Common use of STOP TRANSFER INSTRUCTIONS; LEGEND ON CERTIFICATES Clause in Contracts

STOP TRANSFER INSTRUCTIONS; LEGEND ON CERTIFICATES. I also understand and agree that stop transfer instructions will be given to AFC transfer agents with respect to the AFC Common Stock received by me and any of my affiliates and that there will be placed on the certificates of the AFC Common Stock issued to me and any of my affiliates, or any substitutions therefor, a legend stating in substance: THE SHARES REPRESENTED BY THIS CERTIFICATE WERE ISSUED IN A TRANSACTION TO WHICH RULE 145 PROMULGATED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, APPLIES. THE SHARES REPRESENTED BY THIS CERTIFICATE MAY ONLY BE TRANSFERRED IN ACCORDANCE WITH THE TERMS OF AN AGREEMENT DATED APRIL __, 1998 BETWEEN THE REGISTERED HOLDER HEREOF AND ASTORIA FINANCIAL CORPORATION, A COPY OF WHICH AGREEMENT IS ON FILE AT THE PRINCIPAL OFFICES OF ASTORIA FINANCIAL CORPORATION.

STOP TRANSFER INSTRUCTIONS; LEGEND ON CERTIFICATES. I also understand and agree that stop transfer instructions will be given to AFC HUB's transfer agents with respect to the AFC HUB Common Stock received by me and any of my affiliates and that there will be placed on the certificates of the AFC HUB Common Stock issued to me and any of my affiliates, or any substitutions therefor, a legend stating in substance: "THE SHARES REPRESENTED BY THIS CERTIFICATE WERE ISSUED IN A TRANSACTION TO WHICH RULE 145 PROMULGATED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, 1933 APPLIES. THE SHARES REPRESENTED BY THIS CERTIFICATE MAY ONLY BE TRANSFERRED IN ACCORDANCE WITH THE TERMS OF AN AGREEMENT DATED APRIL __AS OF MARCH 31, 1998 BETWEEN THE REGISTERED HOLDER HEREOF AND ASTORIA FINANCIAL CORPORATIONXXXXXX UNITED BANCORP, A COPY OF WHICH AGREEMENT IS ON FILE AT THE PRINCIPAL OFFICES OF ASTORIA FINANCIAL CORPORATION.XXXXXX UNITED BANCORP"

STOP TRANSFER INSTRUCTIONS; LEGEND ON CERTIFICATES. I also understand and agree that stop transfer instructions will be given to AFC HUBCO's transfer agents with respect to the AFC HUBCO Common Stock received by me and any of my affiliates and that there will be placed on the certificates of the AFC HUBCO Common Stock issued to me and any of my affiliates, or any substitutions therefor, a legend stating in substance: "THE SHARES REPRESENTED BY THIS CERTIFICATE WERE ISSUED IN A TRANSACTION TO WHICH RULE 145 PROMULGATED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, 1933 APPLIES. THE SHARES REPRESENTED BY THIS CERTIFICATE MAY ONLY BE TRANSFERRED IN ACCORDANCE WITH THE TERMS OF AN AGREEMENT DATED APRIL AUGUST __, 1998 1997 BETWEEN THE REGISTERED HOLDER HEREOF AND ASTORIA FINANCIAL CORPORATIONHUBCO, INC., A COPY OF WHICH AGREEMENT IS ON FILE AT THE PRINCIPAL OFFICES OF ASTORIA FINANCIAL CORPORATIONHUBCO, INC."

STOP TRANSFER INSTRUCTIONS; LEGEND ON CERTIFICATES. I also understand and agree that stop transfer instructions will be given to AFC HUBCO's transfer agents with respect to the AFC HUBCO Common Stock received by me and any of my affiliates and that there will be placed on the certificates of the AFC HUBCO Common Stock issued to me and any of my affiliates, or any substitutions therefor, a legend stating in substance: "THE SHARES REPRESENTED BY THIS CERTIFICATE WERE ISSUED IN A TRANSACTION TO WHICH RULE 145 PROMULGATED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, 1933 APPLIES. THE SHARES REPRESENTED BY THIS CERTIFICATE MAY ONLY BE TRANSFERRED IN ACCORDANCE WITH THE TERMS OF AN AGREEMENT DATED APRIL __FEBRUARY 5, 1998 1996 BETWEEN THE REGISTERED HOLDER HEREOF AND ASTORIA FINANCIAL CORPORATIONHUBCO, INC., A COPY OF WHICH AGREEMENT IS ON FILE AT THE PRINCIPAL OFFICES OF ASTORIA FINANCIAL CORPORATIONHUBCO, INC."

STOP TRANSFER INSTRUCTIONS; LEGEND ON CERTIFICATES. I also understand and agree that stop transfer instructions will be given to AFC HUBCO's transfer agents with respect to the AFC HUBCO Common Stock received by me and any of my affiliates and that there will be placed on the certificates of the AFC HUBCO Common Stock issued to me and any of my affiliates, or any substitutions therefor, a legend stating in substance: "THE SHARES REPRESENTED BY THIS CERTIFICATE WERE ISSUED IN A TRANSACTION TO WHICH RULE 145 PROMULGATED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, 1933 APPLIES. THE SHARES REPRESENTED BY THIS CERTIFICATE MAY ONLY BE TRANSFERRED IN ACCORDANCE WITH THE TERMS OF AN AGREEMENT DATED APRIL DECEMBER __, 1998 1997 BETWEEN THE REGISTERED HOLDER HEREOF AND ASTORIA FINANCIAL CORPORATIONHUBCO, INC., A COPY OF WHICH AGREEMENT IS ON FILE AT THE PRINCIPAL OFFICES OF ASTORIA FINANCIAL CORPORATIONHUBCO, INC."

STOP TRANSFER INSTRUCTIONS; LEGEND ON CERTIFICATES. I also understand and agree that stop transfer instructions will be given to AFC HUBCO's transfer agents with respect to the AFC HUBCO Common Stock received by me and any of my affiliates and that there will be placed on the certificates of the AFC HUBCO Common Stock issued to me and any of my affiliates, or any substitutions therefor, a legend stating in substance: "THE SHARES REPRESENTED BY THIS CERTIFICATE WERE ISSUED IN A TRANSACTION TO WHICH RULE 145 PROMULGATED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, 1933 APPLIES. THE SHARES REPRESENTED BY THIS CERTIFICATE MAY ONLY BE TRANSFERRED IN ACCORDANCE WITH THE TERMS OF AN AGREEMENT DATED APRIL MARCH __, 1998 BETWEEN THE REGISTERED HOLDER HEREOF AND ASTORIA FINANCIAL CORPORATIONHUBCO, INC., A COPY OF WHICH AGREEMENT IS ON FILE AT THE PRINCIPAL OFFICES OF ASTORIA FINANCIAL CORPORATIONHUBCO, INC."

STOP TRANSFER INSTRUCTIONS; LEGEND ON CERTIFICATES. I also understand and agree that stop transfer instructions will be given to AFC HUBCO's transfer agents with respect to the AFC HUBCO Common Stock received by me and any of my affiliates and that there will be placed on the certificates of the AFC HUBCO Common Stock issued to me and any of my affiliates, or any substitutions therefor, a legend stating in substance: "THE SHARES REPRESENTED BY THIS CERTIFICATE WERE ISSUED IN A TRANSACTION TO WHICH RULE 145 PROMULGATED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, 1933 APPLIES. THE SHARES REPRESENTED BY THIS CERTIFICATE MAY ONLY BE TRANSFERRED IN ACCORDANCE WITH THE TERMS OF AN AGREEMENT DATED APRIL __AS OF MARCH 31, 1998 BETWEEN THE REGISTERED HOLDER HEREOF AND ASTORIA FINANCIAL CORPORATIONHUBCO, INC., A COPY OF WHICH AGREEMENT IS ON FILE AT THE PRINCIPAL OFFICES OF ASTORIA FINANCIAL CORPORATIONHUBCO, INC."

STOP TRANSFER INSTRUCTIONS; LEGEND ON CERTIFICATES. I also understand and agree that stop transfer instructions will be given to AFC HUBCO's transfer agents with respect to the AFC HUBCO Common Stock received by me and any of my affiliates and that there will be placed on the certificates of the AFC HUBCO Common Stock issued to me and any of my affiliates, or any substitutions therefor, a legend stating in substance: "THE SHARES REPRESENTED BY THIS CERTIFICATE WERE ISSUED IN A TRANSACTION TO WHICH RULE 145 PROMULGATED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, 1933 APPLIES. THE SHARES REPRESENTED BY THIS CERTIFICATE MAY ONLY BE TRANSFERRED IN ACCORDANCE WITH THE TERMS OF AN AGREEMENT DATED APRIL __OCTOBER 22, 1998 1997 BETWEEN THE REGISTERED HOLDER HEREOF AND ASTORIA FINANCIAL CORPORATIONHUBCO, INC., A COPY OF WHICH AGREEMENT IS ON FILE AT THE PRINCIPAL OFFICES OF ASTORIA FINANCIAL CORPORATIONHUBCO, INC."