| Id | Content |
|---|---|
| F1 | Total includes service based restricted stock units that will vest in shares of Issuer's common stock over the passage of time. |
| F2 | On July 11, 2024, the common stock of the Issuer split 1 for 3, resulting in the reporting person's ownership reduction. |
| F3 | The number of shares held directly includes certain shares there were previously held by Stock Awards and that have subsequently vested. |
| F4 | Spousal Lifetime Access Trust (SLAT) wherein reporting person's spouse is initial trustee and beneficiary. |
| F5 | Spousal Lifetime Access Trust (SLAT) wherein reporting person is initial trustee and beneficiary. |
| F6 | The reporting person disclaims beneficial ownership of these securities, and the filing of this report is not an admission that the reporting person is the beneficial owner of these securities for purposes of Section 16 or for any other purpose. |
| F7 | These shares are held in a charitable remainder unitrust of which the reporting person is a trustee and of which the reporting person and his wife are beneficiaries. The reporting person continues to report beneficial ownership of all of the New York Community Bancorp, Inc. common stock held by the trust but disclaims beneficial ownership except to the extent of his and his wife's pecuniary interest therein. |
| F8 | These shares are held in a trust for the benefit of the reporting person's grandchild. The reporting person's spouse is a co-trustee of the trust. The reporting person disclaims beneficial ownership of these securities, and the filing of this report is not an admission that the reporting person is the beneficial owner of these securities for purposes of Section 16 or for any other purpose. |