TRUTH IN SAVINGS DISCLOSURE

Online - Simple Checking

The Interest Rate and Annual Percentage Yield is available to be viewed on the Deposit Rate Link for the product you have
selected and is provided to you on the new account confirmation page. All disclosure information is accurate as of the current
date.

This disclosure contains the terms and conditions governing your deposit account.

Astoria Bank reserves the right to require not less than 7 days notice in writing before any withdrawal from an interest bearing
account.

Minimum Balance Required to Open Account:

To open this account with Astoria Bank, you must deposit at least $25.00.

Minimum Balance Required to Avoid Monthly Service Charge:

In order to avoid the imposition of a $ 3.00 monthly service charge on this account you must either:
 Maintain a minimum average monthly balance of $250.00 in your checking account. The average monthly balance
is calculated by adding together each daily closing balance throughout the monthly statement cycle and dividing this
sum by the number of days in the statement cycle; or
 Have direct deposits totaling $250.00 or more credited to your checking account during the current monthly
statement cycle.

Fees:
For a complete list of fees, refer to the "Schedule of Charges & Availability of Funds" brochure.

Rate Information:
This account is a variable rate account. The interest rate and Annual Percentage Yield may change. The interest rate is
determined by Astoria Bank at our discretion. Astoria Bank may change the interest rate on your account daily with no
limitations on this rate change.
The initial interest rate on your account is 0.00 % with an Annual Percentage Yield of 0.00 %.

Compounding and Crediting:

Astoria Bank will compound interest on this account on a monthly basis and interest will be credited to your account on a
monthly basis.

Effect of Closing Your Account:

If you close the account before accrued interest is credited, you will receive the accrued interest.

Balance Computation Method:

Astoria Bank will use the daily balance method to calculate the interest on your account. This method applies a daily periodic
rate to the principal in the account each day.

Accrual of Interest on Non-Cash Deposits:

Astoria Bank begins to accrue interest no later than the business day we receive credit for the deposit of non-cash items (for
example, checks).

Statements:
Astoria Bank will provide a statement reflecting your account activity for the statement cycle. We will not generate a monthly
statement if there has been no activity (checks, deposits, ATM transactions or authorized debits) on your account for the
statement period and will provide a quarterly statement instead. You will continue to receive statements for any month you
have activity. You have the option of receiving your statement electronically or by mail. We may discontinue sending you
statements if we are made aware that mail is no longer deliverable to the account address.

TRUTH IN SAVINGS Personal Simple PAGE 1 OF 1 Feb. 2014 (rev Sept. 2015)
OAC 00035
 EFFECTIVE March 5, 2014
YOUR AVAILABILITY TO WITHDRAW FUNDS AT ASTORIA BANK
Astoria Bank has established time periods for the availability of funds (checks cashed or deposited) in Compliance with Federal
Regulations. In accordance with these regulations, our policy makes some deposits available to pay checks to others or for cash
withdrawals as soon as we receive the deposit and register it in our records.

The availability of other deposits is delayed until the next business day after the day of your deposit, or longer. During the delay, you may
not withdraw the funds in cash and we will not use the funds to pay checks that you have written.

Determining the Availability of a Deposit

The length of the delay is counted in business days from the day of your deposit. Every day is a business day except Saturdays, Sundays
and federal holidays. If you make a deposit to one of our employees before 3:30 p.m. on a business day that we are open, we will consider
that day to be the day of your deposit. However, if you make a deposit after 3:30 p.m. or on a day we are not open, we will consider that the
deposit was made on the next business day we are open.

If you make a deposit at one of our ATMs before 2:00 p.m. on a business day that we are open, we will consider that day to be the day of
your deposit. However, if you make a deposit to one of our ATMs after 2:00 p.m. or on a day we are not open, we will consider that the
deposit was made on the next business day we are open.

The length of the delay varies depending on the type of deposit and is explained below.

1. Same-Day Availability. Funds from electronic direct deposits to your account will be available on the day we receive your deposit.

2. Next-Day Availability. Funds from the following deposits are available on the first business day after the day of your deposit:

- US Treasury checks that are payable to you

- Wire transfers
- Checks drawn on Astoria Bank Checking and Insured Money Maker Accounts (On-Us checks)

If you make the deposit in person to one of our employees, funds from the following deposits are also available on the first business day
after the day of your deposit:

- Cash
- State and local government checks that are payable to you
- Cashier, certified, and teller checks that are payable to you
- Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you

If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be
made available on the second business day after the day of your deposit.

3. Local Checks. Astoria Bank’s policy is to make funds from local checks available as follows:

The first $200 from a deposit of local checks will be available on the first business day after the day of your deposit to pay checks you have
written to others. All of the remaining funds will be available on the second business day after the day of your deposit to pay checks you
have written to others.

The first $200 will also be available for withdrawal in cash on the first business day after the day of your deposit. An additional $400 of the
deposit may be withdrawn in cash at or after 5:00 p.m. on the second business day after the day of your deposit. All the remaining funds
will be available for cash withdrawal on the third business day after the day of your deposit.

For example, if you deposit a local check of $700 on a Monday, $200 of the deposit is available on Tuesday to pay checks to others and to
withdraw in cash. The rest is available to pay checks on Wednesday. At or after 5:00 p.m. on Wednesday, you may withdraw another $400
of the deposit in cash, and you may withdraw the rest in cash on Thursday.

REG CC DISCLOSURE FEB. 1998 (revJune 2015)

OAC 00066 PAGE 1 OF 2
Longer Delays May Apply
Funds you deposit by check may be delayed for a longer period under the following circumstances:

- We believe a check you deposit will not be paid.

- You deposit checks totaling more than $5,000 on any one day.
- You redeposit a check that has been returned unpaid.
- You have overdrawn your account repeatedly in the last six months.
- There is an emergency, such as failure of communications or computer equipment.

We will notify you if we delay your availability to withdraw funds for any of these reasons, and we will tell you when the funds will be
available. They will generally be available no later than the 5th business day after the day of your deposit.

Special Rules for New Accounts

If you are a new customer of Astoria Bank, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash,
wire transfers, and the first $5,000 of a day’s total deposits of cashier, certified, teller, traveler’s and federal, state and local government
checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the
checks must be payable to you. The excess over $5,000 will be available on the sixth business day after the day of your deposit. If your
deposit of these checks (other than US Treasury checks) is not made in person to one of our employees, the first $5,000 will not be
available until the second business day after the day of your deposit.

Funds from all other check deposits will be available on the 7th business day after the day of your deposit.

Holds on Other Funds (Check Cashing)

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are
already in your account. These funds will be available at the time funds from the check we cashed would have been available if you had
deposited it.

Foreign Checks
A check drawn in a foreign currency or on a bank located outside the United States will generally be accepted for collection only. This
means that the funds will neither be credited to the account nor be available for withdrawal until they are received from the bank on which
the check is drawn.

REG CC DISCLOSURE FEB. 1998 (rev June 2015)

OAC 00066 PAGE 2 OF 2
 CHECKING ACCOUNT RULES & REGULATIONS

A checking account (“Account”) maintained at Astoria Bank is subject to and is governed by the terms and conditions set forth herein, as well as the terms and
conditions set forth in other documents, disclosures and brochures, including, but not limited to, the Operating Circulars of the Federal Reserve Board, the
New York Uniform Commercial Code, the Truth in Savings Disclosure, the Schedule of Charges & Availability of Funds brochure, the Regulation E Disclosure
and Electronic Banking Agreement, as may be amended from time to time.

Account Closing by Astoria Bank. Astoria Bank reserves the right to terminate your Account at any time. If your Account is so terminated, Astoria Bank will
mail you a check for the proceeds of your Account to the address of record.

Automated Clearing House (“ACH”) Unauthorized Transactions. Any unauthorized ACH transactions you instruct Astoria Bank to return (bearing the R29
Return Reason Code) must be received by Astoria Bank’s ACH Operator by its deposit deadline for the return entry to be made available to the ODFI
(Originating Depository Financial Institution) no later than the opening of business on the second banking day following the Settlement Date of the original
entry. Accordingly, you are required to promptly notify Astoria Bank of any ACH transactions not authorized by you within 24 hours of receipt of the ACH entry.

ACH Notifications. Under the Operating Rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving
your account, Astoria Bank is not required to give next day notice to you of receipt of an ACH item and we will not do so. However, Astoria Bank will continue
to notify you of the receipt of payments in the periodic statements we provide to you.

ACH Governing Law. Astoria Bank may accept on your behalf payments to your account which have been Transmitted through one or more Automated
Clearing Houses (ACH) and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be
construed in accordance with and governed by the laws of the State of New York as provided by the operating rules of the National Automated Clearing House
Association, which are applicable to ACH transactions involving your account.

Cancelled Check Images. If Astoria Bank requires check truncation your checks will not be returned to you. Checks that are paid, but not returned to you,
will be maintained by Astoria Bank for a period of thirty (30) days. Applicable fees are set forth in Astoria Bank’s most current Schedule of Charges &
Availability of Funds brochure.

Check Notations. Any legend, instruction, restriction or language such as, but not limited to, “not valid after 60 days” , “not valid over $1,000.00” and “without
recourse” that you add, or have printed on your checks, may be disregarded by Astoria Bank and shall not be acknowledged as a condition for the payment or
negotiation of a check. Astoria Bank shall not be liable to you for any claims, costs, losses or damages that result from the placement of any legend,
instruction, restriction or language on a check, or from Astoria Bank disregarding them.

Check Orders. You may order a supply of checks from Astoria Bank. The cost of the checks will vary depending upon the style and quantity of checks
that you order. The fee (including tax and delivery), if applicable, will be automatically debited from your account and will appear on your statement. If
you purchase, order or use checks from a vendor or source other than Astoria Bank’s vendor, such checks may not be honored if they do not meet
required format and encoding specifications. We reserve the right to return any and all such checks and hereby disclaim any and all liability for any and
all damages you may incur as a result of the dishonor of any such check.

Counter Signatures. You agree that if one (1) signor on an account initiates an ACH or other electronic debit, or if a check is converted to an ACH
transaction, and two (2) or more counter signatures are required, Astoria Bank may pay the ACH, other electronic debit or ACH transaction notwithstanding the
absence of the second signature.

Deposited and Cashed Checks. Astoria Bank is authorized to accept for deposit to your Account all checks, drafts and other items properly payable to you,
from any person without questioning the authority of the person making the deposit. Each deposit to your Account is subject to verification and Astoria Bank
may refuse, accept for collection only or return all or part of any deposit. Astoria Bank will generally accept a check drawn in a foreign currency or a bank
outside of the United States for collection only. In this case, the funds will neither be credited nor available for withdrawal until the funds are received from the
bank on which the check is drawn. If you want to deposit or cash a check you will endorse the check properly and you agree that Astoria Bank is under no
obligation to deposit or cash a check which is not made payable to you, but which has been endorsed by the payee, if Astoria Bank is unable to verify to its
satisfaction that the payee’s endorsement and all other endorsements on the check are genuine. If any check that you have deposited or cashed against your
Account is returned and claimed to have a forged signature or forged endorsement, or is materially altered, Astoria Bank may charge any of your accounts with
Astoria Bank for the amount of such check plus any fees, if applicable.

Funds Availability. Astoria Bank has established time periods for the availability of funds (checks cashed or deposited) in compliance with federal
regulations. In accordance with these regulations, Astoria Bank’s policy makes some deposits available to pay checks to others or for cash withdrawals as
soon as Astoria Bank receives the deposit and registers it in its records. The availability of other deposits is delayed until the next business day after the day
of your deposit, or longer. During the delay you may not withdraw the funds in cash, and Astoria Bank will not use the funds to pay checks that you have
written. To determine the availability of a deposit, including when longer delays may apply and special rules (if you are a new customer), refer to Astoria
Bank’s most current Schedule of Charges & Availability of Funds brochure.

