New York Community Bancorp, Inc

NEW YORK COMMUNITY BANCORP, INC.

BANKING OFFICES

Kew Gardens Hills East Rockaway Roslyn 75-44 Main Street In Pathmark Supermarket 1400 Old Northern Blvd. Kew Gardens Hills, NY 11367 492 East Atlantic Avenue Roslyn, NY 11576 Little Neck East Rockaway, NY 11518 Seaford QUEENS COUNTY 251-31 Northern Blvd. Elmont In Pathmark Supermarket SAVINGS BANK DIVISION Little Neck, NY 11363 481 Hempstead Turnpike 4055 Merrick Road Astoria Long Island City Elmont, NY 11003 Seaford, NY 11783 31-42 Steinway Street In Pathmark Supermarket Farmingdale Syosset Astoria, NY 11103 42-02 Northern Blvd. 14 Conklin Street Two Muttontown Road 30-75 Steinway Street Long Island City, NY 11101 Farmingdale, NY 11735 Syosset, NY 11791 Astoria, NY 11103 Murray Hill Franklin Square Uniondale Auburndale 156-18 Northern Blvd. In Pathmark Supermarket In Pathmark Supermarket 194-08 Northern Blvd.* Flushing, NY 11354 460 Franklin Avenue 1121 Jerusalem Avenue Flushing, NY 11358 Ozone Park Franklin Square, NY 11010 Uniondale, NY 11553 In Eckerd Drug Store 98-16 101st Avenue Freeport Valley Stream 193-01 Northern Blvd. Ozone Park, NY 11416 160 South Main Street 75 North Central Avenue Flushing, NY 11358 In Pathmark Supermarket Freeport, NY 11520 Valley Stream, NY 11580 Bayside 92-10 Atlantic Avenue Garden City West Hempstead 224-04 Union Turnpike Ozone Park, NY 11416 108 Seventh Street 50 Hempstead Turnpike Bayside, NY 11364 Ridgewood Garden City, NY 11530 West Hempstead, NY 11552 Bellerose 66-77 Fresh Pond Road Greenvale Woodbury 247-53 Jamaica Avenue Ridgewood, NY 11385 In Pathmark Supermarket 8081 Jericho Turnpike 78 Bellerose, NY 11426 Rockaway 130 Wheatley Plaza Woodbury, NY 11797 244-19 Braddock Avenue 104-08 Rockaway Beach Blvd. Greenvale, NY 11549 In Pathmark Supermarket Bellerose, NY 11426 Rockaway Park, NY 11694 Hewlett 8101 Jericho Turnpike College Point Springfield Gardens 1280 Broadway Woodbury, NY 11797 15-01 College Point Blvd. In Pathmark Supermarket Hewlett, NY 11557 SUFFOLK College Point, NY 11356 134-40 Springfield Blvd. Jericho Bay Shore Corona Springfield Gardens, NY 11413 In Pathmark Supermarket 37-97 103rd Street Whitestone 336 North Broadway 130 East Main Street Corona, NY 11368 In Pathmark Supermarket Jericho, NY 11753 Bay Shore, NY 11706 In ShopRite Supermarket Corona Heights 31-06 Farrington Street Lake Success 1905 Sunrise Highway In James Lisa Community Center Whitestone, NY 11354 1280 Union Turnpike Bay Shore, NY 11706 51-13 108th Street Woodhaven New Hyde Park, NY 11040 Corona, NY 11368 93-22 Jamaica Avenue Lawrence Brentwood In Pathmark Supermarket Deepdale Woodhaven, NY 11421 333 Central Avenue 101 Wicks Road 254-09 Horace Harding Expy. Woodside Lawrence, NY 11559 Brentwood, NY 11717 Little Neck, NY 11362 60-10 Queens Blvd. Massapequa Centereach Ditmars Woodside, NY 11377 6199 Sunrise Highway In Pathmark Supermarket In Eckerd Drug Store Massapequa, NY 11758 2150 Middle Country Road 31-09 Ditmars Blvd. In Pathmark Supermarket