STRENGTH

New York Community Bancorp, Inc. is the holding company for New York Community Bank, a New York State-chartered savings bank serving customers throughout Metro New York, New Jersey, Florida, Ohio, and Arizona; and New York Commercial Bank, a New York State-chartered commercial bank serving consumers and businesses in the New York City boroughs of Manhattan, Queens, and Brooklyn, and the counties of Nassau, Suffolk, and Westchester – all in New York.

New York Community Bank is the largest thrift in the nation and one of the leading thrift depositories in most of the markets we serve. Our roots go back to 1859, when we were chartered by the State of New York in Queens, a borough of New York City. Since then, we have grown from a single branch in Flushing to over 200 branches offices in five states!

In New York, we operate branches of the Community Bank through four local divisions, reflecting the growth of our franchise through a series of mergers with other local thrifts: Queens County Savings Bank, in Queens County; Richmond County Savings Bank, on Staten Island; Roosevelt Savings Bank, in Brooklyn; and our largest division, Roslyn Savings Bank, in Nassau and Suffolk counties on Long Island. We also operate two branches in The Bronx that operate directly under the name “New York Community Bank".

In New Jersey, we serve our customers through our Garden State Community Bank division, with branches in Essex, Hudson, Mercer, Middlesex, Monmouth, Union, and Ocean counties.

With the acquisition of the deposits and certain assets of AmTrust Bank in December 2009, we added two new divisions to our banking family: AmTrust Bank, which serves our customers in Florida and Arizona, and Ohio Savings Bank, which serves our customers in the Buckeye State. Our branches in Florida are largely located in the state's southern and coastal counties, while our branches in Arizona are primarily located in the central part of the state. Included in that network are branches that were acquired in connection with our Desert Hills Bank transaction in March 2010.

We operate our branches with an emphasis on convenience, with many locations that feature 24-hour ATM banking, and most of our Community Bank branches open at least six days a week. We also offer our customers 24-hour access to their accounts with online banking, mobile banking, and banking by phone.

For more information about New York Community Bank, click here

New York Commercial Bank traces its roots to the mid-1920s, when our Atlantic Bank division was established to meet the needs of consumers and small businesses in the city of New York.

For more information about New York Commercial Bank, visit us on the web at www.NewYorkCommercialBank.com.

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