Approval of the Notice by Apple Financial Holdings, Inc.

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Press Release

Approval of the Notice by Apple Financial Holdings, Inc.

June 27, 2006

NEW YORK—The Federal Reserve Bank of New York Friday approved the notice by Apple Financial Holdings, Inc., New York, New York, to become a bank holding company with respect to Apple Bank for Savings, Manhasset, New York.

The Reserve Bank acted under authority delegated by the Board of Governors of the Federal Reserve System.

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