The Bancorp Bank's Merger with The Bancorp, Inc. Becomes Effective

December 22, 2004

WILMINGTON, Del.--(BUSINESS WIRE)--Dec. 22, 2004--The Bancorp Bank ("Bank") (Nasdaq NM:TBBK) announced today that the reorganization with The Bancorp, Inc., under which the Bank was to become a wholly-owned Bancorp, Inc. subsidiary, became effective on December 22, 2004. The Bank's stockholders had previously approved the reorganization with an approving vote of 99.9% of the shares voted, representing 80.5% of the Bank's outstanding common stock. As a result of the reorganization, each share of the Bank's common stock has been converted into 1.15 shares of The Bancorp, Inc. common stock. Fractional shares resulting from the conversion will be cashed out. The Bank's transfer agent, American Stock Transfer & Trust Company (Tel (800) 937-5449), will send out materials to effect certificate exchange.

On December 23, 2004, the first trading day following the effective date, The Bancorp, Inc. shares will begin trading under the ticker symbol TBBKD on the NASDAQ Stock Market for a period of twenty trading days, after which the trading symbol will revert back to TBBK.

About The Bancorp Bank

The Bancorp Bank is an FDIC-insured commercial bank that delivers a full array of financial services and products through private-label affinity partner programs nationwide. The private-label platform allows non-bank companies to provide branded banking products to their customer base.

    CONTACT: The Bancorp Bank
             Andres Viroslav, 215-861-7990

    SOURCE: The Bancorp Bank