RECEIVED

Board of Governors of the Federal Reserve System

FRY-6 OMB Number 7100-0297 Approval expires September 30, 2018 Page 1 of2

FRB RICHMOND Annual Report of Holding Companies-FR Y-6

COPY

Report at the close of business as of the end of fiscal year

This Report is required by law: Section 5(cX1 XA) of the Bank Holding Company Act (12 U.S.C. § 1844 (cX1XA)); Section B(a) of the International Banking Act (12 U.S.C. § 3106(a)); Sections 11(a)(1), 25 and 25A of the Federal Reserve Act (12 U.S.C. §§ 248(a)(1), 602, and 611a); Section 211.13(c) of Regulation K (12 C.F.R. § 211.13(c)); and Section 225.5(b) of Regulation Y (12 C.F.R. § 225.5(b)) and section 10(cX2XH) of the Home Owners' Loan Act. Return to the appropriate Federal Reserve Bank the original and the number of copies specified.

NOTE: The Annual Report of Holding Companies must be signed by one director of the top-tier holding company. This individual should also be a senior official of the top-tier holding company. In the event that the top-tier holding company does not have an individual who is a senior official and is also a director, the chair­man of the board must sign the report.

I, Michael J. Mercer Name of the Holding Company Director and Official

Chairman of the Board Trtle of the Holding Company Director and Official

attest that the Annual Report of Holding Companies (including the supporting attachments) for this report date has been pre­pared in conformance with the instructions issued by the Federal Reserve System and are true and correct to the best of my knowledge and belief.

~ mspect to infonnation regatding individuals contained In this mport, the Reporter certifies that it has the authority to provide this infonnation to the Federal Reserve. The Reporter a/so certifies that it has the authority, on behalf of each individual, to consent or object to pubHc release of lnfonnation regai'CRng that individual. The Federal Reserve may assume, in the absence of a l'8qCiat for confidential tleatment submitted in accordance with the Board's "Rules Regarding Availability of lnfonnatlon," 12 C.F.R. Perl 261, that the Rep r amJ. individual sent to public mlease of all details in e po co at ndividual.

For holding companies l1Qt registered with the SEC­Indicate status of Annual Report to Shareholders:

0 is induded with the FR Y-6 report

lEI will be sent under separate cover

0 is not prepared

For Federal Reserve Bank Use Only

RSSD ID ~:;{ 39J< 0 ~ '.), C.l. --------

This report form is to be filed by all top-tier bank holding compa­nies and top-tier savings and loan holding companies organized under U.S. law, and by any foreign banking organization that does not meet the requirements of and is not treated as a qualify­ing foreign banking organization under Section 211.23 of Regulation K (12 C.F.R. § 211.23). (See page one of the general instructions for more detail of who must file.) The Federal Reserve may not conduct or sponsor, and an organization (or a person) is not required to respond to, an information collection unless it displays a currently valid OMB control number.

Date of Report (top-tier holding company's fiscal year-end):

December 31, 2015 Month I Day I Year

N/A Reporter's Legal Entity Identifier (LEI) (20-Character LEI Code)

Reporter's Name, Street, and Mailing Address National Consumer Cooperative Bank Legal TlUe of Holding Company

1901 Pennsylvania Avenue N.W. Suite 300

City State Zip Code

Physical Location (if different from mailing address)

Person to whom questions about this report should be directed: Glenn P. Duncan VP-Financial Reporting Name Trtle

703-302-8061 Area Code I Phone Number I Extension

703-64 7-3463 Area Code I FAX Number

gduncan@ncb.coop E-mail Address

www.ncb.coop Address (URL) for the Holding Company's web page

Does the reporter request confidential treatment for any portion of this submission?

0 Yes Please identify the report items to which this request applies:

[81 No

O In accordance with the instructions on pages GEN-2 and 3, a letter justifying the request is being provided.

O The information for which confidential treatment is sought is being submitted separately labeled "Confidential."

Public reporting burden for this information collection is estimated to vary from 1.3 to 101 hours per response, with an average of 5.25 hours per response, including time to gather and maintain data in the required form and to review instructions and complete the information collection. Send comments regarding this burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden to: Secretary, Board of Governors of the Federal Reserve System. 20th and C Streets. NW, Washington, DC 20551, and to the Office of Management and Budget, Paperwork Reduction Project (7100-0297), Washington, DC 20503.

