Renovations are not only a great investment tool to build equity in your home, but can be fun too! However, Home Equity Lines of Credit (HELOCs) can be used for much more than remodeling, such as consolidating credit card debt, covering unexpected emergencies, college expenses, or traveling on your dream vacation.

Closing Costs Waived
Pay absolutely nothing to establish your Presidential HELOC. No closing costs, no application fee, no appraisal fee, no points.† It’s that simple with a Presidential HELOC. And we have special introductory
rates available. Draw from your activated HELOC anytime. Just write a check using your complimentary set of checks!

For more information, call us at (800) 281-2771 or apply from the comfort of your home by clicking on the Home Equity Lines of Credit Line link at www.presidential.com.

† The no closing cost feature is subject to the terms and conditions of the Home Equity Line Agreement, which requires that the line must remain open for a minimum of 42 months and that the finance charges must be at least $1,000 during the period the line is open.

A great alternative to our HELOC is a mutual fund line of credit from FundCash®, a division of Presidential Bank. Have cash at your fingertips
and stay invested in your mutual funds. FundCash® can help with college tuition, a new kitchen or master bath, a dream vacation, or even starting your own business. Use your own FundCash® line of credit for whatever you like.**

FundCash® offers a unique product that enables you to borrow against your financial assets...keeping your investments intact and possibly avoiding capital gains taxes.‡ Another advantage of using FundCash® is to avoid having a home equity loan that puts your home at risk.

For more information, call FundCash® at 800-343-7887 or visit us online at www.fundcash.com.

** All loans subject to approval. Federal regulations prohibit the reinvestment of loan proceeds in securities. Pledged assets are subject to involuntary sale with risk of loss and possible tax effects. Retirement plans and certain fiduciary accounts are not eligible.

‡ See your tax advisor for any possible tax benefits.

Chose to verify your account activity exclusively online through interenet banking. You’ll be able to view and print monthly statements. By voluntarily choosing this option, your monthly paper statement will no longer be mailed. As usual, internet banking is FREE.

When you discontinue paper statements, you’ll have the same great internet banking service as always:

• Real-time account access to all your linked accounts
• 24/7 access from around the world via internet
• Transfer funds between all your Presidential accounts
• Print statements anytime!
• View and print check and deposit images
• Download to Quicken, MS Money, and Excel

If you haven’t already activated your FREE internet banking, contact Customer Service at 1-800-383-6266. Access your accounts online today!

To discontinue paper statements, please see your Branch Manager or notify our Customer Service Department. You may opt-out of monthly paper statements by mail, email, or fax as shown below. Phone requests will not be accepted.

By Letter: Presidential Bank, FSB, 4520 East-West Highway, Bethesda, MD 20814, Attn: Paperless Statements

By Fax: Attention: Paperless Statements, 301-951-3582

By Email: email@presidential.com, Subject: Paperless Statements

When at the checkout line, answering the “Debit or Credit” question can be confusing. What’s the difference, anyway? The money comes out of your checking account, so what’s the big deal! Believe it or not, there are advantages to both.

A Visa® Check Card is a type of “debit” card that looks like a credit card but acts like a check because the transaction is deducted from a checking account. You may also use your VISA® Check Card at ATM machines to withdraw, deposit and transfer funds to other Presidential accounts (ATM deposits can only be made at Presidential ATMs).

Advantages when selecting CREDIT:

• High daily limit - $1,000 for point-of-sale purchases
• Cash withdrawal from ATMs up to $550 per day, even if daily purchase limit reached
• Use wherever VISA® is accepted, worldwide
• Added security because your signature is required
• Online shopping security with required authentication of 3-digit code on back of card
• Simplify your record-keeping—your free Presidential Internet Banking provides a detailed, real-time record of all transactions which is accessible from any internet connection in the world.
• Pay monthly bills or set up recurring payments such as cable, phone, or loans—without worrying about paying on time

Advantages when selecting DEBIT:

• No need to write a check; speed up checkout
• Receive cash back when making a purchase, with total deducted from your checking account ($500 purchase limit; cash back subject to store limit or Presidential $550 ATM limit)
• Secure with required PIN input

Win the $1,000,000 VISA® Grand Prize and receive $50,000 every year for the next 20 years. Here’s how to enter: Cardholders who make purchases with their VISA® Check Card from November 15 through December 31, 2007 will be automatically entered for a chance to win the Grand Prize. You must select ‘Credit’ when making purchases to qualify. One bonus entry will be given for each payment of a regular and ongoing bill made with a VISA® card during the promotion period. The more times you use your card, the more automatic entries you’ll receive. You can also enter at visa.com/win during the promotional period.

NO PURCHASE OR OTHER OBLIGATION REQUIRED TO ENTER OR WIN. Non-Purchase Entries and Purchase Entries have an equal chance of winning. One winner will win the Grand Prize. Sweepstakes ends 12/31/07. Void where prohibited.