January 14, 2010

Dear Valued Clients:

On behalf of the executive management team at New York Community Bank and AmTrust Mortgage Banking, we'd like to both thank you for your continued partnership and formally welcome you to our organization.

We are very pleased to welcome AmTrust Bank's customers and clients to our banking family, which is entering its 151st year of strength, stability, and service. Our recent decision to enter the 1-4 family mortgage business reflects our firm belief in AmTrust Mortgage Banking as an elite franchise built on a legacy of excellent customer service and leading technology. We are very excited about continuing our relationship with you into the future.

As a part of New York Community Bank, AmTrust Mortgage Banking is now stronger than ever. AmTrust Mortgage Banking's legacy of superior service and innovative technology will continue to be delivered and supported by the mortgage banking team in Cleveland and throughout the country.

Our disciplined credit culture and business risk management expertise complements the AmTrust Mortgage Banking business framework, which places business integrity and risk management at the core of client performance expectations. Your presence with us today reinforces the commitment you have made to these very important and beneficial principles.

Thank you for your business!

Sincerely,

About AmTrust Bank   |   Contact Us   |   Site Map                                                   Equal Housing