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IRA Compendium of Bank Risk Benchmarks Coverage for New York

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ABACUS FEDERAL SAVINGS BANK NEW YORK ADIRONDACK BANCORP, INC. UTICA ADIRONDACK TRUST COMPANY EMPLOYEE STOCK OWNERSHIP TRUST, THE SARATOGA SPRINGS ALDEN STATE BANK ALDEN ALLIANCE FINANCIAL CORPORATION SYRACUSE ALLIED IRISH BANKS NEW YORK ALMA BANK ASTORIA ALPINE CAPITAL BANK NEW YORK AMERASIA BANK FLUSHING AMERICAN COMMUNITY BANK GLEN COVE AMERICAN SCANDINAVIAN BK NY NEW YORK CITY AMERICAN STK TRANSFER&TR CO NEW YORK CITY AMERIPRISE BANK FSB NEW YORK APPLE FINANCIAL HOLDINGS, INC. NEW YORK ARROW FINANCIAL CORPORATION GLENS FALLS ASIA BANCSHARES, INC. FLUSHING ASTORIA FS&LA LONG ISLAND CITY ATLAS SAVINGS&LOAN ASSN BROOKLYN BAER AMERICAN BK CORP NY NEW YORK CITY BAII BANKING CORP NYIC NEW YORK CITY BALLSTON SPA BANCORP, INC. BALLSTON SPA BANCO BILBAO VIZCAYA SA NEW YORK CITY BANCO ESPANOL DE CREDITO SA NEW YORK CITY BANK HAPOALIM B M NEW YORK BANK OF AKRON AKRON BANK OF BARODA NEW YORK CITY BANK OF CATTARAUGUS CATTARAUGUS BANK OF CHINA NEW YORK CITY BANK OF CHINA NEW YORK CITY BANK OF EAST ASIA LTD NEW YORK BANK OF GREENE COUNTY CATSKILL BANK OF INDIA NEW YORK CITY BANK OF NEW YORK MELLON CORPORATION, THE NEW YORK BANK OF PHILIPPINE ISLANDS NEW YORK BANK OF RICHMONDVILLE RICHMONDVILLE BANK OF UTICA UTICA BCH-USA NEW YORK BEACON FEDERAL EAST SYRACUSE BERKSHIRE BANCORP INC. NEW YORK BERKSHIRE MUNICIPAL BANK ALBANY BNB FINANCIAL SERVICES CORPORATION NEW YORK BOSTON CO OVERSEAS BK CORP NEW YORK CITY BOYMELGREEN FINANCIAL HOLDINGS INC. NEW YORK BRIDGE BANCORP, INC. BRIDGEHAMPTON BROOKLYN FSB BROOKLYN BROWN BROTHERS HARRIMAN TR N NEW YORK BROWN BROTHERS HARRIMAN&CO NEW YORK CITY C.C.BANCORP, INC. LITTLE VALLEY CANANDAIGUA NATIONAL CORPORATION CANANDAIGUA CANISTEO SAVINGS&LOAN ASSN CANISTEO CAPITAL TRUST CO ALBANY CARTHAGE FS&LA CARTHAGE CARVER FEDERAL SAVINGS BANK NEW YORK CARVER MUNICIPAL BANK BROOKLYN CATSKILL HUDSON BANCORP, INC. ROCK HILL CAYUGA LAKE BANK CORPORATION UNION SPRINGS CHAMPLAIN BANK CORPORATION WILLSBORO CHEMUNG FINANCIAL CORPORATION ELMIRA CHINATOWN FSB NEW YORK CHRISTIANIA BK US CORP NY NEW YORK CITY CHUO MITSUI TRUST CO U SA NEW YORK CITIGROUP INC. NEW YORK CITIZENS BK OF CAPE VINCENT CAPE VINCENT CITIZENS NB OF HAMMOND HAMMOND CITY&SUBURBAN FSB YONKERS COMMUNITY BANK OF ORANGE N A MIDDLETOWN COMMUNITY BANK SYSTEM, INC. DEWITT COMMUNITY