Exhibit 99 AGREEMENT TO FURNISH DEBT INSTRUMENTS Pursuant to Instruction 3(b)(4)(iii) to Item 601 of Regulation S-K, the Company has not included as an Exhibit any instrument with respect to long-term debt if the total amount of debt authorized by...

Exhibit 99



                      AGREEMENT TO FURNISH DEBT INSTRUMENTS

         Pursuant to Instruction 3(b)(4)(iii) to Item 601 of Regulation S-K, the
Company has not included as an Exhibit any instrument  with respect to long-term
debt if the total amount of debt  authorized by such  instrument does not exceed
10% of the consolidated assets of the Company and its subsidiaries.  The Company
agrees,  pursuant to this Instruction,  to furnish a copy of any such instrument
to the Securities and Exchange Commission upon request of the Commission.


                                            Pennsylvania Commerce Bancorp, Inc.

                                            /s/ Xxxx X. Xxxx
                                            Xxxx X. Xxxx,
                                            Chief Financial Officer








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