Insufficient Funds/Overdrafts. Astoria Bank will determine whether or not your Account contains sufficient funds to pay a check, make an in-person
withdrawal, authorize an ATM withdrawal or process any withdrawal by other electronic means at any time between the time Astoria Bank receives the check,
in-person withdrawal request, ATM withdrawal authorization request or withdrawal by other electronic means and our return deadline, and only one
determination of the Account balance is required. If that determination reveals insufficient available funds to pay the check, make an in-person withdrawal,
authorize an ATM withdrawal or process any withdrawal by other electronic means, Astoria Bank is not required to honor the check or in-person withdrawal
request, authorize the ATM withdrawal or process any withdrawal by other electronic means and may return and/or decline it, in which case you agree to pay a
fee. Alternatively, Astoria Bank may honor the check or in-person withdrawal request, authorize the ATM withdrawal or process any withdrawal by other
electronic means and create an overdraft and impose a fee for paying the overdraft. Whether your overdrafts will be paid is discretionary and we reserve the
right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have
too many overdrafts. You may “opt out” of this overdraft service by calling us at 1-800-ASTORIA (278-6742) or by E-mail at banking@astoriabank.com. In
addition, you may send written notice of your request to Astoria Bank Checking Services Department, One Astoria Bank Plaza, Lake Success, NY 11042-
1085. You are responsible for the full amount of any overdraft and related fees. Applicable fees are set forth in Astoria Bank’s most current
Schedule of Charges and Availability of Funds brochure. Astoria Bank can enforce overdraft liability in a joint account against any joint owner
individually (and each joint owner agrees to be liable for all overdraft liability in a joint account), even if the joint owner did not sign the check, make
the in-person withdrawal or authorize the ATM withdrawal or withdrawal by other electronic means creating the overdraft or receive any benefits
from its proceeds. You agree to deposit sufficient funds to cover the overdraft and the related fee(s) immediately upon notice of the overdraft and to
reimburse Astoria Bank for any costs it incurs in collecting the overdraft from you including, without limitation, reasonable attorneys’ fees and the costs of
litigation to the extent permitted by law. However, the honoring of one or more overdrafts such as those created by check, in-person withdrawal, ATM
withdrawal, or other electronic means does not obligate Astoria Bank to honor any future overdrafts, and you should not rely on Astoria Bank to honor an
overdraft even if Astoria Bank has done so in the past. Moreover, Astoria Bank is not required to send you prior notice of checks returned for insufficient
funds. In addition to the overdraft service described herein, Astoria Bank offers other methods of covering overdrafts on your Account. Refer below to
“Overdraft Protection Plans” for a description of overdraft programs available to you.

Interest-Bearing Account. If your Account earns interest the interest rate is determined by Astoria Bank. Interest will begin to accrue not later than the
business day Astoria Bank receives credit for the deposit of a non-cash item (for example, check) and interest will be compounded and credited monthly.

Lost or Stolen Checks. The loss or theft of checks, whether blank or original paid checks returned to you, must be reported to Astoria Bank immediately.

Minimum Balance Requirements: Your Account is subject to the minimum balance requirements, the minimum transactional activity requirements, if
applicable and to the minimum opening balance requirements set forth in your Truth in Savings Disclosure.

Checking Account Rules and Regulations Page 1 of 2 Mar 1999 (Rev. Sept. 2015)
OAC 00082
Overdraft Protection Plans. If you are enrolled, the Bounce Protection Program (see separate Bounce Protection Program Disclosure Statement) covers
your overdrafts on your Account by the transfer of funds from a specified account maintained at Astoria Bank and designated by you as a source account. Any
transfer created by returned checks, or overdrafts, resulting in a negative available balance in your Account under the Bounce Protection Program will be
subject to a transfer fee and a minimum transfer amount as established by Astoria Bank. The Bounce Protection Program makes available funds you deposit
without delay to the extent that your source account maintains a sufficient available balance to cover such use. All transactions, including fees and transfers,
will be reflected on statements rendered to you. Refer to the Bounce Protection Program Disclosure Statement and Astoria Bank’s most current Schedule of
Charges & Availability of Funds brochure for further details. This program is not an extension of credit and provides only for the transfer of your personal
funds. If you have applied for and have been granted a Line of Credit, such Line of Credit (see separate Line of Credit Disclosure Statement) will cover your
overdrafts on your Account to a maximum of your available line amount. Funds will be advanced from your line to cover any overdraft resulting in a negative
available balance. The line advance will be for the exact amount of the overdraft and will be subject to the fees and interest charges described in the Line of
Credit Disclosure Statement. The advance will be reflected on your Account statement. A separate Line of Credit Statement will be provided detailing fees,
interest charges and re-payment requirements.
Payment of Checks and Other Items. Astoria Bank determines the order of paying withdrawals such as in-person, debit card, Automated Clearing House
(ACH), and checks. Generally, debits made with a debit card will be processed according to a time stamp code that may be assigned to the debit card
transaction at the time it occurs, ACH debits posted in a single day are processed based on the dollar amount – lowest dollar amounts are paid first followed
by higher amounts in ascending order, and inclearing checks presented in a single day will be processed in check number order. However, Astoria Bank is not
obligated to pay these items in this order. The order in which these withdrawals are processed can affect the total amount of overdraft fees you may incur.

Postdated Checks. Astoria Bank reserves the right to pay, or return, any check at any time even if the check is presented for payment prior to the date
written on the check.
Right to Off-Set. Astoria Bank may recover any amount owed to Astoria Bank from any account in your name or from any account you own jointly with
another person (excluding IRA and Keogh accounts), without prior notice to you and irrespective of any contribution to the account, source of funds in the
account or any signature restrictions applicable to the account. If Astoria Bank recovers an amount owed from a Certificate of Deposit account, the amount
withdrawn is subject to any early withdrawal penalties defined in the applicable Truth in Savings Disclosure.
Stale Dated Checks. Astoria Bank reserves the right, but is under no obligation, to pay a check which is presented for payment more than six (6) months after
the date written on the check.
Statements. Astoria Bank will provide a statement reflecting your account activity for the statement cycle. We will not generate a monthly statement if
there has been no activity (checks, deposits, ATM transactions or authorized debits) on your account for the statement period and will provide a quarterly
statement instead. You will continue to receive statements for any month you have activity. You have the option of receiving your statement
electronically or by mail. We may discontinue sending you statements if we are made aware that mail is no longer deliverable to the account address.
Applicable fees are set forth in Astoria Bank’s most current Schedule of Charges & Availability of Funds brochure.
Stop Payments. You may request that payment be stopped on any check (or series of checks) you have written, or Automated Clearing House (“ACH”) debit,
provided the check or debit has not been paid before Astoria Bank has had a reasonable period of time (not less than twenty-four (24) hours) to act upon the
stop payment request. You are responsible to determine whether a check or debit subject to a stop payment order was paid prior to the date you place the stop
payment order. If you place a stop payment order on a check after it has been paid, a stop payment order fee will be assessed, notwithstanding that the check
or debit has been and will remain paid. If you fail to provide us with complete information or if the information you provide is incorrect (for example, the name
of the payee, check number and amount), you agree that we shall not be responsible for any failure to stop payment on such check or debit. You agree to
indemnify and hold Astoria Bank harmless from and against any and all losses, damages and expenses (including court costs and attorneys’ fees), incurred by
Astoria Bank for refusing payment on any check in accordance with your instructions. Additionally, you agree not to hold Astoria Bank liable for payment of
any item contrary to your stop payment order if same occurs through inadvertence or accident and without gross negligence, or by reason of such payment,
other items drawn on your Account are returned insufficient. We reserve the right to charge you a fee for a stop payment order in accordance with Astoria
Bank’s most current Schedule of Charges & Availability of Funds brochure. A request to place a stop payment order will be accepted orally and in writing. If
you place an oral stop payment order, Astoria Bank reserves the right to require you to put your request in writing. You agree that such oral order shall be
binding on Astoria Bank for only fourteen (14) calendar days unless confirmed in writing within that period. A written stop payment order for a check shall be
null and void after six (6) months from the date of the stop payment order, or such earlier time as communicated by Astoria Bank to you, unless renewed at the
expiration of six (6) months. A written stop payment order for an ACH item shall remain in effect until payment has been stopped or until account holder
withdraws the stop payment order, whichever occurs earliest.
Sub-Account. Astoria Bank may, at its discretion, have your account consist of a Master Account and two (2) sub-accounts: (i) Negotiable Order of
Withdrawal (“NOW”) and (ii) Money Market Deposit Account (“MMDA”). Since you access your Account at the Master Account level and do not have direct
access to the sub-accounts, this structure and its operation will not in any manner affect your use of your Account, the interest earned on your Account, the
fees charged or the deposit insurance coverage afforded you by the Federal Deposit Insurance Corporation (“FDIC”). Statements reflecting Master Account
activity, charges and fees associated with your Account and the balance in the Master Account shall be rendered to you (refer to section titled Statements
herein for specific information regarding statement cycles). You agree to review such statements within a reasonable time after receipt, and to notify Astoria
Bank immediately if any of the withdrawals, deposits or other items appears to be incorrect. Astoria Bank may, at its discretion, from time-to-time, transfer
balances within the Master Account between the NOW account and the MMDA. Each day the Master Account will be analyzed and excess balances, if any,
will be transferred to the MMDA sub-account. If, at any time during a monthly statement cycle, there is a shortfall in the NOW sub-account balance, funds, up
to the entire MMDA sub-account balance, will be transferred from the MMDA sub-account to the NOW sub-account to cover the shortfall. This process will
continue during the monthly statement cycle until the sixth transfer during such cycle from the MMDA sub-account to the NOW sub-account. For the
remainder of the monthly statement cycle, no further transfers will occur into or out of the MMDA sub-account.
Substitute Checks. To make check processing faster, federal law permits banks to replace original checks with “substitute checks”. These checks are
similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute checks states: “This is a
legal copy of your check. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the
original check. Some or all of the checks you receive back from Astoria Bank may be substitute checks. The following describes rights you may have when
you receive substitute checks from Astoria Bank. These rights do not apply to original checks or to electronic debits to your Account. However, you have
rights under other laws with respect to those transactions. NOTE: The rights contained herein only apply to an account used primarily for personal,
family or household purposes (“consumer account”). Substitute Check Rights: In certain cases, federal law provides a special procedure that allows
you to request a refund for losses you suffer if a substitute check is posted to your Account (for example, if you think that Astoria Bank withdrew the wrong
amount from your Account or that Astoria Bank withdrew money from your Account more than once for the same check). The losses you may attempt to
recover under this procedure may include the amount that was withdrawn from your Account and fees that were charged as a result of the withdrawal (for
example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check,
whichever is less. You are also entitled to interest on the amount of your refund if your Account is an interest-bearing account. If your loss exceeds the
amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure you may receive up to $2,500.00 of
your refund (plus interest if your Account earns interest) within ten (10) business days after Astoria Bank received your claim and the remainder of your refund
(plus interest if your Account earns interest) not later than forty-five (45) calendar days after Astoria Bank received your claim. Astoria Bank may reverse the
refund (including any interest on the refund) if Astoria Bank is later able to demonstrate that the substitute check was correctly posted to your Account. Claim
for Refund: If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your Account, telephone
Astoria Bank at 1-800-ASTORIA (278-6742), or write to Astoria Bank Checking Services Department, One Astoria Bank Plaza, Lake Success, NY 11042-
1085. You must contact Astoria Bank within forty (40) calendar days of the date that Astoria Bank mailed (or otherwise delivered by means to which you
agreed) the substitute check in question or your Account statement showing that the substitute check was posted to your Account, whichever is later. We will
extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) A description of why
you suffered a loss (for example, you think the amount withdrawn was incorrect), (ii) An estimate of the amount of your loss, (iii) An explanation of why the
substitute check you received is insufficient to confirm that you suffered a loss and (iv) A copy of the substitute check (and/or) the following information to help
us identify the substitute check : identifying information (for example, the check number, the name of the person to whom you wrote the check, the amount of
the check).
Withdrawal Refusal. Astoria Bank may refuse to pay checks drawn upon, or refuse any other withdrawal request, from your Account under, but not limited to,
the following circumstances:
-If there are insufficient funds in your Account or funds are not yet available (refer to Astoria Bank’s most current Schedule of Charges & Availability of Funds
brochure to determine the availability of a deposit).
-If Astoria Bank has been ordered to restrain your Account by a court or other legal process (for example, restraining notice, levy or execution).
-If Astoria Bank has been notified of a dispute relating to your Account, unless Astoria Bank is ordered by a court to permit a withdrawal.
-If Astoria Bank has suspicion of fraud or irregularity.
-If your signature on a check or other withdrawal request does not compare favorably with your signature on Astoria Bank’s records and/or if you refuse to
provide Astoria Bank with appropriate identification or any other information requested.
-If your Account is pledged as collateral for a loan.
-If Astoria Bank chooses to exercise its right to require seven (7) days advance written notice of any withdrawal or transfer of any funds from your Account.

