0000950123-04-001076 Sample Contracts

To: Participants in the Independence Community Bank Recognition and Retention Plan and Trust Agreement (the “Recognition Plan”)
Recognition and Retention Plan and Trust Agreement • January 30th, 2004 • Independence Community Bank Corp • Savings institutions, not federally chartered

Your voting instructions are being solicited in connection with the proposals to be considered at Independence Community Bank Corp.’s (the “Company”) upcoming Special Meeting of Stockholders to be held on March 8, 2004. We urge you to take advantage of the opportunity to direct the manner in which shares of common stock of the Company allocated to your account under the Recognition Plan will be voted.

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