CSNC Cardinal State Bank (MM)

Cardinal State Bank Goes Nationwide With No-Charge ATM Access DURHAM, N.C., May 25 /PRNewswire-FirstCall/ -- Cardinal State Bank (NASDAQ:CSNC) now offers no-charge ATM access to all checking account customers at any bank ATM in the United States, announced John W. Mallard Jr., president and CEO for Cardinal State. "Cardinal State Bank continues to look for ways to add value for our customers," said Mallard. "We have offered no-charge access to any ATM in North Carolina since we opened for business four years ago. Now, we've extended this convenience across the country. Our customers can use any bank ATM across the country - just as if it were our Bank's ATM. The way we describe it is: we have the largest ATM network in the country!" Typically, banks allow customers to use their proprietary ATMs at no charge, but charge a service fee for using any other bank ATM and the other bank charges an access fee, as well. CSB pays these charges for their customers. This change represents added convenience and cost-savings to all Cardinal State Bank checking account customers. Headquartered in Durham, NC, Cardinal State Bank is a full-service community bank with three offices in Durham: Independence Park, Westgate Drive and Homestead Market, and an ATM at Northgate Mall. The Bank reported total assets of $142.2 million as of March 31, 2005. This news release may contain, among other things, certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including, without limitation, (i) statements regarding certain of Cardinal State Bank's goals and expectations with respect to earnings, earnings per share, revenue, expenses and the growth rate in such items, as well as other measures of economic performance, including statements relating to estimates of credit quality trends, and (ii) statements preceded by, followed by or that include the words "may", "could", "should", "would", "believe", "anticipate", "estimate", "expect", "intend", "plan", "projects", "outlook" or similar expressions. These statements are based upon the current beliefs and expectations of Cardinal State Bank's management and are subject to significant risks and uncertainties. Actual results may differ from those set forth in the forward-looking statements. These forward-looking statements involve certain risks and uncertainties that are subject to change based on various factors (many of which are beyond Cardinal State Bank's control). DATASOURCE: Cardinal State Bank CONTACT: Wendy Wagner, Executive Vice President and Chief Operations Officer of Cardinal State Bank, +1-919-403-2833, or Web site: http://www.cardinalstatebank.com/

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