Terms & Conditions

ASTORIA FEDERAL SAVINGS & LOAN ASSOCIATION PRIVACY POLICY.

Protecting Your Privacy
At Astoria Federal Savings, an important part of "Putting people first" is making sure our customers' privacy is our priority.

Respecting your privacy and protecting the confidentiality of your personal information is one of our top concerns. While gathering information enables us to provide superior products and services, our most valuable asset is our customers' trust.

We regularly collect, maintain and use information about you in order to process transactions, provide a variety of account services, and make available financial products and services to meet your needs.

To help you better understand how your personal information is protected at Astoria Federal, we are providing you with the following statement describing our practices and policies with respect to the privacy of customer information.

This statement is adhered to not only by Astoria Federal, but by each of the following Astoria Federal affiliates and subsidiaries: Astoria Federal Mortgage Corp., AF Agency, Inc., and AF Insurance Agency, Inc.

Information We Collect

We collect, retain and use nonpublic personal information about you as allowed by law, to provide you with various products and services. We may collect nonpublic personal information from sources such as:

A. Information submitted by you to us on applications, signature cards and other forms;

B. Transactions you conduct with us, our affiliates, or others; and

C. Consumer reporting agencies.

Information We Share and With Whom It is Shared

We may share nonpublic personal information about you with our affiliates and other nonaffiliated third parties, under certain circumstances, to process transactions and provide account services. Any sharing of nonpublic personal information we do is conducted in strict adherence to applicable law. We do not share any nonpublic personal information about our customers, or former customers, with anyone, except as permitted by law.

The information we may share to process transactions, provide account services, and make various financial products and services available to you includes:

A. Information we receive from you on applications or other forms, such as your name, address, social security number, assets, employment information and income;

B. Information about your transactions with us, our affiliates or others, such as your account balance, payment history and parties to transactions; and

C. Information we receive from consumer reporting agencies, such as information regarding your creditworthiness and credit history

Service Providers/Joint Marketing Partners

In order to provide our customers with products or services that we believe may meet your financial needs, we may provide limited nonpublic personal information (described under the Information We Share and With Whom It Is Shared section of this statement) about you to nonaffiliated third parties that perform services on our behalf, or to other financial institutions in order to offer jointly endorsed financial products or services.

How We Protect Your Information

We understand that the protection of your nonpublic personal information is of the utmost importance. Guarding your privacy is not new to us; it is our obligation. In order to protect your privacy, we maintain physical, electronic and procedural safeguards that meet or exceed industry standards. We limit employee access to customer information to those who have a business reason to know such information, and we educate our employees about the importance of confidentiality and customer privacy.

Changes To This Policy

Astoria Federal reserves the right to make changes to this policy when and if there is a need. If you have any questions regarding our privacy policies, please contact us at 1-800-ASTORIA, or click on “Contact Us” to e-mail us directly. Thank you for allowing us to help satisfy your financial needs.

Domain Names and Cookies

When you review pages at our web site, our web servers automatically recognize your browser's domain name and IP address. We collect this information solely for statistical purposes and to determine visitor access to individual areas of our site. We do not use this information to identify individuals, except for authentication during online banking, nor do we share this information with third parties, except for some partner companies that process transactions on our behalf. Our web servers use "cookies" to collect this information. "Cookies" are files that are transferred from a web site to your computer's hard drive. Our "cookies" do not retrieve data from your hard drive, do not carry computer viruses and do not capture your e-mail address. Most browsers will allow you to disable "cookies" or warn you before accepting one. If you decide not to accept "cookies," certain areas of our web site may not be accessible to you. At Astoria Federal we use "cookies" to improve the level of service to visitors of our web site. As an example, a "cookie" can be stored on your hard drive enabling you, on subsequent visits, to skip the registration process on parts of the site that require it.

TERMS & CONDITIONS

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY: BY ACCESSING THIS WEB SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW.

TRADEMARKS

Astoria Federal Savings and the "AF logo" are registered trademarks of Astoria Federal Savings. Astoria Federal may also claim trademark or service mark rights in other marks contained in these Web pages.

WEB CONTENT and MATERIALS

The information and materials contained in this Web Site - and the access to and use of such information and materials are subject to change without notice. Your eligibility for particular products and services is subject to final Astoria Federal determination and acceptance.

NO WARRANTY

THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE INCLUDING TEXT, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS" TO YOU WITHOUT EXPRESS OR IMPLIED WARRANTIES OF ANY KIND INCLUDING THE WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY OR FITNESS FOR ANY PARTICULAR PURPOSE. ASTORIA FEDERAL DOES NOT WARRANT THE ACCURACY, COMPLETENESS OR TIMELINESS OF THE INFORMATION OR MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. THERE IS NO WARRANTY THAT ANY SERVICE, PRODUCT, MATERIALS OR OTHER CONTENT AVAILABLE ON OR THROUGH THIS WEB SITE, OR ASTORIA FEDERAL'S COMPUTER SYSTEM WILL FULFILL ANY OF YOUR PARTICULAR PURPOSE OR NEEDS. THERE IS NO WARRANTY OF FREEDOM FROM COMPUTER VIRUSES GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS PROVIDED ON THIS WEB SITE.

LIMITATION OF LIABILITY

IN NO EVENT WILL THE ASTORIA FINANCIAL CORPORATION OR ASTORIA FEDERAL SAVINGS AND THEIR SUBSIDIARIES OR AFFILIATES OR THIRD PARTY PROVIDERS BE LIABLE FOR ANY DAMAGES INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS WEB SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, INTERRUPTION OR SYSTEM FAILURE, EVEN IF ASTORIA FEDERAL, OR REPRESENTATIVES, HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES. HYPERLINKS TO OTHER INTERNET SITES AND RESOURCES ARE AT YOUR OWN RISK, AND THESE SITES OR RESOURCES ARE NOT INVESTIGATED OR ENDORSED BY ASTORIA FEDERAL.

INSURANCE AND INVESTMENT DISCLOSURES

The LPL Financial Consultants associated with this site may only discuss and/or transact securities business with residents of New York State.

Securities and Insurance products offered through LPL Financial and its affiliates (Member FINRA/ SIPC).

Not FDIC Insured	No Bank Guarantee	May Lose Value
Not a Deposit	Not Insured by any Federal Government Agency

Astoria Federal Savings and GIS Investments and Insurance are not registered broker/dealers and are not affiliated with LPL Financial or its affiliates.

SUBMISSIONS

All information submitted to Astoria Federal or any of its subsidiaries or affiliates via this web site shall be deemed and remain the property of Astoria Federal, which shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in the information provided to Astoria Federal by a visitor to this web site. Astoria Federal shall have no duty of confidentiality regarding the information submitted, except as may be agreed to by Astoria Federal or as otherwise required by law.