Minimum to Open:
$100.00

Rate Information:
This account is not an interest bearing account.

Account Fees:
A $5.00 monthly service charge will be assessed if the daily balance in the account falls below $100.00 any day during the statement cycle. Related Account fees are found in the Schedule of Fees.

Special Features:
Free Online Banking & FinanceWorks. Monthly statement with check images. Accounts opened online are provided with electronic statements. Email Deposit Receipt Notification. Online Historical Statements, Check & Deposit Images. ATM or Visa® Check Card*

Minimum to Open:
$500.00

Rate Information:
This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Schedule. The interest rate/tier and annual percentage yield may change daily. The interest rate and annual percentage yield depend upon the applicable rate tier. The interest rate of the applicable tier will apply to the entire daily balance in the account. Interest begins to accrue on the business day of your deposit. Interest is compounded and credited monthly on the last business day of the month.

Balance Information:
We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Account Fees:
A $5.00 monthly service charge will be assessed if the daily balance in the account falls below $500.00 any day during the statement cycle. Related Account fees are found in the Schedule of Fees.

Special Features:
Free Online Banking, BillPayer & FinanceWorks. Monthly statement with check images. Email Deposit Receipt Notification. Online Historical Statements, Check & Deposit Images. ATM or Visa® Check Card*

Minimum to Open:
$500.00

Rate Information:
This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Schedule. The interest rate/tier and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. The interest rate and annual percentage yield depend upon the applicable rate tier. The interest rate will apply only to that portion of the daily balance that is within the applicable tier.

Interest begins to accrue on the business day of your deposit. Interest is compounded and credited monthly on the last business day of the month.

Balance Information:
We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Account Fees:
A $5.00 monthly service charge will be assessed if the daily balance in the account falls below $500.00 any day during the statement cycle. Related Account fees are found in the Schedule of Fees. Free Intro Pack of checks.

Special Features:
Free Online Banking, BillPayer & FinanceWorks; Free intro checks. Electronic monthly statement. Email Deposit Receipt Notification. Online Historical Statements, Check & Deposit Images. ATM or Visa® Check Card*

Minimum to Open:
$500.00

Rate Information:
This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Schedule. The interest rate/tier and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. The interest rate and annual percentage yield depend upon the applicable rate tier. The interest rate will apply only to that portion of the daily balance that is within the applicable tier.

Interest begins to accrue on the business day of your deposit. Interest is compounded and credited monthly on the last business day of the month.

Balance Information:
We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Account Fees:
A $5.00 monthly service charge will be assessed if the daily balance in the account falls below $500.00 any day during the statement cycle. Related Account fees are found in the Schedule of Fees.

Special Features:
Free Online Banking, BillPayer & FinanceWorks. Monthly statement with check images. Email Deposit Receipt Notification. Online Historical Statements, Check & Deposit Images. An electronic monthly deposit of $200.00 or more from payroll, pension, social security, or annuity is required. Each account must have a unique direct deposit source. ATM or Visa® Check Card*

Minimum to Open:
$1,500.00

Rate Information:
This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Schedule. The interest rate/tier and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. The interest rate and annual percentage yield depend upon the applicable rate tier. The interest rate will apply only to the portion of the daily balance that is within the applicable tier.

Interest begins to accrue on the business day of your deposit. Interest is compounded and credited monthly on the last business day of the month.

Balance Information:
We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Account Fees:
A $5.00 monthly service charge will be assessed if the daily balance in the account falls below $1,000.00 any day during the statement cycle. Related Account fees are found in the Schedule of Fees.

Special Features:
Free Online Banking, BillPayer & FinanceWorks, Free intro checks. Monthly statement with check images. Accounts opened online are provided electronic statements. Email Deposit Receipt Notification. Online Historical Statements, Check & Deposit Images. An electronic monthly deposit of $200.00 or more from payroll, pension, social security, or annuity is required. Each account must have a unique direct deposit source. ATM or Visa® Check Card*

Minimum to Open:
$1,000.00

Rate Information:
This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Schedule. The interest rate/tier and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. The interest rate and annual percentage yield depend upon the applicable rate tier. The interest rate of the applicable tier will apply to the entire daily balance in the account.

Interest begins to accrue on the business day of your deposit. Interest is compounded and credited monthly on the last business day of the month.

Balance Information:
We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Account Fees:
A $5.00 monthly service charge will be assessed if the daily balance in the account falls below $500.00 any day during the statement cycle. Excess withdrawal fees may apply when transaction limits are exceeded. Related Account fees are found in the Schedule of Fees.