Checking Account Rules and Regulations Page 2 of 2 Mar 1999 (Rev. Sept. 2015)
OAC 00082.Pg2
 REGULATION E DISCLOSURE and ELECTRONIC BANKING AGREEMENT

Astoria Bank (“Astoria”), One Astoria Bank Plaza, Lake Success, New York 11042-1085 hereby issues an Electronic Banking product or service in your name and if your account has been
opened by more than one person, to each of you. Throughout this Agreement the words “Gold Debit card”, “CashCard”, “Telephone Banking”, “Automated Clearing House Transactions (“ACH”)”
refer to Electronic Banking Products or Services and the words “you”, “your” and “yours” refer to the person issued an Electronic Banking product or service as well as any joint cardholder; the
words “we”, “us” and “our” refer to Astoria. Please read this Agreement carefully, as it outlines important information regarding the rights and responsibilities of both the consumer and the
financial institution.

ACCEPTANCE:
This Agreement governs the Electronic Banking Product or Service issued for the account(s) which you maintain with us and describes other Electronic Fund Transfer Services offered by Astoria.
Please read it carefully. You will be bound by this Agreement and its terms, conditions and limitations. Your activation of any Electronic Banking Product and Service or authorization of an ACH
transaction constitutes acceptance of this Agreement.

ELECTRONIC BANKING:
® ®
Astoria is a member of the NYCE Corporation (NYCE ) and CIRRUS networks for the purpose of making Electronic Banking products available to our depositors. Accordingly, customers of
Astoria may have access to Electronic Banking worldwide.
Astoria is also a participant in the Automated Clearing House and, through the use of this system, customers can arrange for preauthorized recurring withdrawals from, or deposits to, certain
savings or transaction accounts (checking or NOW) at Astoria. These transactions can include, for example, automatic payment of recurring bills, like loan payments, or the receipt of recurring
deposits, like paychecks or benefits received from various federal, state or local agencies, like social security benefits.

GOLD DEBIT CARD ACTIVATION: PERSONAL IDENTIFICATION NUMBER (PIN):

You cannot use the Gold Debit card to transfer money into or out of your account until you activate it. You can activate your Gold Debit card at any ATM by performing any transaction using the
PIN you selected when requesting the card. Or, you can also activate the card by calling 1-800-ASTORIA (1800-278-6742), 24 hours a day. If you did not select a PIN at the time your card was
requested, you will receive a PIN notification within (7) seven days of receiving your card. Upon receipt of the PIN notification, follow the simple instructions enclosed.
Your PIN serves as confirmation of your identity and must be used in conjunction with your Gold Debit card to access your account at authorized Electronic Banking locations.
You are responsible for the security of your Gold Debit card and your PIN. You should keep your PIN separate from your card to reduce the chance that your card, if lost or stolen, will be used by
an unauthorized individual.
All Electronic Banking transactions will be processed in accordance with the respective banking laws governing Astoria and the authorized Electronic Banking location.
For ACH transactions, preauthorized deposits can be initiated by coming to your nearest Astoria banking office and completing the necessary authorization forms to commence deposits.
Preauthorized withdrawals should be arranged with the creditor or person to whom such payment will be made. That creditor, party or their bank must also be a participant in the ACH network.
Astoria reserves the right to cancel a card not activated within 90 days of issuance without prior notice.

BUSINESS DAY DISCLOSURE:

For the purposes of these disclosures, our business days are Monday through Friday. Holidays are not included.
Electronic Banking withdrawal and purchase transactions will be immediately reflected in your available account balance. Deposits processed at Astoria Bank’s Express 24 Banking Centers
before 2:00 P.M. Monday through Saturday (non-holidays) will be reflected in your account balance the next day. Deposits received after 2:00 PM Monday through Saturday, all day Sunday and
on legal holidays will be considered received on the next business day. All deposits will be made available in accordance with Astoria Bank Schedule of Availability of Funds.
For loan payments, transactions received at Express 24 Banking Centers after 1:00 P.M. Monday through Saturday (non-holidays), all day on Sunday and on legal bank holidays will NOT be
processed until the next business day. Any late payments will be subject to applicable fees.
For ACH transactions, withdrawals and deposits are posted on the effective day communicated to Astoria by the initiator of the transaction.

WHO MAY USE THE CARD:

The Gold Debit card and CashCard can be used for banking transactions only by the account owner to whom the card was issued. Your card must be signed in the same manner in which you
signed the signature card to open your account. If your account is jointly owned, a Gold Debit card or CashCard will be issued to the co-owner and it must be signed accordingly.

Debit Card Purchase Transactions

Your Gold Debit card bears the Visa® logo. You may make purchases wherever Visa debit cards are accepted (“Gold Debit card Purchase Transactions”). These transactions are Point of Sale
(POS) transactions which will NOT require you to use your Secret PIN code. References in this Agreement to a “POS transaction” will include Gold Debit card Purchase Transactions unless we
expressly indicate otherwise.

ACCOUNT ACCESS, CARD USE AND LIMITATIONS:

1. Gold Debit card and CashCard
A Gold Debit card or CashCard is issued for Electronic Banking access on the following account types:
a) Checking accounts.
b) Statement Savings accounts.
c) Insured Money Maker Accounts.

You may use your Gold Debit card to perform the following transactions:
a) Cash withdrawals.
b) Deposits (Only available at Astoria Bank’s Express 24 Banking Centers).
c) Account balance inquiries.
d) Funds transfers.
e) Loan Payments (Consumer and Mortgage, only available at Astoria Bank’s Express 24 Banking Centers).
f) PIN based transactions and purchases.
g) Signature based Point of Sale transactions and purchases* (checking account access only).
h) Cash advances*
* Purchase Transactions available for Gold Debit cards only.

Daily Dollar Transaction Limits

Gold Debit card
Purchase Cash
Card Type Transactions ATM Advance POS

Gold Debit $2,000 $500 $1,000 $1,000

CashCard 0 $500 0 $500
CashCard (for ages 13-17 w/ Start Checking) 0 $100 0 $250

2. Telephone Banking:
Telephone Banking is available for Electronic Banking access on the following account types:
a)Checking accounts.
b)Statement Savings accounts.
c)Insured Money Maker Accounts.

You may access your account(s) by telephone to perform the following transactions:
a) Account balance and history inquiries.
b) Transfer of funds between accounts.

All transactions at Electronic Banking locations require that the available balance in the account be sufficient to cover the amount requested. The balance in the account must also be sufficient
to cover the amount of any earlier uncollected checks which you may have cashed or against which you may have received cash back. Other account relationships with Astoria have no bearing
on the available balance requirement of these transactions.
Accounts selected for ATM and/or POS activity may experience overdraft situations as a result of pre-authorized ACH items, checks negotiated by either the account owner(s) or third party
payees or by the application of ATM and/or POS activity.

In the event that the application of ATM and/or POS transactions would create an overdraft situation, Astoria reserves the right to collect any amount necessary to cover the ATM and/or POS
transactions from any other account(s) which the cardholder maintains. Any such collections will be performed prior to executing all other customer-generated transactions to the account in
question and shall be applied at the sole discretion of Astoria. In addition, this right does not limit or waive any other rights, stated or implied which Astoria may have or exercise in its attempts to
recover any amounts due.
You may authorize ACH transactions to perform the following transactions:
a) Preauthorized deposits.
b) Preauthorized withdrawals.

SERVICE CHARGES:
We reserve the right to charge you fees for Electronic Banking or ACH transactions in accordance with Astoria's "Schedule of Charges" in effect at the time of the transaction.
You may also be imposed a fee by an ATM operator and any national, regional or local network utilized to effect the transaction, if you initiate a transaction at an ATM that is not an Astoria
Bank Express 24 Banking Center.

REGULATION E DISCLOSURE and ELECTRONIC BANKING AGREEMENT Start Simple June 2017 (pg.1) FEB. 1996 (rev June
2015)
OAC 00016 Page 1 of 2
TRANSACTIONS MADE IN FOREIGN CURRENCY:
If you make a transaction in a foreign currency the amount of the transaction will be converted by Visa into U.S. dollars. Visa will comply with their operating regulations or foreign currency
conversion procedures then in effect. Currently, Visa uses either a government-mandated exchange rate or selects a wholesale exchange rate. The government-mandated exchange rate or
wholesale exchange rate Visa uses for a particular transaction is the rate Visa selects for the applicable currency on the day the transaction is processed, which may differ from that applicable to
the date the transaction occurred or when the transaction posted to your account. You will be charged a foreign transaction fee, in addition to any other Debit Card Fees, in accordance with
Astoria Bank’s “Schedule of Charges” in effect at the time of the transaction.

LOST OR STOLEN CARD, UNAUTHORIZED TRANSACTIONS:

You agree to notify Astoria Bank immediately if you believe your Gold Debit card or CashCard is lost or stolen, or that someone has transferred or may transfer money from your account
without your permission. You may notify us by calling 1-800-ASTORIA (1-800-278-6742) 24 hours a day, seven days a week. You may also notify us in writing in the event that your card
is lost or stolen by forwarding written notification to Astoria Bank’s Electronic Delivery Department, One Astoria Bank Plaza, Lake Success, New York 11042-1085.
If your Gold Debit card or CashCard is lost or stolen, or if you believe that an unauthorized Electronic Banking transaction has occurred with respect to your account, we may require you
to close any account for which you had Electronic Banking access. In the case of a lost or stolen Gold Debit card or CashCard, you will be required to sign an affidavit prior to the closing
of the account and/or the issuance of a replacement card. We retain the right to impose a service charge to cover the administrative costs incurred in this process in accordance with
Astoria's "Schedule of Charges" in effect at the time of the replacement and/or the account closing.
LIABILITY FOR UNAUTHORIZED GOLD DEBIT CARD PURCHASE TRANSACTIONS:
Tell us AT ONCE if you believe your Gold Debit card has been lost or stolen or of any unauthorized transactions. Your liability for unauthorized use of your Gold Debit card when it is used
for Gold Debit card Purchase Transactions will not exceed zero dollars ($0.00) if the conditions set forth below have been met.
Zero liability will apply only if:
a) You can demonstrate that you have exercised reasonable care in safe-guarding your card from risk of loss, theft, or unauthorized use.
b) You have not reported two (2) or more incidents of unauthorized use to us within the preceding twelve (12) months.
c) Your account is in good standing.
If the transaction does not meet the conditions set forth above, these limits with respect to the unauthorized transactions may be exceeded to the extent allowed under applicable law (see
LIABILITY DISCLOSURE paragraph below).
LIABILITY DISCLOSURE:
Tell us AT ONCE if you believe that your Gold Debit card or CashCard has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the
money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days you can lose no more than $50 if someone used your Gold Debit card or
CashCard without your permission.
If you do NOT tell us within 2 business days after you learn of the loss or theft of your Gold Debit card or CashCard and we can prove that we could have stopped someone from using
your card without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money
you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay)
kept you from telling us, we will extend the time periods.
You may notify us by calling 1-800-ASTORIA (1-800-278-6742) 24 hours a day, seven days a week.
EXPIRATION OF CARD:
The privilege to use your Gold Debit card and CashCard for banking transactions will automatically expire on the expiration date shown on the card, if applicable. You authorize us to mail
you a renewal card upon or prior to the expiration date of any card issued to you pursuant to this Agreement. When we issue a new gold debit card with a different number or expiration
date, we may provide information to merchants with whom you have reoccurring/stored preauthorized transactions. Astoria shall have no obligation to renew your Gold Debit card or
CashCard and may terminate your card privileges prior to expiration at any time, with or without cause.

