Boardwalk Bancorp Inc., formerly Boardwalk Bank, is a state-chartered commercial bank that serves the needs of small and mid-sized businesses in Atlantic, Cape May and Cumberland County, New Jersey. The Bank also offers products for individual and family banking, including high-rate certificates of deposits (CDs) and an interest-bearing checking account. It provides a range of banking services, such as lending, accepting deposits, online services, merchant and card services, automated teller machine/debit card, check re-ordering and deposit pick-up. The Bank's online banking services provide the customers with around-the-clock account access. The main features of such online banking services include checking account balances, transferring funds and payment of bills online. As of March 31, 2005, it had total deposits of $222.5 million. The Bank offers several different kinds of loans. Under the business and professional loans sector, it offers commercial mortgages, equipment term loans, working capital loans and lines of credit to fund business needs for any size company. It also provides home equity loans and home equity lines of credit. The Bank offers a line of fixed- and adjustable-rate mortgage loans delivered directly to the customer. Boardwalk Bank also offers construction loans for the construction of home, office or commercial building. Boardwalk corporate checking account is a non-interest-bearing account for corporations. It corporate checking account gives the customer the option of sweeping funds to the it corporate money manager account. Boardwalk corporate money market account offers sweeping to and from a Boardwalk corporate checking account for maintaining balances. Boardwalk business interest checking account offers sole proprietors and non-profit organizations unlimited check writing. Boardwalk interest checking account offers the convenience of a checking account with an interest rate normally paid on a money market account. But with interest checking account, there are no limits on the number of checks a customer can write. Boardwalk totally free checking account requires no minimum balance, no monthly service fees and offers unlimited check writing. It is also accessible 24 hours a day. The online bill payment service helps the customers to keep their finances in order by viewing their pending payments. The Company's online bill payment service helps customers make either one time or recurring payments, scheduled by the amount of the payment or payment date; maintain a database of payment recipients (easily add, delete or modify payees); view pending payments (verify payment information); setup recurring payments (set up automatic payments for consistent monthly bills); view payment history (review payments over a specified time period by date, amount or alphabetically); update personal data (change addresses or phone numbers), and ask questions via e-mail (and receive a response in a timely manner). The Bank's merchant and card services support Visa, Mastercard, Discover, American Express, JCB and Diners Club cards. Through its deposit pick-up program, the Bank picks-up, non-cash deposits for businesses and organizations.

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