Annual Meeting of Shareholders

April 25, 2007

2006 Highlights

Formation of an Equipment Leasing Company

Construction and Opening of Ardmore Branch

New Loan Production Office in West Chester

Newtown Square and Exton Results

Matt Waschull joins Executive Management Team

Excellent financial performance!

2006 2005 Change

Net Income $12.7 mil $11.3 mil +12.0%

Diluted EPS $1.46 $1.31 +11.5%

Total Assets $827 mil $727 mil +13.7%

Financial Highlights

2006 2005 Change

ROE 15.7% 15.4% +20 bps

ROA 1.72% 1.66% +6 bps

Financial Highlights

$1.29

$1.07

$1.31

$1.46

$1.21

$0.75

$1.00

$1.25

$1.50

2002 2003 2004 2005 2006

Diluted Earnings Per Share from Continuing OperationsCAGR 4.81%

$827

$727$683

$605$577

$300

$400

$500

$600

$700

$800

$900

2002 2003 2004 2005 2006

Total Banking AssetsCAGR 9.42%

$ in millions

$484 $527

$601 $636

$714

$200

$300

$400

$500

$600

$700

$800

2002 2003 2004 2005 2006

Deposit GrowthCAGR 10.21%

$ in millions

$681

$499

$595$556

$439

$200

$300

$400

$500

$600

$700

$800

2002 2003 2004 2005 2006

Portfolio Loan & Lease GrowthCAGR 11.60%$ in millions

0.09%0.12%

0.70%

0.53%0.49%

0.07%

0.25%

0.06%

0.55%

0.75%

0.0%

0.1%

0.2%

0.3%

0.4%

0.5%

0.6%

0.7%

0.8%

2002 2003 2004 2005 2006

BMTC

Peer Avg.

Outstanding Asset QualityNonperforming Loans & Leases to Total Loans & Leases

$24.9 $24.9

$33.3

$31.4

$26.8

$10

$15

$20

$25

$30

$35

2002 2003 2004 2005 2006

Net Interest IncomeCAGR 7.54%$ in millions

$1.55$1.75

$1.94

$2.25

$2.51

$1.0

$1.5

$2.0

$2.5

$3.0

2002 2003 2004 2005 2006

Wealth Management Assets Under Management & AdministrationCAGR 12.81%$ in billions

$9.7

$11.5

$8.8

$10.3

$12.4

$3

$6

$9

$12

$15

2002 2003 2004 2005 2006

Wealth Management FeesCAGR 8.95%$ in millions

Stock Performance – 1/1/06 – 1/1/07

Challenges for 2007 and Beyond

Flat yield curve is affecting net interest margins

Fierce competition for deposits

Deposit pricing pressures

Philadelphia area is “over-banked”

How do we meet these challenges?

Concentrate on lines of business where we can effectively compete

~Business Banking~Wealth Services~Private Banking

Expand the footprint of the Bank

Obsession with “client service”

Aggressive sales culture

Focus on expenses

Major Initiatives for 2007

Formation of a Private Banking Group

Build new regional office in West Chester

Re-tool the Wealth Management Group~ People~ Investment platform

Remote Deposit Capture program

Support rapid growth of the equipment leasing company