Centereach, NY 11720 Astoria, NY 11105 941 Carmans Road Commack Flushing Massapequa, NY 11758 2225 Jericho Turnpike 136-65 Roosevelt Avenue Massapequa Park Commack, NY 11725 Flushing, NY 11354 4848 Merrick Road In Pathmark Supermarket In Pathmark Supermarket ROSLYN SAVINGS Massapequa Park, NY 11762 6070 Jericho Turnpike 155-15 Aguilar Avenue BANK DIVISION Merrick Commack, NY 11725 Flushing, NY 11367 2111 Merrick Avenue Deer Park Forest Hills NASSAU Merrick, NY 11566 1501 Deer Park Avenue 107-40 Queens Blvd. Baldwin New Hyde Park North Babylon, NY 11703 Forest Hills, NY 11375 In Pathmark Supermarket 1114 Jericho Turnpike East Islip 106-19 Continental Avenue 1764 Grand Avenue New Hyde Park, NY 11040 In Stop & Shop Supermarket Forest Hills, NY 11375 Baldwin, NY 11510 In Pathmark Supermarket 2650 Sunrise Highway Bellmore 2335 New Hyde Park Road Forest Parkway East Islip, NY 11730 80-35 Jamaica Avenue 2267 Bellmore Avenue New Hyde Park, NY 11040 East Northport Woodhaven, NY 11421 Bellmore, NY 11710 Oceanside 580 Larkfield Road 2641 Merrick Road 3140 Long Beach Road Fresh Meadows East Northport, NY 11731 61-49 188th Street Bellmore, NY 11710 Oceanside, NY 11572 Farmingville Fresh Meadows, NY 11365 Bethpage Plainview In Stop & Shop Supermarket In Pathmark Supermarket 509 Old Country Road Howard Beach 2350 North Ocean Avenue 3901 Hempstead Turnpike Plainview, NY 11803 82-10 153rd Avenue Farmingville, NY 11738 Bethpage, NY 11714 1092 Old Country Road Howard Beach, NY 11414 Hauppauge East Meadow 156-02 Cross Bay Blvd. Plainview, NY 11803 In ShopRite Supermarket 1900 Hempstead Turnpike Howard Beach, NY 11414 Port Washington 335 Nesconset Highway East Meadow, NY 11554 Jackson Heights 167 Shore Road Hauppauge, NY 11788 In Pathmark Supermarket 76-02 Northern Blvd. Port Washington, NY 11050 1897 Front Street Jackson Heights, NY 11372 *Scheduled to open in May 2004. East Meadow, NY 11554 NEW YORK COMMUNITY BANCORP, INC.

Holbrook Annadale Westerleigh WESTCHESTER In Pathmark Supermarket 820 Annadale Road 832 Jewett Avenue Mount Vernon 5801 Sunrise Highway Staten Island, NY 10312 Staten Island, NY 10314 In Pathmark Supermarket Holbrook, NY 11741 Bay Terrace Woodrow One Pathmark Plaza Huntington Station In Pathmark Supermarket 645-100 Rossville Avenue Mount Vernon, NY 10550 693 Jericho Turnpike 3501 Amboy Road Staten Island, NY 10309 North Yonkers Huntington Station, NY 11746 Staten Island, NY 10308 In Pathmark Supermarket Islip Bulls Head 2540 Central Park Avenue In Pathmark Supermarket 1460 Richmond Avenue North Yonkers, NY 10710 155 Islip Avenue Staten Island, NY 10314 Port Chester Islip, NY 11751 Bulls Head Expressway Plaza In Pathmark Supermarket Medford 1445 Richmond Avenue 130 Midland Avenue In Stop & Shop Supermarket Staten Island, NY 10314 Port Chester, NY 10573 ROOSEVELT SAVINGS 700-60 Patchogue-Yaphank Road Yonkers Castleton Corners BANK DIVISION Medford, NY 11763 1785 Victory Blvd. In Pathmark Supermarket North Babylon Staten Island, NY 10314 BROOKLYN 1757 