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<P class=ImprintUniqueID><FONT face=Arial>--------------------------------<BR />Dear </FONT><FONT face=Arial>"Clay Stuckey" <cstuckey@ngds.com>,<BR /><BR /></FONT><FONT face=Arial><FONT color=#0070c0><STRONG>Astoria
Federal Savings is now Astoria Bank.<BR /></STRONG></FONT>With this change, please
note that the following email address ( LMichel</FONT><FONT face=Arial>@astoriafederal.com ) has changed to (
</FONT><font style='font-family:Arial;'></font><FONT face=Arial>@astoriabank.com ). Please update your
records to reflect this change and send all future email correspondences to this
new email address. For your convenience, messages sent to ( </FONT><font style='font-family:Arial;'></font><FONT face=Arial>@astoriafederal.com ) will be delivered to
the recipient only until April 30, 2015.<BR /><BR />Thank you for your support as we
go through this transition. <BR /><BR /><BR />Astoria
Bank</FONT><BR />--------------------------------</P>
<P class=ImprintUniqueID></P><P class=MsoNormal><span style="FONT-SIZE: 10pt; FONT-FAMILY: Arial, sans-serif; COLOR: #558ed5; LINE-HEIGHT: 115%"><span style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #0070c0; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA'><strong>Astoria Federal Savings is now Astoria Bank</strong></span><span style='FONT-SIZE: 11pt; FONT-FAMILY: "Calibri","sans-serif"; COLOR: #0070c0; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA'>. <strong>We can now be contacted at our new email addresses @astoriabank.com.</strong></span><br></P>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><strong><span style="FONT-SIZE: 10pt; mso-bidi-font-family: Arial"><font color=#000000>This e-mail and any attachments that accompany it are confidential and may be legally privileged. It is intended solely for the use of the individual(s) to whom it was intended to be addressed. Access to this e-mail by anyone else is unauthorized. If you are not the intended recipient, please immediately return the e-mail to the sender and delete the original and any copy from your computer. If the reader of this message is not the intended recipient, or an employee or agent responsible for delivering this message to its intended recipient, you are herewith notified that any dissemination, distribution, copying or retention of this communication or the information contained herein is strictly prohibited.</font></span></strong><?xml:namespace prefix = "o" ns = "urn:schemas-microsoft-com:office:office" /><O:P></O:P><o:p></o:p></P></span></BODY></HTML>