Provident Bankshares Corporation 1401 Gaskins Road Richmond, Virginia, 23238 Contact: Jim Salley, Vice President/Small Business banking Phone: (804) 754-4801 Fax: (804) 740-3037 jsalley@provbank.com www.provbank.com Principals/owners: Provident Bankshares Corporation Year established: 1886 Headquarters: Baltimore, Maryland Number of offices: 154

Provident Bankshares Corporation is the holding company for Provident Bank, the largest independent commercial bank headquartered in Maryland. With $6.4 billion in assets, Provident serves individuals and businesses in the key urban areas of Baltimore, Washington and Richmond through a network of 154 offices in Maryland, Virginia, and southern York County, PA.

Provident Bank's mission is to exceed customer expectations by delivering superior service, products and banking convenience. Every employee's commitment to serve our customers in this fashion will establish Provident Bank as the primary bank of choice for individuals, families, small businesses and mid-sized companies throughout our chosen markets.

In 2005, a team of Provident employees established a set of defining characteristics to express our culture and distinction. The following characteristics encompass the "Provident Way:"

• Integrity - We treat everyone with fairness.
• Caring - We take the time to demonstrate that we understand our customers and colleagues.
• Excellence - We exceed expectations by anticipating needs.
• Partnership - We do the little things right and earn loyalty
• Results driven - We are empowered to craft decisions that make a difference everyday.

At Provident Bank, we measure progress by deepening customer relationships and expanding opportunities for growth. We spend the time to really understand the details of businesses which usually results in a confident team building environment to grow the relationship.

Provident Bank also offers related financial services through wholly owned subsidiaries. Securities brokerage, investment management and related insurance services are available through Provident Investment Center and leases through Court Square Leasing and Provident Lease Corp. Visit Provident on the web at www.provbank.com.