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<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Times New Roman",serif">Happy New Year to all my fellow Gothamites!! I wish each of you a year of joy, abundance and prosperity. I have attached my new year poem. I hope you enjoy it and feel
free to share it as you wish. Best wishes,<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Times New Roman",serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><img width="76" height="98" style="width:.7916in;height:1.0166in" id="Picture_x0020_1" src="cid:image001.jpg@01D4A11E.177B3BB0" alt="JEFFREY_JENSEN_web"><img width="120" height="59" style="width:1.25in;height:.6166in" id="Picture_x0020_2" src="cid:image002.jpg@01D4A11E.177B3BB0" alt="VA_Specialist_Signature">
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Jeffrey M. Jensen, Vice President<o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:#2F5496">The Federal Savings Bank</span></b><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif">
</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif">| 120 Broadway, Flr. 29, Ste 2950, New York, NY 10271<o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Cell:
</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif">(203) 981-8282<o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif">direct:</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif"> (646) 688-3945<o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif">fax:</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif"> (646) 568-3688<o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif">email:</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif">
<a href="jjensen@thefederalsavingsbank.com">jjensen@thefederalsavingsbank.com</a><o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Times New Roman",serif">web:
</span></b><span style="font-size:12.0pt;font-family:"Times New Roman",serif"><a href="www.thefederalsavingsbank.com/jeffreyjensen">www.thefederalsavingsbank.com/jeffreyjensen</a></span><span style="font-family:"Times New Roman",serif"><o:p></o:p></span></p>
<p class="MsoNormal"><i><span style="font-size:9.0pt;font-family:"Times New Roman",serif">NMLS# 109616<o:p></o:p></span></i></p>
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