12/2015

For Use By Tiered Holding Companies

FRY-6 Page 2of2

Top-tiered holding companies must list the name8, mailing addtus, and physical locations of each of their subsklary holding companies below.

NCB Financial Corporation Legal Title of Subsidiary Holding Company Legal TIUe of Subsidiary Holding Company

2011 Crystal Drive Suite 800 (Mailing Address of the Subsidiary Holding Company) Street I P.O. Box (Mailing Address of the Subsidiary Holding Company) Street I P.O. Box

~A~rl~in~gt~o~n ___________ VA 22202 c~ ~sm-m--------~Zi~p~~~-------- Zip~ c~

Physical Location (If different from mailing address) Physical Location (If different from mailing address)

Legal Title of Subsidiary Holding Company Legal TIUe of Subsidiary Holding Company

(Mailing Address of the Subsidiary Holding Company) Street I P.O. Box (Mailing Address of the Subsidiary Holding Company) Street I P.O. Box

c~ Zip~ c~ Zip~

Physical Location (If different from mailing address) Physical Location (If different from mailing address)

Legal Title of Subsidiary Holding Company Legal TIUe of Subsidiary Holding Company

(Mailing Address of the Subsidiary Holding Company) Street I P.O. Box (Mailing Address of the Subsidiary Holding Company) Street I P.O. Box

c~ Zip~ c~ Zip Code

Physical Location (If different from mailing address) Physical Location (If different from mailing address)

Legal Title of Subsidiary Holding Company Legal TIUe of Subsidiary Holding Company

(Mailing Address of the Subsidiary Holding Company) Street I P.O. Box (Mailing Address of the Subsidiary Holding Company) Street I P.O. Box

c~ Zip~ c~ Zip Code

Physical Location (If different from mailing address) Physical Location (If different from mailing address)

1212012

Report Item 2.a.

NCCB Corporate Organization Chart as of December 31, 2015

National Consumer Cooperative Bank

eNCCB") (Created by 12 USC 3001) ..

NCB Financial Corporation (Delaware non~ting

holding company) Arlington, VA .

Incorporated in Dela\vare No LEI

100%

National Cooperative Bank, N.A. ("NCB")

(A National Bank) Hillsboro, OH

Federal Charter LEI #5493001GAASLCSP1PB64

NCB Coop Funding, LLC Arlington, VA

Incolporated in Delaware. Managing Member

No LEI

W""."; · ... not.... DC ~..,n,

Federal Charter Nol.EI

NCB CapitJt). ~st I (Delaware StatQi.ory

. 'l'JUS,t) ; Wastqton, ·DC

In~ted inDela~ No LEI

NCB ConUnunities, LLC Ati;nft.t..,. VA .~ .... n,

lnCQtpomted in Delaware Managing Member

No LEI

1. NCB Coop Funding, LLC was formed August 31, 2012 to facilitate a repurchase facility with Wells Fargo. 2. NCB Communities, LLC is a de minimus legacy investment in a Low Income Housing Tax Credit transaction. 3. NCB Capital Trust is a trust established in 2003 to facilitate the issuance of$50 million in trust preferred securities which

mature in 2034.

Report Item Zb:

Dalll ElllciM llranc:h 5enllca llriiiCII Action Date Type ID 1155.,. Popular Nlme

Full Service OK (Head Office) tl376 NATIONAL COOPERATIVE lANK, N.A. OK Full Service 41421n FAYETTEVILLE IIRANOI OK Full Service 4142195 HIWIIOIIO KROGER BRANDl OK Full Service 41422J4 WILMIN4STON IRANOI

NATIONAL CONSUMER COOPERATIVE lANK (21!11012) of WASHINGTON, DC.

istrwtAdlha

1D SOU1ll HIGH STIIEET 11575 STATE ROUTE A 575 HARRY SAUNER ROAD 2112!9 ROMIIAQI_"\IENUE

~-

Dornntlc ll'llnch Ust1111 December S1. 2015

aty .... Zip Calle

HIWIIOIIO OH 45133 FAYETTEVILLE OH 451lll HILLSBORO OH 45133 WILMINGTON OH 451n

~ c-try

HIGHLAND UNITED STATES IIIOWN UNITED STATES HIGHLAND UNITED STATES CLINTON UNITED STATES

Hud FDIC Olllce Olllce

IJNIIIIUM'" ........ 1111111 Olllce ID IISSD" c.-11

45441 0 NA110NAI. COOI'EIIATIVE lANK, N.A. tl371 SW24 4 NA110NAI. COOI'EIIATIVE IIANIC, N.A. 91371 5W25 5 NATIONAL COOPERATIVE lANK, N.A. tl376 4!92545 1 NATIONAL COOPERATIVE lANK, N.A. HJ76

Report Item 3.a.

