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DCAP Group, Inc. (NASDAQ: DCAP), the largest chain of independent storefront insurance agencies in the Northeast, today reported a net loss for the third quarter of 2008 of $100,025 (or ($0.03) per diluted share) as compared to net income of $59,124 in 2007 (or $.02 per diluted share). Net loss from continuing operations was $97,051 in 2008 as compared to a net loss from continuing operations of $8,717 in 2007. Year to date net loss in 2008 was $441,663 (or ($0.15) per diluted share) and year to date net loss in 2008 from continuing operations was $227,737 (or ($0.08) per diluted share). Year to date loss from discontinued operations, net of tax, in 2008 was $213,926, down from income of $200,878 in 2007. Management�s Commentary �Our discussions regarding the possible sale of some storefronts have been hampered by the lack of credit facilities available to the prospective purchaser(s)�, said Barry Goldstein, DCAP Chairman and CEO. As a result, we are considering a reduction to our footprint in both New York and Pennsylvania. �We continue to reduce our costs to preserve our working capital�, said Victor Brodsky, Chief Accounting Officer. The process for the demutualization of Commercial Mutual Insurance Company continues. The Company is hopeful that the conversion will occur during 2008, but no assurances can be given. No interest payments have been received since Q1 2007. If the conversion is successful, DCAP has agreed to forego the amounts due under the surplus notes, including the accrued interest, in exchange for the stock of the newly named �Kingstone Insurance Company.� Financial Results Quarter ended September 30, � 2008 � � 2007 � � Commissions and Fees 1,143,916 1,359,996 (Loss) from continuing operations-net of tax (97,051 ) (8,717 ) (Loss) Income from discontinued operations-net of tax (2,974 ) 67,841 Net (Loss) Income (100,025 ) 59,124 � Diluted Per Share Information: (Loss) from continuing operations (0.03 ) - (Loss) Income from discontinued operations - 0.02 (Loss) Income per common share (0.03 ) 0.02 � Weighted Average Diluted Shares Outstanding 2,971,521 3,298,073 Nine months ended September 30, � 2008 � � 2007 � Commissions and Fees 3,767,475 4,486,855 (Loss) Income from continuing operations-net of tax (227,737 ) 82,300 (Loss) Income from discontinued operations-net of tax (213,926 ) 200,878 Net (Loss) Income (441,663 ) 283,178 � Diluted Per Share Information: (Loss) Income from continuing operations (0.08 ) 0.03 (Loss) Income from discontinued operations (0.07 ) 0.07 (Loss) Income per common share (0.15 ) 0.10 � Weighted Average Diluted Shares Outstanding 2,972,547 2,962,683 About DCAP Group DCAP Group, Inc. owns and operates the largest chain of independent storefront insurance agencies in the Northeast. Through DCAP Insurance, Barry Scott Insurance, Atlantic Insurance Agency and Accurate Agency, DCAP Group provides automobile insurance (and to a lesser extent, motorcycle and homeowners), enhanced by complimentary premium financing capabilities, to retail customers in New York and Pennsylvania. Other products include automobile club service for roadside emergencies and income tax preparation services. As of November 14, 2008, there were 63 owned or franchised storefront locations. Forward Looking Statements Statements in this press release may contain �forward-looking statements� within the meaning of the Private Securities Litigation Reform Act of 1995. All statements, other than statements of historical facts, may be forward-looking statements. These statements are based on management�s current expectations and are subject to uncertainty and changes in circumstances. These statements involve risks and uncertainties that could cause actual results to differ materially from those included in forward-looking statements due to a variety of factors. More information about these factors can be found in DCAP�s latest Annual Report filed with Securities and Exchange Commission under Form 10-KSB. The company undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.