Community Reinvestment Commitment

The Bank of New York Company, Inc. and Mellon Financial Corporation have merged. As a combined company, The Bank of New York Mellon will build on our ongoing commitment to community reinvestment helping our banks compile an excellent record of meeting the needs of communities where our employees live and work.

Through loans, investments and financial services, our banks provide a wide array of resources to our customers and communities. Doing so helps us comply with the letter and spirit of applicable laws, but also is the right thing to do and key to the accomplishment of our business objectives.

Current Community Reinvestment Act Ratings

Our most recent federal Community Reinvestment Act examinations earned our banks the following ratings:

• The Bank of New York — Outstanding
• Mellon Bank, N. A. — Outstanding
• Mellon Trust New England — Outstanding
• Mellon United National Bank — Outstanding
• Mellon 1^st Business Bank — Outstanding

Select a bank's rating to view its Public Performance Evaluation, which provides extensive information about that bank's Community Reinvestment Act performance.