Securities Holders

Stockholder's Name

The Co-operative Central Bank

GREENBELT HOMES, INC.

Group Health, Inc.

~ Boston

Greenbelt

Minneapolis

Summary of Stockholders Over 5% Stock Ownership 12/31/15

State Countrv of Incorporation

MA USA MD USA MN USA

Total B Stock

$3,050,000.00 $1,444,039.52 $1,422,719.67

#of Shares

30,500.0 14,440.4 14,227.2

Percenta&e

1.59% 0.75% 0.74%

Total C Stock

$2,961,414.05 $2,951,797.43 $1,506,837.25

#of Shares

29,614.1 29,518.0 15,068.4

Percentage 11.61% 11.58% 5.91%

Report Item 3.b. Securities Holders

National Consumer Cooperative Bank Summary of Stockholders Not Listed in Item 3.a. with Over 5% Stock Ownership During the Year

12/31/15

Stockholder's Name None

State Country of Incorporation Total B Stock #of Shares Percentage Total C Stock #of Shares Percentage

Report Item 3.a.

Securities Holders

NCB Financial Corp

Summary of Stockholders Over 5% Stock Ownership 12/31/15

Stockholder's Name National Consumer Cooperative Bank

Q!y State Country of Incorporation Total Common Stock Percentage Washington DC USA $10.00 100.00%

Report Item 3.b. Securities Holders

NCB Financial Corp Summary of Stockholders Not Listed in Item 3.a. with Over 5% Stock Ownership During the Year

12/31/15

Stockholder's Name None

State Country of Incorporation Total Common Stock Percentage

Form FR Y-6 Report Item 4: Insiders As of December 31, 2015 National Consumer Cooperative Bank (NCCB) (1) (2) (l)(a) (3)(b) (3)(c) (4)(a)

Name,

City, State,

Country

Principal Occupation Title & Position with Title & Position with Title & Position with Percentage of

if other than with Holding Company Subsidiaries Other Businesses Voting Shares in

Holding Company (include names of (include names of Holding Company

subsidiaries) other Businesses)

Wilson Beebe Consultant Director Director Executive Consultant None Red Bank, NJ (National Cooperative New Jersey Funeral USA Bank, N.A. (NCB NA)) Directors Services,

Inc.

Roger Collins Grocery Executive Director Director Chairman & CEO None Springdale, AK (NCB NA) Harps Food Stores, USA Inc.

Steven Cunningham Consultant Director & Vice Director Owner, S.F. None Vienna, VA Chairman (NCB Financial Cunningham USA Corporation); Enterprises, LLC

Director (NCB NA)

Paul Hazen Association Executive Director Director Executive Director, None Washington, DC (NCBNA) U.S. Overseas USA Cooperative

Development Council, Inc.

(4)(b)

Percentage of

Voting Shares in

Subsidiaries

(include names of

subsidiaries)

None

None

None

None

(4)(c)

List names of other

companies (Includes

partnerships) if 25%

or more of voting

securities are held

(List names of

companies and

percentage of voting

securities held)

N/A

N/A

S.F. Cunningham Enterprises, LLC (100%)

NA

Form FR V-6 Report Item 4: Insiders As of December 31, 2015 National Consumer Cooperative Bank (NCCB) (1) (2) (3)(a) (3)(b) (3)(c) (4)(a)

Name,

City, State,

Country

Principal Occupation Title & Position with Title & Position with Title & Position with Percentage of

if other than with Holding Company Subsidiaries Other Businesses Voting Shares in

Holding Company (include names of (include names of Holding Company

subsidiaries) other Businesses)

Janis Herschkowitz Manufacturing Director None President & CEO, PRL, None

Inc. and Subsidiaries (including LTC, Inc.,

Hummelstown, PA

USA

Peter Larkin Arlington, VA USA

Andrea Levere Silver Spring, MD

USA

Martin Lowery Takoma Park, MD

USA

Executive

Association Executive Director

Association Executive Director

Association Relations Director

Director (NCBNA)

None

Director (NCBNA)

Regal Cast, Inc., PRL Industries, Inc.); President, Flomega, Industries, Inc.; General Partner, Witz Enterprises

President & CEO, National Grocer's Association

President, Corporation for Enterprise Development

Executive Vice President, NRECA

None

None

None

(4)(b)

Percentage of

Voting Shares In

Subsidiaries

(Include names of

subsidiaries)

None

None

None

None

(4)(c)

List names of other

companies (includes

partnerships) if 25%

or more of voting

securities are held

(List names of

companies and

percentage of voting

securities held)

PRL, Inc. and Subsidiaries (including

LTC, Inc., Regal Cast, Inc., PRL Industries, Inc.)

