UNDERSTANDING OUR MARKETS DIRECTORS  Vincent F. Palagiano  Chairman of the Board and Chief Executive Officer  Michael P. Devine  President and Chief Operating Officer  Kenneth J. Mahon Executive Vice President and Chief Financial Officer  Anthony Bergamo  Managing Director of the Milford Plaza Hotel  George L. Clark, Jr.  President of George L. Clark Inc. Realtors  Steven D. Cohn  Managing Partner at  Goldberg and Cohn, Esq.  Patrick E. Curtin  Senior Partner at  Conway Farrell Curtin & Kelly, P.C.  Louis V. Varone  Self-employed real estate mortgage broker  Stanley Meisels  Stockbroker with Ryan Beck & Co. and President of Small Business Electronics Investment Corp.  Malcolm T. Kitson  Retired. Formerly a Vice President at  Citibank, N.A.  John J. Flynn  Self-employed real estate mortgage broker  Fred P. Fehrenbach  President of Consolidated Brokerage Corp.  and Shell Realty Corp.  Joseph H. Farrell  Chairman of  Conway Farrell Curtin & Kelly, P.C.  Timothy B. King  Senior Vice President and  Chief Investment Officer  Michael Pucella  Senior Vice President – Finance  Vincent J. Martucci  Senior Vice President – Mortgage Officer  Samuel P. Fritsky  Senior Vice President – Marketing  George Fuller  Senior Vice President – Systems  EXECUTIVE OFFICERS  OF DIME SAVINGS EXECUTIVE OFFICERS  OF DCOM 1. Vincent F. Palagiano  2. Michael P. Devine  3. Kenneth J. Mahon 4. Stanley Meisels 5. Joseph H. Farrell 6. Steven D. Cohn  7. Anthony Bergamo 8. Louis V. Varone  9. George L. Clark, Jr.  10. Malcolm T. Kitson 11. Patrick E. Curtin 12. Fred P. Fehrenbach  13. John J. Flynn 2 1 3 7 8 9 10 6 5 11 12 13 4