Special Features:
Free Online Banking & FinanceWorks. Free checks. Monthly statement with check images. Accounts opened online are provided electronic statements. Email Deposit Receipt Notification. Online Historical Statements, Check & Deposit Images. ATM or Visa® Check Card*. Free money market style checks.

Limitations:
Banking Regulations limit third party transactions (check, debit card, or similar order- including POS transactions), or pre-authorized transfers (including overdraft transfers) or transfers made by personal computer (including online banking or bill payment services) or telephone (including facsimile or data transmission) funds transfers to your other accounts to six (6) each statement. If you routinely exceed more than six (6) such transfers, we need not honor the item. If you exceed these withdrawal limitations, the bank may close the account and place the funds in another account that you are eligible to maintain, or we may take away the transfer and draft capabilities. Transfers or withdrawals made in person, by messenger, mail or at an ATM are unlimited.

Available for Personal and Commercial Accounts
Minimum to Open:
$100.00

Rate Information:
This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Schedule. The interest rate/tier and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. The interest rate and annual percentage yield depend upon the applicable rate tier. The interest rate of the applicable tier will apply to the entire daily balance in the account.

Interest begins to accrue on the business day of your deposit. Interest is compounded and credited monthly on the last business day of the month.

Balance Information:
We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Account Fees:
A $.75 monthly service charge will be assessed if the daily balance in the account falls below $100.00 any day during the statement cycle. Excess withdrawal fees may apply when transaction limits are exceeded. Related Account fees are found in the Schedule of Fees.

Special Features:
Free Online Banking & FinanceWorks. Monthly statement. Accounts opened online are provided electronic statements. Email Deposit Receipt Notification. Online Historical Statements. Deposit Images. ATM Card*

Limitations:
Banking Regulations limit third party transactions (including POS transactions), or pre-authorized transfers (including overdraft transfers) or transfers made by personal computer (including online banking) or telephone (including facsimile or data transmission) funds transfers to your other accounts to six (6) each statement. If you routinely exceed more than six (6) such transfers, we need not honor the item. If you exceed these withdrawal limitations, the bank may close the account and place the funds in another account that you are eligible to maintain, or we may take away the transfer capabilities. Transfers or withdrawals made in person, by messenger, mail or at an ATM are unlimited.

Available for Personal and Commercial Accounts.

Minimum to Open:
$5,000.00

Rate Information:
This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Schedule. The interest rate/tier and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. The interest rate and annual percentage yield depend upon the applicable rate tier. The interest rate will apply only to that portion of the daily balance that is within the applicable tier.

Interest begins to accrue on the business day of your deposit. Interest is compounded and credited monthly on the last business day of the month.

Balance Information:
We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Account Fees:
Excess withdrawal fees may apply when transaction limits are exceeded. Related Account fees are found in the Schedule of Fees.

Special Features:
Free Online Banking & FinanceWorks. Monthly statement. Accounts opened online are provided electronic statements. Email Deposit Receipt Notification. Online Historical Statements. Deposit Images. ATM Card*

Limitations:
One account per Tax ID number. Banking Regulations limit third party transactions (including POS transactions), or pre-authorized transfers (including overdraft transfers) or transfers made by personal computer (including online banking) or telephone (including facsimile or data transmission) funds transfers to your other accounts to six (6) each statement. If you routinely exceed more than six (6) such transfers, we need not honor the item. If you exceed these withdrawal limitations, the bank may close the account and place the funds in another account that you are eligible to maintain, or we may take away the transfer capabilities. Transfers or withdrawals made in person, by messenger, mail or at an ATM are unlimited.

Minimum to Open:
$500.00

Rate Information:
This account is not an interest bearing account.

Account Fees:
A $5.00 monthly service charge will be assessed if the daily balance in the account falls below $500.00 any day during the statement cycle. Related Account fees are found in the Schedule of Fees.

Special Features:
Free Cash Management (other fees may apply). Free Online Banking. Monthly statement with check images. Email Deposit Receipt Notifications. Online Historical Statements, Check & Deposit Images.

Note: Commercial customers are prohibited from participating in unlawful internet gambling.

Minimum to Open:
$5,000.00

Rate Information:
This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Schedule. The interest rate/tier and annual percentage yield may change daily. The interest rate and annual percentage yield depend upon the applicable rate tier. The interest rate of the applicable tier will apply to the entire daily balance in the account.

Interest begins to accrue on the business day of your deposit. Interest is compounded and credited monthly on the last business day of the month.