ACH transactions will continue to be processed with respect to your account until you notify us directly or through the ACH network that you no longer authorize future ACH transactions.
Astoria reserves the right to terminate ACH transaction processing on any account. Notice of such termination will be sent by first class mail to the customer at the address on the records
of Astoria.
RIGHT TO AMEND OR TERMINATE:
Astoria may change this Agreement at any time. We will mail you a copy of any changes by ordinary First Class mail. You must notify us within thirty (30) days of your non-acceptance of
the changes. If you do not, or if you use your Electronic Banking product or Service after you receive any notice of change, you will have agreed to the changes.
The use of your Electronic Banking Product and Service and the privileges associated with it can be canceled by us at any time for whatever reason we decide and without prior notice to
you. The Gold Debit card and CashCard remain the property of Astoria, and if we ask, you must return it to us.
ACCOUNT CANCELLATION:
You must surrender your Gold Debit card or CashCard 48 hours prior to closing any account for which you had Electronic Banking access. If you cannot surrender your card, you must
maintain, for three (3) business days, a minimum balance equal to the maximum cash that is available to you via Electronic Banking.
DISHONORED CARDS:
You agree that all defenses, rights and claims you have or may have against any merchant or other company honoring the Gold Debit card or CashCard will not be asserted against
Astoria. We shall have no responsibility for refusal of any person, including Astoria, to honor the Gold Debit card or CashCard in connection with any transactions you attempt to originate.
ACCOUNT INFORMATION DISCLOSURE:
We will disclose information to third parties about your account or the transfers you make:
a) Where it is necessary for completing transfers, OR
b) In order to verify the existence and conditions of your account for a third party, such as a credit bureau or merchant, OR
c) In order to comply with government agency or court orders, OR
d) If you give us your written permission.
DOCUMENTATION OF TRANSFERS:
a) TERMINAL TRANSFERS: You can get a receipt at the time you make any transfer to or from your account using one of Astoria Bank’s Express 24 Banking Centers.
b) PERIODIC STATEMENTS: For Checking, Insured Money Maker and Statement Savings accounts, you will get a monthly account statement.
c) PREAUTHORIZED CREDITS: If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, the person or
company making the deposit will tell you every time they transfer money into your account. You can call us at 1-800- ASTORIA (1-800-278-6742) to find out whether or not the deposit
has been made.
d) PASSBOOK ACCOUNT WHERE THE ONLY POSSIBLE ELECTRONIC FUND TRANSFERS ARE PREAUTHORIZED CREDITS: If you bring your passbook to us, we will record any
Electronic Deposits that were made to your account since the last time you brought in your passbook.
LIABILITY FOR FAILURE TO MAKE TRANSFERS:
If we do not complete a transfer to or from your account on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages. However,
there are some exceptions. We will not be liable, for instance:
-If, through no fault of ours, you do not have enough money in your account to make the transfer.
-If the transfer will go over the credit limit on your overdraft line.
-If the automated teller machine where you are making the transfer does not have enough cash.
-If the terminal was not working properly and you knew about the breakdown when you started the transfer.
-If circumstances beyond our control (such as fire, flood or equipment malfunction) prevent the transfer, despite reasonable precautions that we have taken.
-If your account is subject to legal process or a lien or other encumbrance restricting the transfer.
ELECTRONIC CHECK CONVERSION (ECK): You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from
your check to: (a) pay for purchases; (b) pay bills.
DISCLOSURE OF RIGHT TO STOP PAYMENT OF PREAUTHORIZED TRANSFERS, PROCEDURE FOR DOING SO, FINANCIAL INSTITUTION'S LIABILITY FOR FAILURE TO STOP
PAYMENT, AND RIGHT TO RECEIVE NOTICE OF VARYING AMOUNTS:
a) RIGHT TO STOP PAYMENT AND PROCEDURE FOR DOING SO: If you have told us in advance to make regular payments out of your account, you can stop any of these payments.
Here's how: Call us at 1-800-ASTORIA (1-800-278-6742), or write us at: Astoria Bank's Electronic Delivery Department, One Astoria Bank Plaza, Lake Success, New York 11042-1085, in
time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put the request in writing and get it to us
within 14 days after you call. We will charge you for each stop payment order a fee, in accordance with Astoria's "Schedule of Charges" in effect at the time of the transaction.
b) LIABILITY FOR FAILURE TO STOP PAYMENT OF PREAUTHORIZED TRANSFER: If you order us to stop one of these payments 3 business days or more before the transfer is
scheduled, and we do not do so, we will be liable for your losses or damages, unless we require you to put your request in writing and you fail to get it to us within 14 days after you call.
c) NOTICE OF VARYING AMOUNTS: If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and
how much it will be.
ERROR RESOLUTION:
In case of errors or questions about your Electronic Transfers, Telephone us at 1-800-ASTORIA (1-800-278-6742), OR write us at: Astoria Bank's Electronic Delivery Department, One
Astoria Bank Plaza, Lake Success, New York 11042-1085. Do so as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer
listed on your statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Please give us the following
information:
-Tell us your name and account number.
-Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
-Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45
calendar days (90 calendar days for new accounts, POS and foreign transactions) to investigate your complaint or question. If we decide to do this, we will credit your account within 10
business days (20 business days for new accounts) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.
If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.
We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for
copies of the documents that we used in our investigation.

June 2017

REGULATION E DISCLOSURE and ELECTRONIC BANKING AGREEMENT Start Simple FEB. 1996 (rev May 2014)
SP00016.pg2 Page 2 of 2
REGULATION E DISCLOSURE AND ONLINE BANKING WITH BILL PAY AND ASTORIA PEOPLE
PAY AGREEMENT

Astoria Bank ("Astoria Bank"), One Astoria Bank Plaza, Lake Success NY 11042-1085 hereby authorizes
the use of Astoria Bank Online Banking ("Online Banking with Bill Pay and Astoria People Pay") in your
name and if your account has been opened by more than one person, to each of you. Throughout this
agreement the words "user", "you", "your" and "yours" refer to the person authorized to use Online
Banking with Bill Pay and Astoria People Pay as well as any joint account holder; the words "we", "us"
and "our" refer to Astoria Bank. Please read this agreement carefully, as it outlines important information
regarding the rights and responsibilities of both you and Astoria Bank.

ACCEPTANCE: The terms of this agreement govern the use of Online Banking with Bill Pay and Astoria
People Pay and apply whenever you use Online Banking, Bill Payment or People Payment services to
access account(s) you maintain with us and/ or transfer funds. Please read it carefully. You will be bound
by this agreement and its terms, conditions and limitations. Your use of Online Banking with Bill Pay and
Astoria People Pay constitutes acceptance of this agreement.

When you access or use, or permit another person or entity to access or use Online Banking with Bill Pay
and Astoria People Pay, you agree to the terms and conditions of this agreement. From time to time,
Astoria Bank may amend or change this agreement (including changes to applicable fees or service
charges) in its sole discretion, by providing you with written notice via electronic mail, postal mail or by
posting the updated terms on the sites. You should access and review this agreement on a regular basis.
In our sole discretion, Astoria may also introduce new features, modify or eliminate existing features to
this service. If we are required by law, we will notify you of such changes. Your usage of new or modified
features will be deemed your consent to the rules governing such features. If you find the agreement is
unacceptable at any time, then discontinue your use of Online Banking with Bill Pay and Astoria People
Pay. After any changes become available, your continued use will be considered your consent to such
change. By using this service, you further agree that Astoria may electronically send all notices or other
communications required arising under this agreement to any electronic email address we have or
provided by you or in any other manner permissible by law, including but not limited to posting on our
website. By providing your mobile telephone number, you grant Astoria permission to use that number to
contact you via text messaging, voice messages and automatic dialing technology.

This agreement grants you, for your personal use only, a nonexclusive, limited and revocable right to
access and use Online Banking with Bill Pay and Astoria People Pay. You agree that you will not use this
service for any other purpose, including commercial purposes, such as co-branding, framing, linking or
reselling any portion of the service without prior written consent. You further agree that you will not use
this service for international ACH (Automated Clearing House) transactions, which are prohibited under
this agreement. In addition, you agree not to use this service to send or receive funds from anyone to
whom you are obligated for tax payments, payments pursuant to court orders, fines, payments to loan
sharks, gambling debts or any other payments that are prohibited by law.

COMPUTER EQUIPMENT; BROWSER ACCESS AND INTERNET SERVICES: You are responsible for
obtaining, installing, maintaining and operating all software, hardware or other equipment (collectively,
"System") necessary for you to access and use Astoria Bank's Online Banking with Bill Pay and Astoria
People Pay. This responsibility includes, without limitation, your utilizing up to date web-browsers and the
best commercially available encryption, antivirus, anti-spyware, and internet security software. You are
additionally responsible for obtaining Internet services via the Internet service provider of your choice, for
any and all fees imposed by such Internet service provider and any associated communications service
provider charges. You acknowledge that there are security, corruption, transmission error, and access
availability risks associated with using open networks such as the Internet and you hereby expressly
assume such risks, You acknowledge that you are responsible for the data security of the Systems used
to access Online Banking with Bill Pay and Astoria People Pay, and for the transmission and receipt of
information using such Systems. You acknowledge that you are using Online Banking with Bill Pay and

OAC – Reg E & Online Banking with Bill Pay People Pay March 2017
Astoria People Pay for your convenience and you have made your own independent assessment of the
adequacy of the Internet and Systems and that you are satisfied with that assessment. We are not
responsible for any errors or problems that arise from the malfunction or failure of the Internet or your
Systems nor are we responsible for notifying you of any upgrades, fixes, or enhancements to, or for
providing technical or other support for your Systems. Although we may provide a link to a third party site
where you may download software, we make no endorsement of any specific software, hardware or
Internet Service Provider and your use of any such software, hardware or service may also be subject to
the license or other agreements of that provider, in addition to the terms and conditions of this
Agreement.

PASSWORDS: We may at our option change the parameters for the password used to access and use
Online Banking with Bill Pay and Astoria People Pay ("Password") without prior notice to you, and if we
do so, you will be required to change your password the next time you access Online Banking with Bill
Pay and Astoria People Pay. To prevent unauthorized access to your accounts and to prevent
unauthorized use of the Bill Pay or Astoria People Pay, you agree to protect and keep confidential your
Card number, account number, PIN, User ID, Password, or other means of accessing your accounts. The
loss, theft, or unauthorized use of your Card numbers, account numbers, PINs, User IDs, and Passwords
could cause you to lose some or all of the money in your accounts, plus any amount available under your
overdraft protection credit line. It could also permit unauthorized persons to gain access to your sensitive
personal and account information and to use that information for fraudulent purposes, including identity
theft. If you disclose your Card numbers, account numbers, PINs, User IDs, and/or Passwords to any
person(s) or entity, you assume all risks and losses associated with such disclosure. If you permit any
other person(s) or entity to use Online Banking with Bill Pay and Astoria People Pay or to access or use
your Card numbers, account numbers, PINs, User IDs, Passwords, or other means to access your
accounts, you are responsible for any transactions and activities performed from your accounts and for
any use of your personal and account information by such person(s) or entity. If you believe someone
may attempt to use or has used Online Banking with Bill Pay and Astoria People Pay without your
permission, or that any other unauthorized use or security breach has occurred, you agree to immediately
notify us at 1-800-ASTORIA (1-800-278-6742).