(70%); Flomega Industries, Inc. (100%); Witz Enterprises (SO%)

N/A

N/A

N/A

Form FRY-6 Report Item 4: Insiders As of December 31, 2015 National Consumer Cooperative Bank {NCCB) (1) (Z) (3)(a) (3)(b) (3)(t) (4)(a)

Name,

City, State,

Country

Principal Occupation ntle & Position with Title & Position with Title & Position with Percentage of

Michael Mercer Sneliville,GA USA

if other than with Holding Company Subsidiaries Other Businesses Voting Shares in

Holding Company (include names of (include names of Holding Company

subsidiaries) other Businesses)

Credit Union Banker Chairman & Director Chairman (NCB Financial Corporation); Director (NCBNA)

President & CEO, None Georgia Credit Union Affiliates; Director, Credit Union Loan Source; CEO, Cooperative Services, Inc.; CEO, Georgia Credit Union League; Director, Credit Union Partner Unk; CEO and Director, Members ATM Alliance; CEO and Director, members Core Alliance

(4)(b)

Percentage of

Voting Shares in

Subsidiaries

(include names of

subsidiaries)

None

(4)(c)

List names of other

companies (includes

partnerships) if 25%

or more of voting

securities are held

(List names of

companies and

percentage of voting

securities held)

N/A

Form FR Y-6 Report Item 4: Insiders As of December 31, 2015 National Consumer Cooperative Bank (NCCB) (1) (2) (3)(a) (3)(b) (3)(c) (4)(a)

Name,

City, State,

Country

Principal Occupation Title & Position with Title & Position with Title & Position with Percentage of

Ray Moncrief London, KY USA

if other than with Holding Company Subsidiaries Other Businesses Voting Shares in

Holding Company (include names of (include names of Holding Company

Small Business Investment Co.

Director

subsidiaries) other Businesses)

Director President & CEO, None

(NCB Financial Mountain Ventures, Corporation); Inc.; Director Director, Outdoor (NCB NA) Venture Corp.;

Director, Patriot Industries; Director, Superior

Fabrication, LLC; Director, Tricycle, Inc.; Director, Southern App MgmtCo;

Director, Eclipse Management Co.; Director, CDVCA; Director, NCB Capital Impact; Director, Photizo Group,lnc. Director, Appalachian

Com Cap; Director, Tier 1 Accelerated Health

(4)(b) (4)(c)

Percentage of List names of other

Voting Shares in companies (includes

Subsidiaries partnerships) if 25%

(include names of or more of voting

subsidiaries) securities are held

(List names of

companies and

percentage of voting

securities held)

None N/A

Form FRY-6 Report Item 4: Insiders As of December 31, 2015 National Consumer Cooperative Bank (NCCB) (1) (Z) (3)(a) (3)(b) (3)(c) (4)(a) (4)(b) (4)(c) Name, Principal Occupation Title & Position with Title & Position with Title & Position with Percentage of Percentage of List names of other

City, State, if other than with Holding Company Subsidiaries Other Businesses Voting Shares in Voting Shares in companies (includes

Country Holding Company (include names of (include names of Holding Company Subsidiaries partnerships) if 25%

subsidiaries) other Businesses) (include names of or more of voting

subsidiaries) securities are held

(List names of companies and percentage of voting

securities held)

MaryAnn Rothman Cooperative Director Director Executive Director, None None N/A New York, NY Association (NCBNA) Council of New York USA Cooperatives and

Condominiums

Maurice Smith Credit Union Banker Director Director President, Local None None N/A Cary, North Carolina (NCBNA) Government Federal USA Credit Union

David Swanson Attorney Director Director Partner, Dorsey & None None N/A Plymouth, AK (NCB NA) Whitney, LP. USA

David Vliet Health Care Director Director CEO, Tiburclo None None N/A Piedmont, California Administrator (NCBNA) Vasquez Health USA Center, Inc.

