New York Community Bancorp, Inc. is the $28.5 billion holding company for New York Community Bank, a New York State-chartered savings bank with 137 banking offices serving customers in all five boroughs of New York City, Long Island, Westchester County, and New Jersey; and New York Commercial Bank, a New York State-chartered commercial bank with 29 branches serving consumers and businesses in the New York City boroughs of Manhattan, Queens, and Brooklyn, Westchester County, and Long Island.

New York Community Bank…Now in our 15th Decade of Service.

Founded in 1859 in Queens, a borough of New York City, New York Community Bank is, today, the fifth largest thrift in the nation and the third largest thrift depository in our marketplace.

We operate our network of branches through seven local divisions, each one representing New York Community Bank in a specific county or community:

*Queens County Savings Bank, with 34 locations serving the borough;
*Roslyn Savings Bank, with 57 locations in Nassau and Suffolk Counties, combined;
*Richmond County Savings Bank, with 23 locations on Staten Island;
*Roosevelt Savings Bank, with eight branches in Brooklyn;
*CFS Bank, with four branches in Westchester and one each in the Bronx and Manhattan;
*First Savings Bank of New Jersey, with four branches in Bayonne (Hudson County); and
*Ironbound Bank, with four branches in Essex and Union counties, combined.

We also operate a branch in Co-Op City (the Bronx) under the name New York Community Bank.

New York Commercial Bank…Providing Personalized Service for Consumers and Businesses

On December 30, 2005, we completed our fourth merger transaction, the acquisition of Long Island Financial Corp., parent company of Long Island Commercial Bank. The acquisition provided us with an established commercial banking platform, and served as the foundation for additional growth.

Established in 1989 to address the financial needs of small businesses and consumers on Long Island, the bank was renamed New York Commercial Bank upon completion of the merger to better reflect the broader marketplace we expect the bank to serve. On April 28, 2006, we added 17 branches to the New York Commercial Bank franchise--including five in Manhattan, five in Queens, and four in Westchester County--upon completion of our acquisition of Atlantic Bank of New York.

More Expansion Ahead
On November 2, 2006, we announced plans to acquire PennFed Financial Services, Inc., the holding company for Penn Federal Savings Bank. Pending regulatory approval and the approval of PennFed's shareholders, we expect to welcome PennFed to our banking family on or about March 31, 2007.

Comprehensive Benefits for Full-Time Employees

Health Care Coverage

• 5 Medical Plans
  
• 2 Dental Plans
  
• Vision Plan

Flexible Spending Accounts

• Health Care Flexible Spending Account
  
• Dependent Day Care

Employee Stock Ownership Plan

Employee 401(k) Savings Plan

Group Life and Accidental Death & Dismemberment ("AD & D")

Supplemental Group Life and AD&D Insurance

Dependent Life Insurance

Short-Term Disability Benefits

Long-Term Disability Benefits

Business Travel Accident Insurance

Employee Assistance Plan ("EAP")

Flexible Time

Free Employee Checking Account

• No monthly maintenance/ATM fees, free checks
  
• Direct Deposit
  
• $AFEPAY Debit/Credit Card

Tuition Reimbursement

• Continuing education for specific Bank related courses

TransitChek Program

New York Community Bank is an Equal Opportunity Employer.

Success starts here! NYCB offers a seasonal internship program that exposes high school and college students to careers in financial services and beyond. Interns are placed into positions which can allow them to gain the knowledge, experience, and professionalism needed to succeed in the workplace.