Press Release

Approval of the Application by Emigrant Bancorp, Inc., and its parent, ESB Acquisition Corp

June 18, 2004

NEW YORK—The Federal Reserve Bank of New York Thursday approved the application by Emigrant Bancorp, Inc., and its parent, ESB Acquisition Corp., both of New York, New York, to acquire 100 percent of the voting shares of Emigrant Bank, New York, New York. According to standard procedure, the proposal cannot be completed for 15 days.

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

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