Steven Brookner N/A Executive Vice Director & President N/A None None N/A Bethesda, MD President (NCBNA) USA

David Christiansen N/A Chief Credit Officer Chief Credit Officer N/A None None N/A Falls Church, VA (NCBNA) USA

Form FRY-6 Report Item 4: Insiders As of December 31, 2015 National Consumer Cooperative Bank (NCCB) (1) {2) (3)(a) (3)(b) (3)(c) (4)(a)

Name, City, State, Country

Principal Occupation Title & Position with Title & Position with Title & Position with Percentage of if other than with Holding Company Subsidiaries Other Businesses Voting Shares In Holding Company (include names of (include names of Holding Company

Patrick Connealy Reston, VA USA

Gerard Donlin Annapolis, MD USA

Casey Fannon Bethesda, MD USA

N/A

N/A

N/A

Michelle Fantt-Harris N/A Washington, DC USA

Ann Fedorchak Washington, DC USA

N/A

Executive Vice President

Executive Vice President & Chief Information Officer

Executive Vice President

Executive Vice President, Human Resources

subsidiaries) other Businesses)

Senior Vice President, N/A Commercial lending (NCBNA)

Chief Information Officer (NCBNA)

Advisor, OSI

Senior Vice President, N/ A Capital Markets, Real Estate, and Deposit Production (NCBNA)

Senior Vice President Adjunct Professor, & Human Resources Director (NCB NA)

Catholic University; Adjunct Professor, Prince George's Community College

Senior Vice President Senior Vice President, N/A Specialty Finance (NCBNA)

None

None

None

None

None

(4)(b)

Percentage of Voting Shares In Subsidiaries (include names of subsidiaries)

None

None

None

None

None

(4)(c)

List names of other companies (includes partnerships) If 25% or more of voting securities are held (List names of companies and percentage of voting securities held)

N/A

N/A

N/A

N/A

N/A

Form FRY-6 Report Item 4: Insiders As of December 31, 2015 National Consumer Cooperative Bank (NCCB) {1) (2) (3)(a) (3)(b) (3)(c) (4)(a)

Name,

City, State,

Country

Principal Occupation Title & Position with Title & Position with Title & Position with Percentage of

if other than with Holding Company Subsidiaries Other Businesses Voting Shares in

Holding Company (include names of (include names of Holding Company

subsidiaries) other Businesses)

Silver Spring, MD Assistant Corporate Assistant Corporate USA Secretary & Ethics Secretary & Ethics

Official Official (NCBNA)

Kathleen Luzik N/A Executive Vice Chief Operating N/A None Alexandria, VA President Officer USA (NCBNA)

Heather O'Hara N/A Senior Vice President Senior Vice President N/A None

Burtonsville, MD & Treasurer & Treasurer USA (NCBNA)

James C. N/A Executive Vice General Counsel & N/A None Oppenheimer President, General Corporate Secretary Washington, DC Counsel & Corporate (NCBNA)

USA Secreta

Richard Reed N/A Executive Vice Chief Financial Officer N/ A None

Annapolis, MD President & Chief (NCBNA)

USA Financial Officer

David Sanders N/A Senior Vice President Senior Vice President Chief Financial Officer None

Bethesda, MD & Controller & Controller & Owner, Studio E2

USA (NCBNA)

(4)(b)

Percentage of

Voting Shares In

Subsidiaries

{Include names of

subsidiaries)

None

None

None

None

None

{4)(c) List names of other

companies (includes

partnerships) if 25%

or more of voting

securities are held

{List names of

companies and

percentage of voting

securities held)

N/A

N/A

N/A

N/A

N/A

Studio e2

(SO%)

Form FR V-6 Report Item 4: Insiders As of December 31, Z015 National Consumer Cooperative Bank (NCCB) (1) (Z) (3)(a) (3}(b} (3)(c} (4)(a)

Name,

City, State,

Country

Principal Occupation Title & Position with Title & Position with Title & Position with Percentage of

if other than with Holding Company Subsidiaries Other Businesses Voting Shares in

Holding Company (include names of (include names of Holding Company

subsidiaries) other Businesses)

Charles Snyder N/A President & CEO Vice Chairman N/A None McLean, VA (NCB Financial USA Corporation);

Chairman & Chief

Executive Officer (NCBNA)

Jeffrey Whitlach N/A Senior Vice President Senior Vice President, N/A None Arlington, VA Default Management USA (NCB NA)

