Ridgewood Savings Bank maintains a vibrant presence in the communities it serves, annually conducting in-depth educational first-time homebuyers seminars in at least eight of our branches. These pro-bono workshops include input from mortgage, legal and insurance professionals and reflect the Bank's commitment to enhance financial literacy in our surrounding communities. We are also in the midst of rehabilitating a house in Woodhaven, Queens with Habitat for Humanity, with over twenty-five of our employees actively involved. Ridgewood is proud to underwrite this construction of what will become a home for a working low-income family.