ASTORIA BANK'S ONLINE BANKING WITH BILL PAY AND ASTORIA PEOPLE PAY: The following
Online Banking with Bill Pay services are available to you and may be performed by you when you use
Online Banking with Bill Pay with your password:

• Obtain real time balances, history and other information for Checking, Statement Savings, Insured
Money Maker ("IMMA") and other accounts.
• Obtain Home Equity and Line of Credit balances, history and other information.
• Make loan payments to Checking Lines of Credit and Home Equity Lines of Credit that have been linked
for access through Online Banking with Bill Pay.
• Transfer funds between accounts that have been linked for access through Online Banking with Bill Pay
and Astoria People Pay.
• Schedule a onetime transfer or transfers to automatically occur on a regular basis.

Note: Transfers made from a Savings or an Insured Money Maker Account (“IMMA”) is subject to certain
limitations. Federal regulations require us to limit the number of transfers and withdrawals per cycle from
your Account. The type of transactions that are limited are, transfers that you make to another Account
with us or to a third party by means of a preauthorized or automatic payment including an order received
through the Automated Clearing House, telephone transfers, Point of Sale (“POS”) transactions and
transfers authorized using Online Banking with Bill Pay and Astoria People Pay. The maximum number of
transactions of these types is limited to six (6) per cycle.

• Send an Electronic Communication ("E-Mail") to Astoria Bank's Customer Care Department.

• Pay bills or send money to selected payees from your checking account(s).
• File export capabilities to Intuit® Quicken, or a spreadsheet program.

OAC – Reg E & Online Banking with Bill Pay People Pay March 2017
The following Astoria People Pay services are available to you and may be performed by you when you
have enrolled for People Pay through Online Banking with Bill Pay with your password:

• Make person to person payments electronically or by check to anyone using their e-mail address or
mobile phone from Online Banking with Bill Pay and Astoria People Pay by the following payment
methods:

(a) Deposit in 1-3 days to account: By providing the recipient’s bank account and routing information
of the recipient’s bank account, payment can be deposited directly into the recipients account.
Once you have provided your authorization for the transfer, the electronic transfer cannot be
cancelled;
(b) Mail a Check: By providing the recipient’s U.S. mailing address, payment can be sent as a Direct
Check. A Direct Check has Astoria Bank’s routing number and your account number as the
funding account. Direct Check payment may be canceled if the check has not cleared by
telephoning us at 1-800-ASTORIA (1-800-278-6742) to place a Stop Payment on the check.
After (90) days, these checks are not negotiable and considered stale; or
(c) Send to E-mail or mobile number: By providing the recipient’s email or mobile number, you can
permit your recipient of the payment to choose the method to receive the payment. An e-mail
or text message with instructions will be sent to your recipient detailing how to claim the payment.
You may edit or cancel this payment while it is in unclaimed status. It cannot be canceled if the
payment has been claimed, declined or expired. Your recipient has 10 days to claim the payment
before it expires. When the payment expires the recipient can no longer claim the funds and will
need to contact you to resend the payment.

• Create contacts to make payments

• Pay anyone with an e-mail address or mobile phone number even if they are not set up as a contact.
• Monitor outgoing payments by viewing recent payment activity with the ability to cancel if payment
hasn’t been claimed, declined, or expired.
• Monitor and claim incoming payments.
• Decline a payment by entering a message to the sender and the funds will be returned.

ACCESSING ONLINE BANKING WITH BILL PAY AND ASTORIA PEOPLE PAY: You will be able to
access your accounts linked to Online Banking with Bill Pay and Astoria People Pay using your
password. You will be able to access Astoria People Pay with the Pay People icon or through the Pay
and Transfer menu located on the landing page in Online Banking with Bill Pay using your password.
Your password serves as confirmation of your identity and must be used when accessing Online Banking
with Bill Pay and Astoria People Pay. You are responsible for the security of your password. You should
keep your password confidential to reduce the chance that your account(s) will be accessed by
unauthorized individuals.

ELECTRONIC COMMUNICATION WITH ASTORIA BANK: Users of Online Banking with Bill Pay and
Astoria People Pay may communicate with us via email. When communicating with us electronically, you
agree that you will not use the service for any purpose that is unlawful, obscene, abusive, defamatory or
threatening. You further agree that transmissions of confidential business and sensitive personal
information is at your sole risk and that we reserve the right to monitor and review transmissions online
and in storage, and to remove or reject any material which we, at our sole discretion, believe may be
unlawful or objectionable, without prior notice to the user.

BUSINESS DAY DISCLOSURE: For the purpose of these disclosures, our business days are Monday
through Friday. Holidays are not included.

TERMS AND CONDITIONS FOR ACCOUNT TRANSFERS, BILL PAYMENTS AND PEOPLE PAY
PAYMENTS:

OAC – Reg E & Online Banking with Bill Pay People Pay March 2017
Online Banking with Bill Pay may be used to transfer funds between the following account types if linked
to Online Banking with Bill Pay:

• Checking accounts.
• Statement Savings accounts.
• IMMA accounts.

Online Banking with Bill Pay may be used to make loan payments to the following loan types if linked to
Online Banking with Bill Pay:

• Checking Lines of Credit.

• Home Equity Lines of Credit.
You may access all account types and lines of credit if linked to Online Banking with Bill Pay to:
• View account balances, history and other information.
• View line of credit balances, history and other information.
Astoria People Pay may be used to transfer funds between your Astoria account and the bank account of
your recipient of the funds.

Withdrawal transactions online require that the available balance in the account be sufficient to cover the
amount requested. The balance in the account must also be sufficient to cover the amount of any earlier
uncollected checks which you may have cashed or against which you may have received cash back.
Other account relationships with Astoria Bank have no bearing on the available balance requirement of
these transactions.

Accounts selected for Online Banking with Bill Pay and Astoria People Pay may experience overdraft
situations as a result of pre-authorized Automated Clearing House ("ACH") items, checks negotiated by
either the account owner(s) or third party payees or by the application of ATM and/or Point of Sale
("POS") activity. In the event that the application of ATM and/or POS transactions would create an
overdraft situation, Astoria Bank reserves the right to collect any amount necessary to cover the ATM
and/or POS transaction from any other account(s) which you maintain and charge you a fee, in
accordance with Astoria Bank's "Schedule of Charges". Any such collections will be performed prior to
executing all other customer generated transactions to the account in question and shall be applied at the
sole discretion of Astoria Bank. In addition, this right does not limit or waive any other rights, stated or
implied which Astoria Bank may have or exercise in its attempts to recover any amounts due.

BILL PAYMENT AND PEOPLE PAY TRANSACTIONS: Users of Online Banking, Bill Payment and
Astoria People Pay services must maintain a checking account (funding account) and agree to the
following terms and conditions. The user's use of bill and people payment services constitutes agreement
to these terms and conditions:

1. The user agrees to accurately follow product use instructions.

2. The user agrees to schedule bill payments (transmit date) at least (5) to (7) business days in advance
of the due date, not including any grace periods. Astoria Bank shall not be responsible for any late
charges, finance charges, or other associated fees as a direct result of any late payments. Payments may
be scheduled up to (364) days in the future. Bill payments may be scheduled same day, weekly, bi-
weekly, monthly, bi-monthly, semi-monthly, quarterly, semi-annually or annually. The user agrees and
authorizes Astoria Bank to initiate ACH debits to the user's account for bill payment transactions. All
payments will be remitted on the payment transmit date entered to the appropriate payees, either by ACH
("electronically") or by check if the payee is not able to accept electronic remittances. Funds will be
deducted from your account within (2) business days. All checks will be mailed using the U.S. Postal
Service, First Class Mail. Users shall be able to review, change and cancel scheduled future or recurring

OAC – Reg E & Online Banking with Bill Pay People Pay March 2017
payments. Stop Payments and reissues for check payments will be accepted beginning (5) business days
after the date that you authorized payment to the payee. In situations where it is apparent that the
payment is going or has gone to the wrong address, wrong payee, etc., we will accept stops and reissues
immediately. You may notify us by calling 1-800-ASTORIA (1-800-278-6742) (24) hours a day, (7) days a
week or by E-Mail at banking@astoriabank.com. In addition, you may send written notification to Astoria
Bank's Electronic Delivery Department, One Astoria Bank Plaza, Lake Success, NY 11042-1085. If you
call, we may also require you to put the request in writing and get it to us within (14) days after you call.
We will charge you a transaction fee for each stop payment order, in accordance with Astoria Bank's
"Schedule of Charges" in effect at the time of the transaction. Electronic payments, already transmitted,
cannot be stopped.

3. The user agrees to provide the payee's correct name, address, account number, payment amount
and email address or mobile number.

4. The user agrees and understands that we will make every effort to remit bill payments electronically to
payees capable of receiving electronic payments. Payees not capable of accepting electronic bill
payments will be issued a check drawn on Astoria Bank's processor, FIS (Metavante Corporation), on
your behalf. After (90) days, these checks are not negotiable and considered stale.

5. The user agrees and authorizes Astoria Bank to initiate ACH debits to the user's account for people
payment transactions. All payments will be remitted on the payment transmit date entered to the
appropriate payees, either by ACH ("electronically") or by check when Direct Check is requested. Funds
will be deducted from your account within (2) business days. All checks will be mailed using the U.S.
Postal Service, First Class Mail. Stop Payments and reissues for check payments will be accepted
beginning (5) business days after the date that you authorized payment to the payee. In situations where
it is apparent that the payment is going or has gone to the wrong address, wrong payee, etc., we will
accept stops and reissues immediately. You may notify us by calling 1-800-ASTORIA (1-800-278-6742)
(24) hours a day, (7) days a week or by E-Mail at banking@astoriabank.com. In addition, you may send
written notification to Astoria Bank's Electronic Delivery Department, One Astoria Bank Plaza, Lake
Success, NY 11042-1085. If you call, we may also require you to put the request in writing and get it to us
within (14) days after you call. We will charge you for each stop payment order a fee, in accordance with
Astoria Bank's "Schedule of Charges" in effect at the time of the transaction. Electronic payments, already
transmitted, cannot be stopped.

6. You are responsible for confirming the accuracy of the information you provide about each payment
you send, including the email address or telephone number of the recipient and the amount of the
transaction.

7. The user agrees to maintain sufficient available funds in the funding account on the payment transmit
date requested and until the payment is debited. If there are insufficient funds to cover a payment on the
payment transmit date, the payment may be rejected. If any payment is rejected due to insufficient funds,
you will be charged a transaction fee in accordance with Astoria Bank's "Schedule of Charges". If an
electronic payment is rejected, a block will be placed on the funding account. No additional bill payments
will be processed until the funding account is properly funded and the return(s) cleared. If a bill payment
request is received while the funding account is blocked, you will receive a notice that the bill payment will
not be processed. Astoria Bank reserves the right to modify these terms and conditions at any time,
effective upon publication.

BILL PAYMENT TRANSACTION LIMITS:

Minimum amount of each bill payment item: $1.00

Maximum amount of each bill payment item: $9,999.99
Maximum amount of bill payments that will be paid daily from your accounts: $9,999.99

OAC – Reg E & Online Banking with Bill Pay People Pay March 2017
PEOPLE PAY PAYMENT TRANSACTION LIMITS:

Maximum amount of each payment: $250.00

Maximum amount of payments that will be paid daily from your accounts: $500.00
If you use this service to transfer funds from a savings account held at another institution, you should
consult that financial institution’s deposit account agreement as it may impose transfer restrictions.

