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<TABLE> <CAPTION> SUBSIDIARIES OF THE REGISTRANT <S> <C> <C> <C> Percentage of State of Incorporation Parent Subsidiary Ownership or Organization Yonkers Financial The Yonkers Savings and 100% Federal Corporation Loan Association, FA The Yonkers Savings and Yonkers Financial Services 100% New York Loan Association, FA Corporation The Yonkers Savings and Yonkers REIT, Inc. 100% New York Loan Association, FA </TABLE>
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