Merger of New York Community Bancorp, Inc. and Roslyn Bancorp, Inc. Receives New York State Banking Department Approval

Business Wire, Oct 2, 2003

Factors that could have a material adverse effect on the operations of the companies and their subsidiaries include, but are not limited to, a change in economic conditions; changes in interest rates, deposit flows, loan demand, real estate values, and competition; changes in accounting principles, policies, or guidelines; changes in legislation and regulation; and other economic, competitive, governmental, regulatory, geopolitical, and technological factors affecting the companies' operations, pricing, and services.

The companies undertake no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.