WHO MAY USE ONLINE BANKING WITH BILL PAY AND ASTORIA PEOPLE PAY:

Online Banking with Bill Pay can be used for online transactions only by the account owner possessing a
valid password to access the system. If your account is jointly owned, a separate password may be
established for the co-owner.

Astoria People Pay can be used for transactions only by the account owner possessing a valid password
to access the system. If your account is jointly owned, a separate password may be established for the
co-owner. To enroll in Astoria People Pay, you must: (1) be at least (18) years old; (2) have no more than
3 NSF (non-sufficient funds) during the past rolling 12 month period; (3) consent to receive notices and
information about the Astoria People Pay service electronically; (4) must have the ability to receive and
retain the electronic communications before you accept the terms of this Agreement (5) your account is
eligible for the service and (6) be currently enrolled in

Online Banking with Bill Pay.

SERVICE CHARGES AND FEES:

There are no service charges to use Online Banking with Bill Pay and Astoria People Pay.

We do reserve the right to charge you transaction fees for Online Banking with Bill Pay and Astoria
People Pay in accordance with Astoria Bank’s “Schedule of Charges” in effect at the time of the
transaction. Fees are subject to change from time to time upon notice to you as may be required by law.

UNAUTHORIZED TRANSFER OR PAYMENT TRANSACTIONS: You agree to notify Astoria Bank

immediately if you believe your password is lost or stolen, or that someone has transferred or may
transfer money from your account without your permission. You may notify us by calling 1-800-ASTORIA
(1-800-278-6742) (24) hours a day, (7) days a week or by E-Mail at banking@astoriabank.com. In
addition, you may send written notification to Astoria Bank's Electronic Delivery Department, One Astoria
Bank Plaza, Lake Success, NY 11042-1085. If your password is lost or stolen, or if you believe that an
unauthorized transfer or payment transaction has occurred with respect to your account we will require
you to close any account for which you had online access. In the case of a lost or stolen password, you
will be required to sign an affidavit prior to the closing of the account.

LIABILITY DISCLOSURE: Tell us AT ONCE if you believe that your password has been lost or stolen.
Telephoning is the best way of keeping your possible losses down. You could lose all the money in your
account (plus your maximum overdraft line of credit.) If you tell us within (2) business days, you can lose
no more than $50.00 if someone used your password without your permission. If you do NOT tell us
within (2) business days, after you learn of the loss or theft of your password and we can prove that we
could have stopped someone from using your password without your permission if you had told us, you
could lose as much as $500.00. Also, if your statement shows transfers that you did not make, tell us at
once. If you do not tell us within (60) days after the statement was mailed to you, you may not get back
any money you lost after the (60) days if we can prove that we could have stopped someone from taking
the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from
telling us, we will extend the time periods. You may notify us by calling 1-800-ASTORIA (1-800-278-6742)
(24) hours a day, (7) days a week or by E-Mail at banking@astoriabank.com. In addition, you may send

OAC – Reg E & Online Banking with Bill Pay People Pay March 2017
written notification to Astoria Bank's Electronic Delivery Department, One Astoria Bank Plaza, Lake
Success NY 11042-1085.

RIGHT TO AMEND OR TERMINATE: Astoria Bank may change this agreement at any time. We will
notify you of any changes either by electronic communication or U.S. Postal Service, First Class mail. You
must notify us within (30) days of your non-acceptance of the changes. If you do not, or if you use Online
Banking with Bill Pay after you receive any notice of change, you will have agreed to the changes. The
use of Online Banking with Bill Pay and the privileges associated with it can be canceled by us at any
time for whatever reason we decide, and without prior notice to you. If you do not access Online Banking
with Bill Pay and Astoria People Pay for a period of (30) days your access may be terminated.

ACCOUNT CANCELLATION: You must cancel your Online Banking with Bill Pay and Astoria People
Pay prior to closing all the account(s) for which you had online access.

DISHONORED PAYMENTS: You agree that all defenses, rights and claims you have or may have
against any payee will not be asserted against Astoria Bank. We shall have no responsibility for refusal of
any person, including Astoria Bank, to honor the payment in connection with any transactions you attempt
to originate from Online Banking with Bill Pay and Astoria People Pay.

ACCOUNT INFORMATION DISCLOSURE: We will disclose information to third parties about your
account or the transfers you make:

• Where it is necessary for completing transfers, OR

• In order to verify the existence and conditions of your account for a third party, such as a credit bureau
or merchant, OR
• In order to comply with government agency or court orders, or other legal processes, OR
• If you give us your written permission.

DOCUMENTATION OF TRANSFERS: For Checking, Statement Savings and IMMA accounts you will
receive a statement for each month an electronic transfer or debit to your account occurred. At a
minimum you will receive a statement each quarter for an account.

LIABILITY FOR FAILURE TO MAKE TRANSFERS, BILL PAYMENTS OR PEOPLE PAY PAYMENTS:

If we do not complete a transfer, bill payment to or from your account on time or in the correct amount
according to our agreement with you, or people payment we will be liable for your losses or damages as
the law imposes in such cases. However, there are some exceptions. We will not be liable, for instance:

• If, through no fault of ours, you do not have enough money in your account to make the transfer, bill
payment or people payment.
• If, the transfer, bill payment or people payment will go over the credit limit on your overdraft line.
• If, you fail to provide correct information regarding the name, address of the payee, account
information, email address or mobile number.
• If, you incur communication, system or technical problems while establishing the transfer, bill payment
or people payment.
• If, circumstances beyond our control (such as fire, flood or equipment malfunction) prevent the transfer,
bill payment or people payment despite reasonable precautions that we have taken.
• If, your account is subject to legal process or a lien or other encumbrance restricting the transfer, bill
payment or people payment.
• If, in regard to transfers to another financial institution, the third party financial institution holding your
account mishandles or delays processing or posting a transfer sent by Astoria People Pay service.

OAC – Reg E & Online Banking with Bill Pay People Pay March 2017
The list of examples set out in this paragraph is meant to illustrate circumstances under which we would
not be liable for failing to make a transfer and is not intended to list all of the circumstances where we
would not be liable.

ERROR RESOLUTION: In case of errors or questions about your Electronic Transfers, telephone us at 1-
800-ASTORIA (1-800-278-6742), OR write us at Astoria Bank's Electronic Delivery Department One
Astoria Bank Plaza, Lake Success, NY 11042- 1085. Do so as soon as you can, if you think your
statement is wrong or if you need more information about a transfer or bill payment listed on your
statement. We must hear from you no later than (60) days after we sent the FIRST statement on which
the problem or error appeared. Please give us the following information:

• Tell us your name and account number.

• Describe the error or the transfer or bill payment you are unsure about, and explain as clearly as you
can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us
your complaint or question in writing within (10) business days.

We will determine whether an error occurred within (10) business days after we hear from you and will
correct any error promptly. If we need more time, however, we may take up to (45) calendar days ((90)
calendar days for new accounts, POS and foreign transactions) to investigate your complaint or question.
If we decide to do this, we will credit your account within (10) business days ((20) business days for new
accounts) for the amount you think is in error, so that you will have the use of the money during the time it
takes us to complete our investigation. If we ask you to put your complaint or question in writing and we
do not receive it within (10) business days, we may not provide provisional credit your account.

We will tell you the results within (3) business days after completing our investigation. If we decide that
there was no error, we will send you a written explanation. You may ask for copies of the documents that
we used in our investigation.

INDEMNIFICATION: You acknowledge and agree that you are personally responsible for your conduct
when using this service. You shall defend and indemnify Astoria Bank and its directors, officers,
employees, subsidiaries and affiliates against and hold each harmless from any and all losses, damages,
liabilities, claims, actions, causes of action, payments pursuant to settlements, penalties, costs and
expenses, including but not limited to reasonable attorneys’ fees, arising out of, resulting from, relating to,
or occurring as a consequence of (i) any failure by You to comply with its obligations under this
Agreement, (ii) any wrongful act of You in connection with any Service provided by Astoria Bank to You,
(iii) any action taken or omitted to be taken by Astoria Bank in reliance upon information, data, or
authorizations received from You or upon the authenticity or accuracy of any representation or warranty
purporting to be from, or signature purporting to be of, You, (iv) any breach by Customer of any warranty
or representation made by You herein, or (v) any violation by You of any applicable laws, rules and
regulations pertaining to its use of any Service. Your obligations under this paragraph shall survive
termination of this Agreement.

Neither suspension nor termination shall affect your liability or obligations under this agreement.

LIMITATION OF LIABILITY/DAMAGES: ASTORIA BANK SHALL NOT BE RESPONSIBLE FOR ANY

LOSS, DAMAGE OR INJURY OR FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE,
EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING FROM OR
RELATED TO YOUR’S USE OF ANY OF THE SERVICES, FAILURE OF ELECTRONIC OR
MECHANICAL EQUIPMENT, SOFTWARE OR COMMUNICATION LINES, THE ACTION OR INACTION
OF ANY OTHER SERVICE PROVIDER, THE FAILURE OR UNAVAILABILITY OF THE SYSTEM,
VIRUSES, CONFIGURATION PROBLEMS OR INCOMPATIBILITY OF COMPUTER HARDWARE OR

OAC – Reg E & Online Banking with Bill Pay People Pay March 2017
SOFTWARE, PROBLEMS WITH DATA TRANSMISSION OR ANY OTHER PROBLEMS CUSTOMER
EXPERIENCES IN CONNECTION WITH ITS USE OF THE SERVICES EVEN IF SUCH DAMAGES
WERE FORESEEABLE OR ASTORIA BANK HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH
DAMAGES. NOTWITHSTANDING THE FOREGOING, ASTORIA BANK’S LIABILITY TO YOU IN THE
PERFORMANCE OF ASTORIA BANK’S RESPONSIBILITIES SHALL BE LIMITED TO THE DIRECT
DAMAGES SUSTAINED BY YOU WHICH ARE A DIRECT RESULT OF ASTORIA BANK’S GROSS
NEGLIGENCE OR WILLFUL MISCONDUCT UNDER THIS AGREEMENT. IF FOR ANY REASON,
ASTORIA BANK IS ADJUDGED LIABLE TO YOU, THE AMOUNT OF DAMAGES RECOVERABLE BY
YOU SHALL NOT EXCEED THE LESSER OF THE ACTUAL DAMAGES TO YOU OR THE TOTAL
AMOUNT OF THE FEES AND OTHER CHARGES PAID BY YOU TO ASTORIA BANK DURING THE
THREE MONTH PERIOD IMMEDIATELY PRIOR TO THE OCCURRENCE WHICH GIVES RISE TO
THE CLAIM. IN NO EVENT SHALL ASTORIA BANK’S AGGREGATE LIABILITY FOR DAMAGES, OF
ANY KIND OR NATURE REGARDLESS OF THE NUMBER OF CLAIMS, EXCEED $100,000. YOU
UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR’S SOLE RISK AND
THAT THE SERVICES ARE PROVIDED ON AN “AS IS,” “WHERE IS” AND “WHERE AVAILABLE”
BASIS, AND ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE TO YOU.

RISK OF LOSS: In the event of a system failure or interruption, your data may be lost or destroyed. Any
transaction(s) that you initiated were in the process of completing or completed shortly before a system
failure or interruption should be verified by you through means other than online to ensure the accuracy
and completeness of such transaction(s). You assume the risk of loss of your data during any system
failure or interruption and the responsibility to verify the accuracy and completeness of any transaction(s)
so affected.

OTHER AGREEMENTS: You also consent and comply with any other written agreement that Astoria
Bank may provide you in connection to this service, your account and with all applicable federal and
state laws and regulations. In addition, you are subject to the terms of account agreements held with
other financial institutions. In the event of a conflict with another applicable Astoria agreement, the terms
of this agreement will control except as may otherwise be stated herein.

