Federal Home Loan Bank of New York

The Federal Home Loan Bank of New York (FHLBNY) is a privately-owned wholesale bank that helps community lenders in New Jersey, New York, Puerto Rico and the U.S. Virgin Islands advance housing and community growth. The FHLBNY membership is comprised of commercial banks, savings banks, savings and loans, credit unions, insurance companies and community development financial institutions. The FHLBNY is part of the Congressionally-chartered, nationwide Federal Home Loan Bank System, which was created in 1932 to provide a flexible liquidity source for member community lenders engaged in home mortgage and neighborhood lending. The mission of the FHLBNY is to advance housing opportunity and local community development by maximizing the capacity of community-based member lenders to serve their markets. Since the FHLBNY is a secured lender, all of its credit products require real estate related collateral. The FHLBNY enables local lenders to extend affordable credit to their communities. Thanks to the Federal Home Loan Bank System, communities across the country have access to more affordable housing, small business, and community development programs.

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Ulster Savings Bank

Ulster Savings Bank is a local community bank with 170 years of service to the community. Headquartered in Kingston, NY, Ulster Savings Bank has locations throughout the Hudson Valley. Visit us at www.ulstersavings.com or call toll-free 866-440-0391. (Investment, Tax, Payroll, and Insurance products and services available through Ulster Insurance Services, Inc. and Ulster Financial Group, Inc., subsidiaries of Ulster Savings Bank, are NOT FDIC INSURED.) We serve the needs of individuals and small businesses with a diverse menu of products and services and the latest banking technology: • In-branch, online and mobile banking • Residential and commercial mortgages • Consumer loans and lines of credit • Investments and retirement planning* • Home, auto and commercial insurance* • Tax preparation* • Payroll processing* *THESE PRODUCTS AND SERVICES ARE OFFERED THROUGH OUR SUBSIDIARIES, ULSTER INSURANCE SERVICES, INC. AND ULSTER FINANCIAL GROUP, INC. AND ARE NOT FDIC INSURED. ULSTER SAVINGS BANK. MEMBER FDIC. EQUAL HOUSING LENDER. NMLS# 619306

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