0000912057-01-541305 Sample Contracts

Exhibit 99.1 YONKERS FINANCIAL CORPORATION LETTERHEAD LIMITED WAIVER AGREEMENT November 13, 2001 Simeon Brinberg Gould Investors, L..P. 60 Cutter Mill Road Great Neck, New York 11021 Dear Mr. Brinberg: As you are aware, Atlantic Bank has requested...
Limited Waiver Agreement • November 29th, 2001 • Yonkers Financial Corp • Savings institution, federally chartered

As you are aware, Atlantic Bank has requested that Gould Investors, L.P. execute the attached Voting Agreement in connection with its proposed merger with Yonkers Financial Corporation (the "Company"). You have indicated the willingness of Gould Investors, L.P. to execute such Voting Agreement if the Company agrees to waive such provisions of its Standstill Agreement (the "Standstill Agreement") dated January 14, 2000 with Gould Investors, L.P. as may be required to enable it to perform its obligations under the Voting Agreement.

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