UNDERSTANDING OUR MARKETS Effective direct marketing distinguished Dime Savings as a respected innovator in reaching target customers. “ Nathan’s in Coney Island became more than a destination; it was a way of life.” In addition, over the past few years, we have introduced a package of products and services aimed at deepening our relationship with  our customers. Our MasterCard ® debit card, launched in 2001, has more than 31,000 active users,  up from 18,000 two years ago. Internet Banking, launched in July 2001, has grown to 4,600 users as of December 31, 2002, of which 400, or 9%, utilize the online bill payment service. Total Automated Banking Service (“TABS”)  has increasingly been accessed by customers,  as they seek 24/7 access to their banking information. Besides providing convenience to banking customers, TABS also is cost- effective for us, as routine inquires such  as balance inquiries and checks cashed  are satisfied without the overhead cost  of a relationship manager. We have introduced a package of products and services aimed at deepening our relationship with our customers. The new products and services we have offered consumers have clearly prospered over the past few 12 The success of our retail banking strategy has truly been reflected in our results. We continue to gain “share of wallet” (the percentage of the total deposit funds  of our customers). In addition,  we continue to see growth in the number of bank services and Regional Manager Dorene Finnegan (left) visits with a small-business owner in Glen Oaks. years, and we will continue to add new products and services to our customers as the market dictates.