Applied Bank^® News Releases

Applied Bank^® earns A+ rating with TheStreet.com

WILMINGTON, DE, January 16, 2009

Applied Bank has earned the rating of A+ (Excellent Financial Strength) from TheStreet.com, an independent and unbiased accurate source for rating financial institutions. They have ranked Applied Bank as one of the top 40 banks in America and the highest rated bank in Delaware. Applied Bank is a state-of-the-art full service bank with a free WiFi Internet café in each branch. The Bank and café services are available 7 days a week with 24-hour Free ATM access. Customers also have 24 hour access to account information through Online Banking at www.appliedbank.com.

Applied Bank is a Delaware state chartered bank and an FDIC insured, Equal Housing Lender institution that has been providing banking services for over ten years and issues Applied Bank credit cards nationwide. Applied Bank’s mission is to be the premier bank in the United States for consumer, commercial banking and merchant service needs, through friendly personal service, extended hours, and flexible custom products.

Applied Bank... Making the Most of Your Time and Money.^®