FSB WOODHAVEN COMMUNITY MUTUAL SB MOUNT VERNON COMMUNITY NATIONAL BANK GREAT NECK COMPUTERSHARE TR CO OF NY NEW YORK CONTINENTAL STK TRANSFER&TR NEW YORK CITY COUNTRY BANK HOLDING COMPANY, INC. NEW YORK CROSS COUNTY FSB MIDDLE VILLAGE DAI-ICHI KANGYO TR CO OF NY NEW YORK CITY DELAWARE BANCSHARES, INC. WALTON DELHI BANK CORP. DELHI DEPOSITORY TRUST CO NEW YORK CITY DIME SVGS BK WILLIAMSBURGH BROOKLYN DNC AMERICA BANKING CORP NY NEW YORK CITY ELMIRA SAVINGS BANK FSB ELMIRA ES BANCSHARES, INC NEWBURGH ESQUIRE BANK BROOKLYN EUROPEAN-AMERICAN BK CORP NY NEW YORK CITY EVANS BANCORP, INC. ANGOLA EVERGREEN HOLDINGS, LLC NEW YORK FAIRPORT SAVINGS BANK FAIRPORT FINANCIAL INSTITUTIONS, INC. WARSAW FIRST AMERICAN INTERNATIONAL CORP. BROOKLYN FIRST CENTRAL SAVINGS BANK GLEN COVE FIRST FS OF MIDDLETOWN MIDDLETOWN FIRST NB OF DRYDEN DRYDEN FIRST NB OF GROTON GROTON FIRST NIAGARA BANK LOCKPORT FIRST NIAGARA COML BK LOCKPORT FIRST OF LONG ISLAND CORPORATION, THE GLEN HEAD FLATBUSH FS&LA BROOKLYN FLUSHING COMMERCIAL BANK NEW HYDE PARK FLUSHING SAVINGS BANK FSB NEW YORK CITY FORT ORANGE FINANCIAL CORP. ALBANY FULTON SAVINGS BANK FULTON GEDDES FS&LA SYRACUSE GENERAL MOTORS TRUST BANK NA NEW YORK GENERALE INV BANKING CORP NY NEW YORK CITY GENESEE REGIONAL BANK ROCHESTER GLENVILLE BANK HOLDING COMPANY, INC. SCOTIA GLOBAL BANK NEW YORK GOLDEN FIRST BANK GREAT NECK GOLDMAN SACHS TRUST CO NEW YORK CITY GOLDMAN SACHS TRUST CO NA NEW YORK GOTHAM BANK OF NEW YORK NEW YORK GOUVERNEUR SAVINGS&LOAN ASSN GOUVERNEUR GREAT LAKES BANCORP, INC. BUFFALO GREENE CNTY COMMERCIAL BANK CATSKILL GUARDIAN TRUST CO FSB NEW YORK HAMPTONS STATE BANK SOUTHAMPTON HIGHLAND FALLS FS&LA HIGHLAND FALLS HOLLAND BANCORP, INC. HOLLAND HUDSON VALLEY HOLDING CORP. YONKERS INDUSTRIAL BANK OF KOREA NEW YORK INTERAUDI BANK NEW YORK INTERVEST BANCSHARES CORPORATION NEW YORK JEFFERSONVILLE BANCORP JEFFERSONVILLE JPMORGAN CHASE & CO. NEW YORK K & Z COMPANY LLC, THE BROOKLYN KINDERHOOK BANK CORP. KINDERHOOK KYOWA SAITAMA BK TR CO OF NY NEW YORK CITY LAKE SHORE SAVINGS BANK DUNKIRK LEHMAN BROTHERS TRUST CO NA NEW YORK LYONS BANCORP, INC. LYONS MADISON NATIONAL BANK MERRICK MAPLE CITY SAVINGS BANK FSB HORNELL MARKET STREET TRUST CO CORNING MASHREQBANK PSC NEW YORK CITY MASPETH FS&LA MASPETH MASSENA SAVINGS&LOAN MASSENA MEDINA SAVINGS&LOAN ASSN MEDINA MERRILL LYNCH B&T CO FSB NEW YORK MERRILL LYNCH INTL FINL NY NEW YORK CITY METLIFE, INC. NEW YORK METROPOLITAN BANK&TRUST CO NEW YORK