Merrill Lynch, 90 Crystal Run Rd, Middletown, NY 10941, US

Hudson Valley Investment Advisors is a subsidiary of Provident New York Bancorp, the holding company of Provident Bank, which provides financial services to businesses and individuals as a savings association. The bank s lending activities include commercial and residential real estate loans and secured and unsecured commercial loans for financing equipment acquisition, expansion, working capital and other general business purposes. It also provides land acquisition, development and construction loans to builders. The bank offers homeowner loans, home equity lines of credit, new and used automobile loans and personal loans with fixed-rate installment and variable lines of credit. Its deposit accounts include savings and checking accounts, money market and club accounts, certificates of deposits, commercial checking accounts for businesses and other plan accounts. The bank invests in debt securities issued by the United States government and agencies, corporate and municipal bonds, equity and mortgage-backed securities, and state and municipal securities. Hudson Valley Investment Advisors is located in Goshen, N.Y.

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Ronald W. Thorn, CPA