The Co-operative N/A N/A N/A N/A B Stock- 1.59% Central Bank C Stock- 11.61% Boston, MA

Greenbelt Homes, N/A N/A N/A N/A B Stock - 0. 75% Inc. C Stock - 11.58% Greenbelt, MD

(4}(b)

Percentage of

Voting Shares in

Subsidiaries

(include names of

subsidiaries)

None

None

N/A

N/A

(4)(c)

List names of other

companies (includes

partnerships) if 25%

or more of voting

securities are held

(List names of

companies and

percentage of voting

securities held)

N/A

N/A

N/A

N/A

Form FR Y-6 Report Item 4: Insiders As of December 31, 2015 NCB Financial Corporation (1) (2) (3)(a) (3)(b) (3)(c) (4)(a)

Name,

City, State,

Country

Principal Occupation Title & Position with Title & Position with Title & Position with Percentage of

if other than with Holding Company Subsidiaries Other Businesses Voting Shares in

Holding Company (include names of (include names of Holding Company

Steven Cunningham Consultant Vienna, VA USA

Michael Mercer Credit Union Banker Snellville, GA USA

subsidiaries) other Businesses)

Director Director {NCB NA)

Chairman & Director Director {NCB NA)

Owner, S.F. None Cunningham Enterprises, llC

President & CEO, None Georgia Credit Union Affiliates; Director, Credit Union loan Source; CEO, Cooperative Services, Inc.; CEO, Georgia Credit Union league; Director, Credit Union Partner link; CEO and Director, Members ATM Alliance; CEO and Director, members Core Alliance

(4)(b)

Percentage of

Voting Shares in

Subsidiaries

(include names of

subsidiaries)

None

None

(4)(c) List names of other

companies (includes

partnerships) if 25%

or more of voting

securities are held

(List names of

companies and

percentage of voting

securities held)

S.F. Cunningham Enterprises, llC {100%)

N/A

Form FR V-6 Report Item 4: Insiders As of December 31, 2015 NCB Financial Corporation (1) (Z) (3)(a) (3)(b) (3)(c) (4)(a)

Name,

City, State,

Country

Principal Occupation Title & Position with Title & Position with Title & Position with Percentage of

Ray Moncrief London, KY USA

if other than with Holding Company Subsidiaries Other Businesses Voting Shares in

Holding Company (include names of (include names of Holding Company

Small Business Investment Co.

Director

subsidiaries) other Businesses)

Director President & CEO, None {NCB NA) Mountain Ventures,

Inc.; Director, Outdoor Venture Corp.; Director, Patriot Industries; Director, Superior Fabrication, LLC; Director, Tricycle, Inc.; Director, Southern App MgmtCo; Director, Eclipse Management Co.; Director, CDVCA; Director, NCB Capital Impact; Director, Photizo Group, Inc. Director, Appalachian Com Cap; Director, Tier 1 Accelerated Health

(4)(b)

Percentage of

Voting Shares in

Subsidiaries

(include names of

subsidiaries)

None

(4)(c)

List names of other

companies (includes

partnerships) if 25%

or more of voting

securities are held

(List names of

companies and

percentage of voting

securities held)

N/A

Form FR Y-6 Report Item 4: Insiders As of December 31, 2015 NCB Financial Corporation {1) (2) {3){a) {3){b) {3){c) {4){a)

Name, City, State, Country

Principal Occupation Title & Position with Title & Position with Title & Position with Percentage of if other than with Holding Company Subsidiaries Other Businesses Voting Shares in Holding Company (include names of (include names of Holding Company

subsidiaries) other Businesses)

{4){b) Percentage of Voting Shares in Subsidiaries (include names of subsidiaries)

------ -- - - - - ----------- -

Heather O'Hara N/A Treasurer Senior Vice President N/A None None

Burtonsville, MD & Treasurer

USA (NCB NA)

James C. N/A Corporate Secretary General Counsel & N/A None None

Oppenheimer Corporate Secretary

Washington, DC (NCB NA)

USA

Richard Reed N/A Chief Financial Officer Chief Financial Officer N/A None None

Annapolis, MD (NCB NA)

USA

Charles Snyder N/A Vice Chairman & Chairman & Chief N/A None None

Mclean, VA President Executive Officer

USA (NCB NA)

{4){c) List names of other companies (includes partnerships) if 25% or more of voting

securities are held (List names of companies and

percentage of voting securities held)

N/A

N/A

N/A

N/A