GOVERNING LAW: This Agreement shall be governed by and construed in accordance with the laws of
the State of New York, without regard to any choice of law provision.

SEVERABILITY: The invalidity, illegality or unenforceability of any provision of this Agreement shall not
affect the validity, legality or enforceability of any of the other provisions of this Agreement, which shall
remain effective.

OAC – Reg E & Online Banking with Bill Pay People Pay March 2017
What You Need to Know About Overdrafts and Overdraft Fees

 What is an overdraft?
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it
anyway. Astoria Bank’s Overdraft Coverage Program offers three different ways you can cover your overdrafts:
 Overdraft Convenience: standard overdraft practice that you can select as part of your checking account
 Bounce Protection: overdraft protection in which your checking account is linked to your savings account
 Overdraft Line of Credit: subject to credit approval, overdrafts are covered by a line of credit

This notice explains our standard overdraft practices.

 What are the standard overdraft practices that come with my account?
We do authorize and pay overdrafts for the following types of transactions:
 Checks and other transactions made using your checking account number
 Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to:
 ATM transactions
 Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay
any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

 What fees will I be charged if Astoria Bank pays my overdraft?

Under our standard overdraft practices:
 We will charge you a fee of $35 each time we pay an overdraft.
 The maximum amount of fees you may be charged in any day is $140.

 What if I want Astoria Bank to authorize and pay overdrafts on my ATM and everyday
debit card transactions?
 If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions,
 Call us at 1-800-ASTORIA (1-800-278-6742)
 Visit any Astoria Bank branch
 Complete the form below and mail it to Astoria Bank, Attn: Checking and Payment
Services Department, One Astoria Bank Plaza, Lake Success, NY 11042-1085
_____________________________________________________________________________________________________________________

_____ I want overdraft coverage for my ATM and everyday debit card transactions.

Printed Name: ___________________________

Date: _____________________

Account Number: ________________________

OD Opt-In (A-9) June 2010, October 2014 (Rev.June 2015)

OAC 00045.Pg1
 FACTS WHAT DOES ASTORIA BANK DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives
consumers the right to limit some but not all sharing. Federal law also requires us to tell you
how we collect, share, and protect your personal information. Please read this notice
carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service
you have with us. This information can include:

 Social Security number and income

 account balances, payment history and credit history
 transaction history and account transactions

When you are no longer our customer, we continue to share your information as described
in this notice.

How? All financial companies need to share customers’ personal information to run their everyday
business. In the section below, we list the reasons financial companies can share their
customers’ personal information; the reasons Astoria Bank chooses to share; and whether
you can limit this sharing.

Does Astoria Bank Can you limit this

Reasons we can share your personal information
Savings share? sharing?
For our everyday business purposes –
such as to process your transactions, maintain
Yes No
your account(s), respond to court orders and legal
investigations, or report to credit bureaus
For our marketing purposes -
Yes No
to offer our products and services to you
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes -
information about your transactions and Yes No
experiences
For our affiliates’ everyday business purposes -
No We don’t share
information about your creditworthiness
For nonaffiliates to market to you No We don’t share

Questions? If you have any questions regarding our privacy policies, please contact us at 1-800-
ASTORIA, or email us through “Contact Us” at www.astoriabank.com.

Who we are
Who is providing this Astoria Bank, AF Agency, Inc., AF Insurance Agency Inc., Astoria Federal
notice? Mortgage Corp., and Fidata Services Corp.

Privacy Policy Page 1 of 2 April 2000 (Rev. June 2015)

OAC 00126
 What we do
How does Astoria Bank To protect your personal information from unauthorized access and use, we
protect my personal use security measures that comply with federal law. These measures include
information? computer safeguards and secured files and buildings. We limit employee
access to customer information to those who have a business reason to
know such information. We educate our employees about the importance of
confidentiality and customer privacy.
How does Astoria Bank We collect your personal information, for example, when you:
collect my personal  open an account or deposit money
information?  pay your bills or apply for a loan
 use your credit or debit card
We also collect your personal information from others, such as credit
bureaus, affiliates, or other companies.
Why can’t I limit all Federal law gives you the right to limit only:
sharing?  sharing for affiliates’ everyday business purposes – information about
your creditworthiness
 affiliates from using your information to market to you
 sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit
sharing. (See below for more on your rights under state law)

Definitions
Affiliates Companies related by common ownership or control. They can be financial
and nonfinancial companies.
 Our affiliates include financial companies such as AF Agency, Inc., AF
Insurance Agency, Inc., Astoria Federal Mortgage Corp., and Fidata
Services Corp.
Non-affiliates Companies not related by common ownership or control. They can be
financial and nonfinancial companies.
 Non-affiliates we share with can include mortgage companies, insurance
companies, and service providers.
Joint marketing A formal agreement between nonaffiliated financial companies that together
market financial products or services to you.
 Our joint marketing partners include credit card companies, broker-
dealers, and licensed insurance agencies.

Other important information

Notice to CA Residents We do not share information with non-affiliates except as permitted by
Only: California law.

Notice to VT Residents We do not share information with non-affiliates except as permitted by

Only: Vermont law.

Notice to NV Residents We are providing you this notice pursuant to Nevada law. If you prefer not to
Only: receive marketing calls from us, you may be placed on our Internal Do Not
Call List by calling 1-800-ASTORIA. You may also contact the Nevada
Attorney General's office for more information: Bureau of Consumer
Protection, Office of the Nevada Attorney General, 555 E. Washington St.,
Suite 3900, Las Vegas, NV 89101; telephone number: 1–702–486–3132; email
BCPINFO@ag.state.nv.us.

Privacy Policy Page 2 of 2 April 2000 ( Rev. June 2015)

OAC 00126
Schedule
of Charges
& Availability
of Funds
Schedule of Charges

Checking Accounts
Start
• Monthly Service Charge. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0
Simple
• Monthly Service Charge. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $3
With a qualifying Average Monthly Balance^ of $250 or more
or Direct Deposits totaling at least $250 credited to the account
during the current statement cycle. . . . . . . . . . . . . . . . . . . . . . . . . . $0
Simple+
• Monthly Service Charge. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10
With a qualifying Average Monthly Balance^ of $2,500 or more
or a $10,000 qualifying minimum balance in any combination of
linked Astoria Bank deposit accounts1 on your statement cycle date. . $0
Select
• Monthly Service Charge. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $15
With a qualifying minimum balance of $25,000 in any combination of
linked Astoria Bank deposit accounts1 on your statement cycle date. . . $0
• Select accounts with the qualifying minimum balance requirement
receive a rebate of $3 per withdrawal conducted at a Non-Astoria Bank
ATM up to $15 per monthly statement cycle on their statement cycle
date. This rebate may be reported on a 1099-MISC form.
Smart
New or converted Smart accounts will have the Monthly Service Charge,
Non-Astoria Bank ATM Transaction Fees (charged by Astoria Bank) and
Check Image Fees waived for the first two (2) statement cycles.
Base Tier
• Monthly Service Charge. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $15
Base Tier accounts are accounts that do not meet the Qualifying Balance
Requirement (QBR2) and Transactional Activity Requirement (TAR3) for
Tier 2, Tier 3 or Tier 4.
Tier 2
• Monthly Service Charge of $15 is waived with a QBR minimum of a
$2,500 Average Cycle Balance4 in the Smart account or a minimum
of $10,000 in combined linked deposit accounts1 and reported
investment balances5 AND TAR3 performed.
Tier 3
• Monthly Service Charge of $15 is waived with a QBR minimum of a
$10,000 Average Cycle Balance4 in the Smart account or a minimum
of $25,000 in combined linked deposit accounts1 and reported
investment balances5 AND TAR3 performed.
•T ier 3 Smart accounts receive a rebate on their statement cycle
date6 of $3 per withdrawal conducted at a Non-Astoria Bank ATM up
to a maximum of $15 per monthly statement cycle. This rebate may
be reported on a 1099-MISC form.
Tier 4
• Monthly Service Charge of $15 is waived with a QBR minimum of a
$20,000 Average Cycle Balance4 in the Smart account or a minimum of
$50,000 in combined linked deposit accounts1 and reported investment
balances5 AND TAR3 performed.
• Tier 4 Smart accounts receive unlimited rebates on their statement
cycle date6 of $3 per withdrawal conducted at a Non-Astoria Bank
ATM per monthly statement cycle. This rebate may be reported on a
1099-MISC form.

Once you have achieved the QBR2 and TAR3 for a specific tier, you will
remain in that tier for a grace period of three (3) evaluation cycles7. If you
meet the eligibility requirements (QBR2 and TAR3) for a higher tier, you will
receive the benefits of the higher tier the day after your evaluation date8.
 Insured Money Maker Account (IMMA) 9

Qualifying Balance refers to minimum balance required in an account

every day of the month.
• Monthly Service Charge without a Qualifying Balance. . . . . . . . . . . $8
•Monthly Service Charge with a Qualifying Balance of $2,500. . . . . $0

Savings Accounts
Qualifying Balance refers to the average daily balance required in an
account. The Monthly/Quarterly Service Charge for Statement and
Passbook Savings accounts linked to a Smart account will be waived
for Smart Tier 2, Tier 3, or Tier 4 accounts (excludes IRA Savings).
Statement Savings9
• Monthly Service Charge without a Qualifying Balance. . . . . . . . . . . $5
• Monthly Service Charge with a Qualifying Balance of $500 . . . . . . $0
Passbook Savings
• Quarterly Service Charge without a Qualifying Balance. . . . . . . . . . $10
• Quarterly Service Charge with a Qualifying Balance of $500. . . . . $0
IRA Savings9
• Quarterly Service Charge without a Qualifying Balance. . . . . . . . . . $10
• Quarterly Service Charge with a Qualifying Balance of $500. . . . . $0

^ The Average Monthly Balance is calculated by adding together each daily closing
balance throughout the monthly statement cycle and dividing this sum by the number
of days in the statement cycle.
1 Deposit accounts include Astoria Bank Checking, Savings, IMMA, IRAs and CDs.
2 Qualifying Balance Requirement (QBR): Either an average cycle balance3 of $2,500,
$10,000 or $20,000 or more, respectively for Tier 2, Tier 3 and Tier 4 in your Smart
account; OR $10,000, $25,000 or $50,000, respectively for Tier 2, Tier 3 and Tier 4 in
combined linked deposit accounts4 and reported investment balances5. Deposit account4
balance(s) are as of close of business on the evaluation date8. Investment balances5 are
as of close of business the business day prior to the evaluation date8. Funds may not be
reflected in your reported investment balances immediately.
3 Transactional Activity Requirement (TAR): 3 Bill/People Pay payments made through
Astoria Bank Online/Mobile Banking posted to your Smart account during the evaluation
cycle7 or a $500 minimum Direct Deposit credited to your Smart account during the
evaluation cycle7. A Direct Deposit is a pre-authorized deposit credited to your account
via Automated Clearing House (ACH).
4 Average Cycle Balance: Calculated by adding together each daily closing balance from the cycle
date6 to the evaluation date8 and dividing this sum by that number of days.
5 Investment balances reported by our third party provider of investment program services.
Consult an Astoria Banker for investment products excluded from the overall qualifying
balance requirement.
6 Cycle Date for Smart accounts: The third Friday of the month.
7.Evaluation Cycle: Wednesday prior to the third Friday of the month to end of day Tuesday
prior to the next cycle date.
8.Evaluation Date: Tuesday before the third Friday of the month.
9 These savings accounts are subject to an Excessive Transaction Fee per Statement Cycle
of $10.00 per item when the account limit is exceeded. The type of transactions that are
limited include transfers made to another account with us or to a third party by means of a
preauthorized or automatic payment (ACH; telephone and online banking transfers; Point-of-
Sale transactions and checks payable to third parties). The maximum number of transactions
of these types, or any combination of these types is limited to six (6) per statement cycle.
The number and amount of withdrawals and transfers used to repay a loan with us, made in
person, by mail or at an ATM are unlimited. Astoria Bank reserves the right to require not less
than seven (7) days’ notice in writing before any withdrawal from an interest bearing account.

