1. Context for the Bank Branch Challenge Borrowers and communities of color targeted for abusive subprime mortgage products Foreclosure and economic crisis disproportionately impacts communities of color Government interventions attempt to stabilize banking industry and housing market Banks slow to return to lending, as underwriting criteria tightens, communities of color largely left out Multi-state, seven city study documents patterns New York Community Bank Corp purchased 66 bank branches of Ohio Savings (only purchase of bank branches outside of Metropolitan New York)

2. Ohio Savings ATM No Longer in Service

3. Foreclosure Crisis

4. WOODSTOCK INSTITUTE | MONTH YEAR

5. Origination and Denial Rates in Cuyahoga County by Race/Ethnic Composition of Census Tract for Conventional Home Purchase Applications, 2009 WOODSTOCK INSTITUTE | OCTOBER 2010

6. Origination and Denial Rates in Cuyahoga County by Race/Ethnic Composition of Census Tract for Conventional Refinance Applications, 2009 WOODSTOCK INSTITUTE | OCTOBER 2010

7. WOODSTOCK INSTITUTE | MONTH YEAR

9. Ohio Savings Deposits by Branches 6/2010 1801 East Ninth Street Cleveland 336,518 5767 Broadview Road Cleveland131,154 6290 Pearl RdCleveland110,925 6500 Mayfield Rd Cleveland 96,700 14033 Cedar RdCleveland 93,638 6016 Turney RoadCleveland 86,544 14177 Pearl Road Strongsville 86,066 26300 Cedar RdBeachwood 84,007 22255 Center Ridge Rd Rocky River 76,119 720 Richmond Rd Cleveland 74,604 26949 Chagrin BlvdBeachwood 73,725 4800 Great Northern BlvNorth Olmsted 72,194 34206 Aurora RoadSolon 69,885 20133 Farnsleigh Road Beachwood 67,612 3300 Warren RoadCleveland 66,474 6520 Royalton RoadNorth Royalton 55,205 15001 Snow RoadBrook Park 52,442 2066 Lee RoadCleveland 36,720 30210 Detroit RoadWestlake 26,760 13109 Shaker SquareCleveland 22,922 1866 West 25th Street Cleveland 17,693

10. BANK BRANCH CLOSING OHIO SAVINGS CLOSED ITS BANK BRANCH WITH $23 MILLION IN DEPOSITS IN AN INTEGRATED NEIGHBORHOOD, SERVING LOW AND MODERATE INCOME RESIDENTS OHIO SAVINGS/NEW YORK COMMUNITY BANK HAS PROVIDED NO LOGICAL BUSINESS RATIONALE FOR CLOSING THIS BRANCH, HAVING RECEIVED $2-4 BILLION IN FDIC FUNDS

11. Ohio Savings/New York Community Bank does not participate in the Mortgage Bulletin or the Cuyahoga County Treasurer’s Link Deposit Program

12. NEXT STEPS CRA COMMENT LETTER TO FDIC FILE FAIR LENDING COMPLAINT WITH OHIO CIVIL RIGHTS COMMISSION-HUD FHEO INVOLVE CONGRESSIONAL OFFICES IN FILING CRA COMMENTS ORGANIZE PUBLIC MEETING TO BE HELD AT OUR LADY OF PEACE CHURCH TO DISCUSS BANK DEMANDS