Balance Information:
We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Account Fees:
A $5.00 monthly service charge will be assessed if the daily balance in the account falls below $1,000.00 any day during the statement cycle. Excess withdrawal fees may apply when transaction limits are exceeded. Related Account fees are found in the Schedule of Fees.

Special Features:
Free Online Banking. *Free checks. Monthly statement with check images. Email Deposit Receipt Notification. Online Historical Statements, Check & Deposit Images.

Limitations:
Banking Regulations limit third party transactions (check, or similar order), or pre-authorized transfers (including overdraft transfers/sweeps) or transfers made by personal computer (including online banking) or telephone (including facsimile or data transmission) funds transfers to your other accounts to six (6) each statement. If you routinely exceed more than six (6) such transfers, we need not honor the item. If you exceed these withdrawal limitations, the bank may close the account and place the funds in another account that you are eligible to maintain, or we may take away the transfer and draft capabilities. Transfers or withdrawals made in person, by messenger or mail are unlimited.

Note: Commercial customers are prohibited from participating in unlawful internet gambling.

*If not linked to a commercial checking account (sweep)

IRA Certificates Available - Branch Only

Non-IRA CDs available for Personal and Commercial Accounts

Minimum to Open:
$1,000.00

Rate Information:
This account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Schedule. The interest rate and annual percentage yield will not change for the term of the Certificate of Deposit.

You must maintain a minimum balance of $1,000.00 to obtain the disclosed annual percentage yield. The annual percentage yield assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.

Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest is compounded and credited monthly on the last business day of the month for certificates with a maturity of one year or more. Interest is compounded and credited at maturity for certificates with a maturity of less than one year.

The rate for each renewal term will be determined by us on or just before the renewal date. You may call us on or after the maturity date and we can tell you the what the interest rate will be for the next renewal term.

Balance Information:
We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations:
You may not make additional deposits into this account during a term (other than credited interest). You cannot withdrawal principal from the account until the maturity date. If you withdraw any of the principal before the maturity we will impose a penalty. The penalty will vary depending upon the term of the certificate.

The early withdrawal penalty equals the amount of interest that would have been earned during the number of penalty months shown, at the Certificate interest rate, on the amount withdrawn (whether or not such interest has actually been earned).

In certain circumstances such as the death or incompetence of an owner of the account, law permits, or in some cases requires, the waiver of the early withdrawal penalty.

Special Features:
Certificates will automatically renew. Each renewal term will be the same as the original term, beginning on the maturity date (unless we notify you, in writing, before a maturity date, of a different term for renewal). The prevailing rate of the equivalent product at the time of renewal will apply for each renewed certificate. You must notify us in writing before, or within the specified grace period, after the maturity date if you do not want the certificate to automatically renew.

Interest earned during the term that is not withdrawn during the term or the grace period is added to principal for the renewal term. Interest will accrue after final maturity. No maturity notices will be mailed for 30 day certificates. Upon request the Bank may email a Certificate of Deposit maturity notice.

If you have a commercial or consumer account (excluding CDs) you may (email address required) receive deposit receipt notification via email instead of by US postal mail.

Electronic receipts are a great way to make your life easier. No more waiting for the mail to confirm that a deposit was received. No more calls to see if your direct deposit posted. The email notification contains a link to our password protected Online Banking service where using your customer ID and password you can login to your account to view the deposit details. The email does not contain any account related or personal information.

HOW TO VERIFY, DESIGNATE, OR CHANGE THE EMAIL ADDRESS THE RECEIPT NOTIFICATION IS SENT TO:

Personal Online Banking Users: The primary owner's email address is provided at account opening and can be verified through the Online Banking. Login to Personal Online Banking, select User Options in the top right corner of the page and then the Email Address link. View the email address in the email address field.

• To change this email address: Enter the new email address in the email address field and click on Change E-mail Address. Within 2 business days deposit receipt notifications will be directed to the new email address.
• To accept this email address: No action is necessary.

Email address information can also be updated by contacting Customer Service at 800-383-6266.

If you wish to continue to receive paper receipts you must "opt-out" of email deposit receipt notification by calling Customer Service at 800-383-6266 or by sending a signed written request to: Presidential Bank Attn: Email Deposit Notification/Opt-Out 4520 East West Hwy Bethesda, MD 20814.

Of course, you can switch back to email receipt notification at any time!

For more details visit www.presidential.com, click on the Email Deposit Notifications button located on the left navigation panel.

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