The NYCB Family of Banks  :  New York Commercial Bank  :  Atlantic Bank

With assets in excess of $42 billion, New York Community Bancorp, Inc. (NYSE: NYB) is the 23rd largest bank holding company in the nation, and a leading producer of multi-family mortgage loans in New York City, with an emphasis on apartment buildings that feature below-market rents. We're also one of the nation's top 25 depositories, with a meaningful share of deposits in several of the dynamic markets we serve.

Our family of community banks currently consists of two banks subsidiaries, seven divisional banks, and 278 branches, serving customers in five states Our savings bank subsidiary, New York Community Bank, accounts for 243 of our locations: 123 in Metro New York; 52 in central and northern New Jersey; 29 in northeast Ohio, 25 in south Florida, and 14 in central Arizona--including 11 that were acquired in our recent AmTrust Bank acquisition and three that were acquired in our more recent acquisition involving Desert Hills Bank. Reflecting our evolution through a series of acquisitions, we operate our Community Bank branches through seven divisions: Queens County Savings Bank in Queens; Roslyn Savings Bank in Nassau and Suffolk counties; Richmond County Savings Bank on Staten Island; Roosevelt Savings Bank in Brooklyn; Garden State Community Bank in New Jersey; Ohio Savings Bank in Ohio; and AmTrust Bank in Florida and Arizona.

Our commercial bank subsidiary, New York Commercial Bank, meets the needs of small and mid-size businesses, as well as consumers, through 35 branches in Manhattan, Queens, Brooklyn, Long Island, and Westchester County, including 18 branches that operate under the name Atlantic Bank.

We are committed to providing all of our customers with exceptional service and convenience, and a full-service menu of products to meet a broad range of financial needs. With 24-hour banking online and by phone, and 266 ATM locations, we aim to make banking convenient. Plus, 248 of our branches are open for business at least six days a week.

We invite you to learn more about the benefits of banking with our banking family and look forward to showing you why we're the bank that gives you more.

For information regarding New York Community Bank, visit us on the web at www.myNYCB.com.