CITY MILLBROOK BANK SYSTEM, INC. MILLBROOK MODERN BANK NATIONAL ASSN NEW YORK NATIONAL BANK OF COXSACKIE COXSACKIE NATIONAL BANK OF NY CITY NEW YORK CITY NBT BANCORP INC. NORWICH NEW YORK COMMUNITY BANCORP, INC. WESTBURY NEW YORK PRIVATE BANK & TRUST CORPORATION NEW YORK NEWBANK FLUSHING NORTH COUNTRY SAVINGS BANK CANTON NORTH FORK BANK MATTITUCK NORTHEAST COMMUNITY BANK WHITE PLAINS NORTHERN NEW YORK BANCORP, INC. WATERTOWN NSB HOLDING CORP. STATEN ISLAND ONEIDA SAVINGS BANK ONEIDA OPPENHEIMER TRUST CO NEW YORK ORANGE COUNTY BANCORP MIDDLETOWN PARK AVENUE BANCORP, INC. NEW YORK PARTNERS TR MUNICIPAL BANK UTICA PARTNERS TRUST BANK UTICA PASL HOLDING LLC NEW YORK PATHFINDER BANK OSWEGO PATHFINDER COMMERCIAL BANK OSWEGO PATRIOT FEDERAL BANK CANAJOHARIE PCSB COMMERCIAL BANK BREWSTER PIONEER COMMERCIAL BANK TROY PIONEER SAVINGS BANK TROY PKBANKEN INTL US BK CORP NEW YORK CITY PONCE DE LEON FEDERAL BANK BRONX PROVIDENT BANK MONTEBELLO PROVIDENT MUNICIPAL BANK MONTEBELLO PUTNAM COUNTY NB OF CARMEL CARMEL PUTNAM COUNTY SAVINGS BANK BREWSTER RHINEBECK BANCORP, MHC POUGHKEEPSIE RIDGEWOOD SAVINGS BANK NEW YORK CITY RIVERSIDE BANK POUGHKEEPSIE ROCKEFELLER TRUST CO NEW YORK CITY ROME SAVINGS BANK ROME RONDOUT SAVINGS BANK KINGSTON SAVANNAH BANK NATIONAL ASSN SAVANNAH SAWYER SAVINGS BANK SAUGERTIES SENECA FALLS SAVINGS BANK SENECA FALLS SENECA FS&LA BALDWINSVILLE SIGNATURE BANK NEW YORK SLEEPY HOLLOW BANCORP, INC. SLEEPY HOLLOW SMITHTOWN BANCORP, INC. HAUPPAUGE SNB BANCORP, INC. PINE PLAINS SOLVAY BANK CORP. SOLVAY STAMFORD BANK CORP. STAMFORD STANDARD CHARTERED BANK PLC NEW YORK STATE BANCORP, INC. NEW HYDE PARK STATE BANK OF CHITTENANGO CHITTENANGO STATE BANK OF INDIA NEW YORK STERLING BANCORP NEW YORK STEUBEN TRUST CORPORATION HORNELL SUFFOLK BANCORP RIVERHEAD SUMITOMO BANK OF NY TR CO NEW YORK CITY SUNNYSIDE FS&LA OF IRVINGTON IRVINGTON TOMPKINS FINANCIAL CORPORATION ITHACA TRUSTCO BANK GLENVILLE TSB SERVICES, INC. SPENCER U.S.B. HOLDING CO., INC. ORANGEBURG UFJ TRUST CO OF NEW YORK NEW YORK ULSTER SAVINGS BANK KINGSTON UNITE HERE NEW YORK UNITED INTERNATIONAL BANK FLUSHING UNITED ORIENT BANK NEW YORK USA BANK PORT CHESTER VENEZUELAN AMERICAN BK NY NEW YORK CITY VSB BANCORP, INC. STATEN ISLAND WALDEN FS&LA WALDEN WALDEN SAVINGS BANK WALDEN WALLKILL VALLEY FS&LA WALLKILL WATERFORD VILLAGE BANK WILLIAMSVILLE WATERTOWN SAVINGS BANK WATERTOWN WILBER CORPORATION, THE ONEONTA

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