
Property I have granted to you, if any. To the extent permitted by the United
States Bankruptcy Code, I agree to pay the reasonable attorneys' fees you incur
to collect this debt as awarded by any court exercising jurisdiction under the
Bankruptcy Code.

10.            APPLICABLE LAW. This Agreement is governed by the laws of
Virginia, the United States of America and to the extent required, by the laws
of the jurisdiction where the Property is located. In the event of a dispute,
the exclusive forum, venue and place of jurisdiction will be in Virginia, unless
otherwise required by law.

11.            JOINT AND INDIVIDUAL LIABILITY AND SUCCESSORS. My obligation to
pay this Loan is independent of the obligation of any other person who has also
agreed to pay it. You may sue me alone, or anyone else who is obligated on this
Loan, or any number of us together, to collect this Loan. Extending this Loan or
new obligations under this Loan, will not affect my duty under this Loan and I
will still be obligated to pay this Loan. The duties and benefits of this Loan
will bind and benefit the successors and assigns of you and me.

12.            AMENDMENT, INTEGRATION AND SEVERABILITY. This Agreement may not
be amended or modified by oral agreement. No amendment or modification of this
Agreement is effective unless made in writing and executed by you and me. This
Agreement is the complete and final expression of the understanding between you
and me. If any provision of this Agreement is unenforceable, then the
unenforceable provision will be severed and the remaining provisions will still
be enforceable.

13.            INTERPRETATION. Whenever used, the singular includes the plural
and the plural includes the singular. The section headings are for convenience
only and are not to be used to interpret or define the terms of this Agreement.

14.            NOTICE, FINANCIAL REPORTS AND ADDITIONAL DOCUMENTS. Unless
otherwise required by law, any notice will be given by delivering it or mailing
it by first class mail to the appropriate party's address listed in the DATE AND
PARTIES section, or to any other address designated in writing. Notice to one
party will be deemed to be notice to all parties. I will inform you in writing
of any change in my name, address or other application information. I will
provide you any financial statement or information you request. All financial
statements and information I give you will be correct and complete. I agree to
sign, deliver, and file any additional documents or certifications that you may
consider necessary to perfect, continue, and preserve my obligations under this
Loan and to confirm your lien status on any Property. Time is of the essence.

15.            SIGNATURES. By signing under seal, I agree to the terms contained
in this Agreement. I also acknowledge receipt of a copy of this Agreement.

  BORROWER:

  WidePoint Corporation  
     By _________________________________ (Seal)        James T. McCubbin, CFO  
Widepoint IL, Inc.  
     By _________________________________ (Seal)        James T. McCubbin, CFO  
WP NBIL, Inc.  
     By _________________________________ (Seal)        James T. McCubbin, CFO  
Chesapeake Government Technologies, Inc.  
     By _________________________________ (Seal)        James T. McCubbin, CFO  
Operational Research Consultants, Inc.  
     By _________________________________ (Seal)        James T. McCubbin, CFO

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

WidePoint Corporation     Virginia Commercial Loan Agreement   Initials ______ 
VA/4HancockD00725200004266019080607Y -1996 Bankers Systems, Inc., St. Cloud, MN
C Page 6