More Customers Receive Free Online BillPayer

December, 2007 — Life is easier! Effective November 16, 2007, Presidential Bank began offering Online BillPayer service free to current and future customers with Special Checking, Super Checking, and Internet Checking accounts. BillPayer remains complimentary for Checking PLUS customers.

Online BillPayer gives you peace-of-mind by enabling you to pay bills on-time, every time. Pay virtually any bill such as cable TV, telephone, mortgage, credit card, and gym dues. Other benefits:

• Save time. No need to write checks. Pay bills from your own computer.
• Save money on postage.
• No worries! Create automatic payments at pre-scheduled times for recurring or one-time payments.
• Convenient payee list for repeated payments. No need to enter information twice.
• Historical file of all payments.
• FREE Identity Theft Resolution Service, powered by Theft 911®.

Presidential’s Online BillPayer is available within our PC Banking service through one’s Current Account Activity. To activate your Online BillPayer, here’s what to do:

1. Ensure your personal bank account is active.
2. If you are currently registered for PC Banking, skip to step 4.
3. If you’re not registered for PC Banking, go to Current Account Activity by clicking on its button found on our website www.presidential.com. (top-middle of the page) Next, click on Enroll Now in the First Time Users box and follow the instructions. If you have any problems, call Customer Service at 800-383-6266 (8AM-10PM, Monday-Friday).
4. Log-in to Current Account Activity. Once you’re in Current Account Activity, click Payment Manager.
5. Click View and Pay Bills.
6. Complete the online application.
7. An email confirmation will follow.

Simple. Secure. Peace of Mind. Presidential’s Online BillPayer is just one more way we try to add value for customers.

Presidential Responds: Customers May Discontinue Paper Statements

June, 2007 — Presidential Bank is providing interested customers the option to utilize internet banking exclusively to verify account activity, which includes viewing and printing monthly statements. Voluntarily choosing this option will discontinue monthly paper statements. And, as usual, internet banking continues to be FREE.

Many customers informed us they never look at paper statements and are more than satisfied getting account information through Presidential Bank’s free internet banking service. Additionally, there is good potential to reduce waste in resources, allowing Presidential to pass those savings to our customers.

FREE internet banking provides benefits far beyond paper-less statements, such as:

• Real-time account information, for all your linked accounts such as checking, savings, money market, custodial accounts, etc.
• 24/7 access…from anywhere in the world via internet connection
• Transfer funds between all your registered Presidential accounts
• Print statements for your records…anytime!
• View and print check images
• Download account activity to Quicken 99 or later(QIF), MS Money(OFX), Quicken Financial Exchange(QFX), and Excel(CSV)

Enjoy peace of mind because our security technology protects your online access to banking services. (If you haven't already activated your FREE internet banking, contact Customer Service at 1-800-383-6266.  Access your accounts today!)

Again, this is entirely voluntary and requires customers to notify us. Customers wishing to opt-out of monthly paper statements with continued access to FREE internet banking please see your Branch Manager or notify Customer Service below. Phone requests will not be accepted.

Music, food, and lots of fun!

April, 2007 — Presidential Bank joined several thousand festival goers at the annual Reston Towne Center Great Grapes Wine, Arts and Food Festival in April. The cool and rainy weather didn’t dampen the spirits of the many Presidential staff who came out to join the festivities and provide information on the region’s best checking and savings products (Checking PLUS 4.50%APY* and Premier Savings 5.25%APY**). We also offered secure, online access for those wishing to open accounts through Presidential’s online application process. The utmost in convenience! Great food and music along with great customer service…a great day for all.

Identity Theft Protection
Enhanced Login Security

February 9, 2007 — At Presidential Bank, it’s our business to provide you value for the dollar and peace of mind.

We continue to provide innovative solutions for customers with the recently announced requirement of Enhanced Login Security for internet access to accounts. Previously a voluntary service, the requirement for all customers to pass through Enhanced Login Security began January 30, 2007.

Benefits of Enhanced Security Login:

• Improved protection from identity theft and fraud
• Reliable security when using trustworthy computers around the world
• Adaptable to each unique account holder
• Peace-of-mind to bank anytime, anywhere

It’s simple to use. Account holders who haven’t already activated Enhanced Security Login will be prompted to do so. An account holder selects a total of three questions to answer. Those unique answers, combined with the account holder’s customer ID and Password create a multiple layer of security. When cookies are allowed, the account holder will not need to answer those questions from that particular computer during subsequent visits. But when accessing from other computers, it will be necessary to answer all questions, thus providing an added layer of security to keep your records safe.

By ensuring access to accounts is limited to authorized customers, Presidential is helping provide a level of service at the cutting edge of technological advancements. We continuously work to keep customers’ identity and records safe and secure. It’s our business and your expectation.