Investment balances are:

NOT FDIC INSURED • MAY LOSE VALUE • NO BANK GUARANTEE

NOT A BANK DEPOSIT • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Fees Assessed in Connection with Checking,
Insured Money Maker Account, Certificate of
Deposit, and Savings Accounts
Bounce Protection (per transfer) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25
Check Images10. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5
Check Printing. . . . . . . . . . . . . . . . . . . . . . . . . . . . . Varies by style selected
Check Safekeeping. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0
Excessive Transaction Fee:
Statement Savings and Insured Money Maker (per cycle) . . . . . $10 per item
Interim Statement (account history) . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5
Negotiated Check Returned by Another Bank. . . . . . . . . . . . . . . . . . . . $10
Overdraft: Check or ACH Debit, or Returned Against
Insufficient or Uncollected Funds. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $35
Maximum amount of Overdraft/Insufficient/Uncollected Fees
you may be charged in any day. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $140
Photocopy of Paid Check . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5
Photocopy of Statement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5
Placement of Stop Payment Order 11 . . . . . . . . . . . . . . . . . . . . . . . . . . . . $30
Statement Reconciliation (waived if bank’s error) . . . $25/hr (min $25)
Transcript of Account. . . . . . . . . . . . . . . . . . . . . . . . . . . . . $20/hr (min $20)

CashCard (ATM) and Debit Card Fees

Astoria Bank Visa® Gold Debit Card Replacement . . . . . . . . . . . . . . . . $10
ATM-Mini Statement12. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1
CashCard Replacement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10
Checking, Statement Savings, and Insured Money Maker
Account Transactions at Non-Astoria Bank ATMs
Withdrawal 13. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2
Balance Inquiry 12 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1
Foreign Transaction Fee . . . . . . . . . . . . . . . . . . 1% of transaction amount
(For any Debit Card transaction made in a Foreign Currency)
 verdraft: ATM Withdrawal or Debit Card transaction paid against
O
insufficient or uncollected funds. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $35
Pin-Based Point-of-Sale (POS) Transactions . . . . . . . . . . . . . . . . . . . . . $0
Signature POS Transactions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0

Consumer Loan Fees

Annual Maintenance Fee (Home Equity Loan). . . . . . . . . . . . . . . . . . . $50
Check Returned Against a Loan Payment. . . . . . . . . . . . . . . . . . . . . . . $20
Fee For Check Less Than $250 (Home Equity Loan) . . . . . . . . . . . . . $20
Late Charges:
Installment Loan 5% of the Installment (not to exceed $5)
Home Equity Line 2% or 5% of the Principal Payment Due,
In Accordance With The Note
Line of Credit Overdraft Late Charge. . . . . . . . . . . . . . . . . . . . . . . . . . . . $10
Lost Coupon Book or Duplicate Statements. . . . . . . . . . . . . . . . . . . . . . $5
Recording Fee . . . . . . . . . . . . . . . . . . Determined by county of recording
Satisfaction Fee (Home Equity Loan). . . . . . . . . . . . . . . . . . . . . . . . . . . $125

Other Fees That May Apply

Online Banking. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0

Official Checks and Money Orders

Money Order14 (Depositor). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5
Official Check 14 (Depositor). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10
Photocopy of Money Order or Official Check. . . . . . . . . . . . . . . . . . . . . $5
Stop Payment of Money Order. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $30
Stop Payment of Official Check
(Surety Bond may be required for replacement). . . . . . . . . . . . . $30

Transfers and Collections

Bond Collection. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Minimum $40
Collections. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Minimum $35
Domestic Wire (In). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $15
Foreign Wire (In). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $15
Domestic Wire (Out). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25
 Foreign Wire (Out). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $35
Wire Transfer Research
(Claims, Amendments, and Refunds) . . . . . . . . . . . . . . Minimum $75

Safe Deposit Box

Safe Deposit Box Rentals . . . . . . . . . . Price Determined By Size Of Box15
(Regional Pricing May Apply)
Late Payment Fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10
Lost Safe Deposit Box Key . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25
Safe Deposit Box Break Open. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $175

Foreign Currency
Processing Fee for Orders Less than USD $300. . . . . . . . . . . . . . . . . . $10
Shipping Fees:
• Standard Overnight . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0
• Priority Overnight. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $15
Currency Order Return Fee—Within 5 Business Days. . . . . . . . . . . . . . $15
Currency Order Return Fee—Over 5 Business Days . . . . Buy Rate + $15

Legal Process
Attachments, Levy, Restraining Notice, etc.. . . . . . . . . . . . . . . . . . . . . $125
Immigration or Consul Letter. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25
Notary Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0
Signature Guarantee (Medallion) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10
Trust Administrative Review Fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25
Verification of Deposit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $20

Miscellaneous
Abandoned Property. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $20
IRA Trustee Transfer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $20
Lost Passbook. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10
Notice/Certificate of Protest. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10
Return Mail Handling and Processing Fee 16. . . . . . . . . . . . . . $15 per item
Duplicate 1099 (Prior Year) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5
Rolled Coin (Processed). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0

10
The Check Image fee is waived for Simple+, Select and Smart Tier 2, Tier 3 and Tier 4 accounts.
11
Stop Payment Fees for items debited on the Select or Smart Tier 3 or Tier 4 accounts are waived.
12
These fees are waived for Simple+ and Select accounts with qualifying balance. These
fees are also waived for Smart Tier 2, Tier 3 and Tier 4 accounts. However, certain fees
may be assessed by other financial institutions for use of their ATMs or terminals.
13 Start accounts receive four (4) free withdrawal transactions conducted at a Non-Astoria Bank ATM
per Monthly Statement Cycle. For Simple+ and Select accounts with a qualifying balance and Smart
Tier 2, Tier 3 and Tier 4 accounts, the withdrawal fee is waived. Certain fees may be assessed by
other financial institutions for use of their ATMs or terminals.
14 Money Order and Official Check fees are waived for Smart Tier 3 and 4 account holders, and for
Select account holders only if item is debited from their Select account.
15 Box is subject to availability. Any size box that has the annual rental fee debited from a Select
checking account through Safe Deposit Box Auto-Pay, or is enrolled in a Smart package, will
receive a discount of $20 off the annual rental fee. Only one discount per safe deposit box.
16 Your account will be charged a Returned Mail Handling and Processing fee for each piece of
mail returned to us as a result of a bad address. Upon the first occurrence of statements being
returned to the bank, we will stop sending all future account statements until you provide us
with a correct address. During this time, we will suppress your periodic statement from being
generated and mailed. The decision not to continue mailing statements to a known incorrect
address is an attempt to protect your account information. In order to help us help you to
avoid Identify Theft, notify us as soon as your permanent or temporary address has changed
as all other mail items will continue to be mailed to the address on file.
Availability of Funds

Your Ability to Withdraw Funds

at Astoria Bank
Astoria Bank has established time periods for the availability of funds
(checks cashed or deposited) in compliance with federal regulations.
In accordance with these regulations, our policy makes some
deposits available to pay checks to others or for cash withdrawals
as soon as we receive the deposit and register it in our records. The
availability of other deposits is delayed until the next business day
after the day of your deposit, or longer. During the delay, you may
not withdraw the funds in cash, and we will not use the funds to pay
checks that you have written.

Determining the Availability of a Deposit

The length of the delay is counted in business days from the day of
your deposit. Every day is a business day except Saturdays, Sundays,
and federal holidays. If you make a deposit to one of our employees
before 3:30 p.m. on a business day that we are open, we will consider
that day to be the day of your deposit. However, if you make a deposit
after 3:30 p.m., or on a day we are not open, we will consider that the
deposit was made on the next business day we are open. If you make
a deposit at one of our ATMs before 2:00 p.m. on a business day that
we are open, we will consider that day to be the day of your deposit.
However, if you make a deposit to one of our ATMs after 2:00 p.m., or
on a day we are not open, we will consider that the deposit was made
on the next business day we are open. The length of the delay varies
depending on the type of deposit and is explained below:

Same-Day Availability: Funds from electronic direct deposits to

your account will be available on the day we receive your deposit.

Next-Day Availability: Funds from the following deposits are available

on the first (1st) business day after the day of your deposit:
• U.S. Treasury checks that are payable to you
• wire transfers
• checks drawn on Astoria Bank Checking and Insured
Money Maker Accounts (On-Us checks)

If you make the deposit in person to one of our employees, funds

from the following deposits are also available on the first (1st)
business day after the day of your deposit:
• cash
• state and local government checks that are payable to you
• cashier, certified, and teller checks that are payable to you
• Federal Reserve Bank checks, Federal Home Loan Bank checks,
and postal money orders, if these items are payable to you

If you do not make your deposit in person to one of our employees

(for example, if you mail the deposit), funds from these deposits will
be made available on the second (2nd) business day after the day of
your deposit.

Local Checks: Astoria Bank’s policy is to make funds from local

checks available as follows:

The first $200 from a deposit of local checks will be available on the
first (1st) business day after the day of your deposit to pay checks
you have written to others. All of the remaining funds will be
available on the second (2nd) business day after the day of your
deposit to pay checks you have written to others.

The first $200 will also be available for withdrawal in cash on the
first (1st) business day after the day of your deposit. An additional
$400 of the deposit may be withdrawn in cash at or after 5:00 p.m.
on the second (2nd) business day after the day of your deposit. All
the remaining funds will be available for cash withdrawal on the third
(3rd) business day after the day of your deposit.

For example, if you deposit a local check of $700 on Monday, $200

of the deposit is available on Tuesday to pay checks to others and to
withdraw in cash. The rest is available to pay checks on Wednesday.
At or after 5:00 p.m. on Wednesday, you may withdraw another $400 of
the deposit in cash, and you may withdraw the rest in cash on Thursday.

Longer Delays May Apply

Funds you deposit by check may be delayed for a longer period under
the following circumstances:
• We believe a check you deposit will not be paid
• You deposit checks totaling more than $5,000 on any one day
• You redeposit a check that has been returned unpaid
•.You have overdrawn your account repeatedly in the last six months
• There is an emergency, such as failure of communications or
computer equipment

We will notify you if we delay your availability to withdraw funds

for any of these reasons, and we will tell you when the funds will be
available. They will generally be available no later than the fifth (5th)
business day after the day of your deposit.

Special Rules for New Accounts

If you are a new customer of Astoria Bank, the following special rules
will apply during the first thirty (30) days your account is open.
Funds from electronic direct deposits to your account will be
available on the day we receive the deposit. Funds from deposits of
cash, wire transfers, and the first $5,000 of a day’s total deposits
of cashier, certified, teller, traveler’s and federal, state, and local
government checks will be available on the first (1st) business day
after the day of your deposit if the deposit meets certain conditions.
For example, the checks must be payable to you. The excess over
$5,000 will be available on the sixth (6th) business day after the
day of your deposit. If your deposit of these checks (other than U.S.
Treasury checks) is not made in person to one of our employees, the
first $5,000 will not be available until the second (2nd) business day
after the day of your deposit.

Funds from all other check deposits will be available on the

seventh (7th) business day after the day of your deposit.

Holds on Other Funds (Check Cashing)

If we cash a check for you that is drawn on another bank, we may
withhold the availability of a corresponding amount of funds that
are already in your account. These funds will be available at the time
funds from the check we cashed would have been available if you had
deposited it.

Foreign Checks
A check drawn in a foreign currency or on a bank located outside
the United States will generally be accepted for collection only. This
means that the funds will neither be credited to the account nor be
available for withdrawal until they are received from the bank on
which the check is drawn.
Contact Us
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Just call, visit us online, or stop by
your nearest Astoria Bank branch.
1-800-ASTORIA
AstoriaBank.com

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astoriabank.com

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