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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. 

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 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. 

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## 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. 

## Our Lending Market: 

•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. 

## Rent-controlled and Rent-stabilized Units: 

•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. 

