Brochure 39 page FRONT SECTION UPDATED 05.11

PARTIAL CLIENT LIST

New York Community Bank Peapack-Gladstone Bank Sperry Associates Federal Credit Union State Bank of Long Island Teachers Federal Credit Union The Westchester Bank Union Bank of Switzerland

AIG, Inc. ALMA Bank Banco Pupular

Credit Union of New Jersey Esquire Bank Fidelity Investments First Fidelity Bank, NA, NJ Hanover Community Bank Hudson City Savings Bank IBM Federal Credit Union Island Federal Credit Union JPMorgan Chase Nassau Financial Federal Credit Union

Bank of America Bank of New York Barclays Bank of New York Bethpage Federal Credit Union Capital One Bank Citicorp Community Federal Savings Bank

Valley National Bank Wachovia Securities

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