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LEGAL INFORMATION
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| Sterling National Mortgage, a subsidiary of Sterling National Bank, has authority to do business in the following 37 states as of January 2006: |
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| Arizona |
Arkansas |
California |
Colorado |
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Connecticut |
Delaware |
Florida |
Georgia |
| Idaho |
Indiana |
Iowa |
Kentucky |
| Louisiana |
Maine |
Maryland |
Massachusetts |
| Michigan |
Minnesota |
Mississippi |
Missouri |
| Nevada |
New Hampshire |
New Jersey |
New York |
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| North Carolina |
Ohio |
Oklahoma |
Oregon |
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| Pennsylvania |
Rhode Island |
South Carolina |
Tennessee |
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Vermont |
Virginia |
Washington |
West Virginia |
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Additional information regarding our authority in these states is available upon request. Either send us an e-mail or call us at 1-800-345-7332.

| Wyoming |
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