Central Park Avenue In Pathmark Supermarket Yonkers, NY 10710 Dongan Hills Atlantic Terminal 1251 Deer Park Avenue 1833 Hylan Blvd. In Pathmark Supermarket North Babylon, NY 11703 Staten Island, NY 10305 625 Atlantic Avenue Patchogue Eltingville Brooklyn, NY 11217 In Pathmark Supermarket 4523 Amboy Road Bay Ridge 395 Route 112 Staten Island, NY 10312 8110-8112 Fifth Avenue Patchogue, NY 11772 79 Forest Avenue Brooklyn, NY 11209 Port Jefferson In Pathmark Supermarket Boro Park FIRST SAVINGS BANK OF In Pathmark Supermarket 1351 Forest Avenue In Pathmark Supermarket NEW JERSEY DIVISION 5145 Nesconset Highway Staten Island, NY 10302 1245 61st Street Port Jefferson, NY 11776 6th Street Grasmere Brooklyn, NY 11219 171-173 Broadway Shirley 1100 Hylan Blvd. Gates Avenue Bayonne, NJ 07002 In Pathmark Supermarket Staten Island, NY 10305 1024 Gates Avenue 800 Montauk Highway 20th Street Great Kills Brooklyn, NY 11221 Shirley, NY 11967 441 Broadway 3879 Amboy Road Gowanus Bayonne, NJ 07002 Smithtown Staten Island, NY 10308 In Pathmark Supermarket 719 Smithtown Bypass 26th Street 1-37 12th Street Smithtown, NY 11787 Hylan Boulevard 568 Broadway In ShopRite Supermarket Brooklyn, NY 11205 Bayonne, NJ 07002 Snug Harbor 2424 Hylan Blvd. Gravesend 111-01 Merrick Road 46th Street Staten Island, NY 10306 132 Avenue U Amityville, NY 11701 949 Broadway New Dorp Brooklyn, NY 11223 Bayonne, NJ 07002 343 Merrick Road 2595 Hylan Blvd. Marine Park Amityville, NY 11701 Staten Island, NY 10306 2925 Avenue U St. James New Springville Brooklyn, NY 11229 556-02 North Country Road 2555 Richmond Avenue Nostrand St. James, NY 11780 Staten Island, NY 10314 In Pathmark Supermarket West Babylon Port Richmond 37-85 Nostrand Avenue 653 Montauk Highway 282 Port Richmond Avenue Brooklyn, NY 11235 West Babylon, NY 11704 IRONBOUND BANK Staten Island, NY 10302 Starrett City DIVISION In Pathmark Supermarket Richmond Avenue In Pathmark Supermarket 531 Montauk Highway In Pathmark Supermarket 111-10 Flatlands Avenue Elizabeth West Babylon, NY 11704 2875 Richmond Avenue Brooklyn, NY 11207 715 Elizabeth Avenue Staten Island, NY 10314 Elizabeth, NJ 07201 THE BRONX Rossville Ferry Street The Bronx In Pathmark Supermarket 120-122 Ferry Street 3681-83 East Tremont Avenue 2730 Arthur Kill Road Newark, NJ 07105 Bronx, NY 10465 Staten Island, NY 10309 Hillside Seguine Avenue In ShopRite Supermarket 5770 Hylan Blvd. 367 Highway 22 West CFS BANK DIVISION Staten Island, NY 10309 Hillside, NJ 07205 Pacific Street Sunnyside THE BRONX 36 Pacific Street 1270 Clove Road Castle Center Newark, NJ 07105 Staten Island, NY 10301 In Pathmark Supermarket RICHMOND COUNTY Union Tottenville 1720 Eastchester Road SAVINGS BANK DIVISION 1000 Pine Avenue 179 Main Street Bronx, NY 10461 Union, NJ 07083 STATEN ISLAND Staten Island, NY 10307 MANHATTAN Amboy West New Brighton 3996 Amboy Road 1214 Castleton Avenue Pike Slip In Pathmark Supermarket Staten Island, NY 10308 Staten Island, NY 10310 227 Cherry Street New York, NY 10002