DEEPENING OUR RELATIONSHIPS OUR  The inception-to-date results from the CRM system have been extremely encouraging. Recently, we were honored that the successful application of  the CRM system was recognized by an analytical marketing services leader, which awarded Dime Savings its first-ever Innovator Award.  As important as the CRM tool has been and  will continue to be to our future success, it  only leverages the critical strengths of our retail banking franchise: 1) the dedicated service of  our staff to their customers and local communities; and 2) the favorable mixture of products and  services offered to our customers. Our dedicated staff, the majority of whom live within the communities in which they serve, make every effort to both foster and further the spirit of all of the communities that Dime Savings serves. We truly understand our market because we interact regularly with our  customers, and listen to what they want. As a result, we are able  to utilize this knowledge base to develop the right products  and services to meet their needs. Dime Savings is both happy and  proud to thank the customers of its many ethnic communities in their native language. 11 OUR  We are able to utilize the knowledge base of our Relationship Bankers who interact regularly with our customers to develop the right products and services to meet our customers' needs. Our Relationship Bankers always take the time to review our products and services with our customers. Our Deposit Market: Kings,* Queens, Nassau and Bronx Counties in New York •Total population: 7.4 million. •Approximately 40% of the total population of New York State. •Total population of the four counties is larger than 38 of the remaining  49 States in the United States. •Brooklyn, Bronx and Queens rank second, third and fourth respectively in county population density in all of the U.S. (Manhattan ranks first). Nassau County ranks in the top 20. •The median annual income in Nassau County is approximately $72,000. This is more than 25% higher than the state with the highest median annual income in the U.S. •Over one-third of the total population in these four counties is  foreign born (46% in Queens — our largest deposit borough, and  38% in Brooklyn). •The Asian population in Queens County alone is 636,000. This is larger than any state’s total Asian population except California. •There are over three million housing units in New York City. •80% of the total housing units are located in Manhattan, Brooklyn,  and Queens (75% of Dime Savings loans are on properties in these  three boroughs). •68% of total housing units are rental units. •75% of rental units (approximately 1.5 million) are located in buildings with five or more rental units. •4.8 million occupants live in rental units. •Manhattan, Queens and Brooklyn house 80% of New York City’s  rental population. •55% of rental units are rent-stabilized or rent-controlled. •97 percent have been rent-controlled/stabilized since 1969. •75 percent have been rent-controlled/stabilized since 1947. Sources: U.S. Census Bureau — New York City Housing and Vacancy Survey - 1999 * Kings County represents the New York City borough of Brooklyn. Rent-controlled and Rent-stabilized Units: Our Lending Market: