CMS Bancorp Inc.

Mr. Ritacco brings over 30 years of banking accomplishments to his role as President and Chief Executive Officer of Community Mutual. Mr. Ritacco worked at a leading Rhode Island bank before relocating to Westchester County to become First Fidelity Bancorp’s New York Commercial Banking Manager. From there he moved to First Union National Bank of Charlotte (the predecessor bank to Wachovia) as the New York and Connecticut Corporate Banking Manager before becoming First Union’s Tri-State Corporate Finance Director. Among Mr. Ritacco’s many professional affiliations are his memberships in both the American Community Bankers Association and the New York State Bankers Association. Mr. Ritacco has committed countless personal time to Junior Achievement, where he was a director of the Hudson Valley region, following his tenure as chairman of the board.

Mr. Dowd has over 30 years of financial management expertise that he brings to Community Mutual, most recently as Chief Financial Officer of Leveraged Technology Inc. in New York. He began his ascent through the financial ranks as a senior audit manager at Ernst & Young, after which he rose from Assistant Controller to Assistant Treasurer at ASARCO Inc., an S&P 500, NYSE-traded mining and metals and specialty chemicals producer. He is a member of AICPA and NYSSCPA, where he served as an executive board member.

Mr. Strauss has spent his over 30-year banking career exclusively in New York and southwestern Connecticut, developing an unequalled understanding of this area in the process. Before bringing his considerable talents to Community Mutual, Mr. Strauss was Vice President – Credit Administration at Union State Bank in Tarrytown, prior to which he was SVP – Senior Lending Officer at a local financial institution in White Plains. The bulk of his career was spent at First Union National Bank in New York and Stamford, CT, where he rose from Branch Manager to Vice President – Risk Manager. Mr. Strauss is also a past director of the Empire State Mortgage Bankers Association.

Thomas G. Ferrara has been Chairman of the Board of Trustees of Community Mutual since January 2005. Mr. Ferrara is President of Future Value Associates, Ltd., a consulting firm for 401(k) plans, benefit plans, estate planning, insurance and variable annuities and mutual funds. Mr. Ferrara holds an undergraduate degree in Commerce from Niagara University. He completed his Masters of Business Administration at night at the New York City campus of Pace University. He serves on the Boards of Calvary Hospital, in the Bronx, New York, The Fred S. Keller School in Yonkers, New York, The Pound Ridge Library Foundation, Pound Ridge, New York, and The National Corvette Museum in Bowling Green, Kentucky. In addition, Mr. Ferrara’s civic activities include coaching girls basketball for the local Catholic Youth Organization, serving on the Parents’ Executive Council of Loyola College in Maryland, as well as the Inner School Fund for the Cardinal’s Committee for the Archdiocese of New York. Mr. Ferrara is also an active alumnus with Niagara University.

AnneMarie V. Romagnoli has been an adjunct professor at the College of New Rochelle since 1988. She is a former principal and administrator of the Clarkstown School District in New City, New York.

Cheri Mazza has been an associate professor of accounting at Fordham University since September 2000. Prior to joining Forham University, Ms. Mazza was a project manager at the Financial Accounting Standards Board. Ms. Mazza is a certified public accountant and a certified management accountant.

Matthew G. McCrosson is partner in charge of consulting for O’Connor, Davies, Munns & Dobbins, Accountants and Consultangs. Prior to that, Mr. McCrosson was with KPMG Consulting, in the firm’s public services line of business. Mr. McCrosson has served as chief financial officer or chief operating officer of several national and regional not-for-profit organizations.

Susan A. Massaro is Senior Vice President of Scivantage, Inc., a provider of web-based front- and middle-office brokerage solutions. Previously, Ms. Massaro was Executive Vice President in charge of the Information Technology Professional Services business unit at Nova.Corp. from June 2001 until its acquisition by Scivantage in June 2005. From 1996 to June 2001, Ms. Massaro was Senior Vice President at Icon CMT and Qwest Communications International. Icon CMT was acquired by Qwest in December 1998.

William V. Cuddy, Jr. is Senior Vice President of CB Richard Ellis Group, Inc., providing commercial real estate brokerage services to clients in Westchester County, New York, and Fairfield County, Connecticut.