Funds Transfers Now Available
A New Service for Presidential Bank Deposit Customers

November 9, 2006 — Funds Transfer is a money movement tool that allows Presidential deposit account customers to transfer funds between their Presidential Bank account and their accounts at other financial institutions or brokerage houses.

As a Presidential Funds Transfer Customer, you can:

• Schedule a funds transfer for a future date
• Set up regularly recurring funds transfers
• Send money to someone else using PayPeople
• Verify the status of your Funds Transfer requests

For more information call Presidential Bank's Customer Service Center at 800-383-6266 (Monday - Friday 8 am to 10 pm ET).

Presidential Offers Deposit Images

November 8, 2006 — Presidential Bank now offers online images of items deposited to your Presidential Bank Account. The secure image database stores the front and the back of items deposited to your account dating back to July 1, 2006. Both consumer and business checking customers may search for deposits by using a date or dollar range. These images are generally available to customers the same evening that the deposit is made to your account.

Images of all checks written by Presidential customers have been available since 2002.

Presidential Banks' Premier Savings Account Receives Bankrate.com Top Tier Award for Second and Third Quarters 2006

October 25, 2006 — Presidential Bank has received the Bankrate.com® Top Tier Award for consistently offering savings account annual percentage yields that were among the highest reported in 100 Highest Yields® for the 2nd and 3rd quarters of 2006.

The Bankrate.com® Top Tier award is a new form of recognition that will be presented quarterly to those institutions that have achieved a “top 3” ranking in any of the deposit products that are tracked for the 100 Highest Yields newsletter.

The Bankrate.com® Top Tier award assists individual consumers in identifying institutions that consistently offer high-yields on their FDIC-insured deposit products from other high-yielding deposit products. Being able to determine which institutions consistently offer high-yields is critical to consumers so that they can easily determine whether they are likely to need to move funds due to dropping yields.

Good News for Premier Savings Account Customers!

May 15, 2006 — There is no longer a monthly service charge associated with this account for not maintaining a minimum balance.

• Earn competitive interest - You’ll earn a great rate with an opening balance of $5000 up to $35,000
• No monthly fee - no minimum balance to maintain
• Account Access – Link your savings account to your Presidential Bank ATM Card and use ATMs nationwide free of charge (other banks may charge a fee called a surcharge for use of their ATM). Plus, get account information by accessing PC Banking, Telephone Banking at 800-317-6980 or by calling Customer Service at 800-383-6266.

To open a Premier Savings Account, click on Open Account Now! Or visit one of our branches in VA, MD, and DC.

Presidential Opens Leesburg Branch

A new concept for this branch is the inclusion of a commercial coffee bar from which customers may obtain complimentary specialty coffee, such as espresso, cappuccino and latte’s as well as tea and hot chocolate. The branch is also an internet hot spot which will allow customers to connect their personal laptop computers to the internet while enjoying their favorite beverage.

As with all Presidential branches, a computer is provided in the lobby for the use of customers who may need to gain access to the internet for checking emails or conducting personal banking business.