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Online Banking Agreement • March 9th, 2015 • New York

New York Community Bank Online Banking Agreement & Disclosure Statement March 7, 2015 This New York Community Bank Online Banking Agreement (“Agreement”) sets forth the terms and conditions that govern your use of the online banking products and services for accounts held at New York Community Bank (“NYCB”), including its divisions and Affiliates, that are accessed through the Internet, including mybankingdirect.com and amtrustdirect.com ("NYCB Online," for a particular service of NYCB Online, the “Service,” or any other name that we may use to describe such services or any individual service of NYCB Online). Your enrollment in NYCB Online may enable you to access some products and services through a Mobile Device (“Mobile Services”). By using, accessing or permitting any other person(s) or entity to use or access NYCB Online, you agree to comply with the terms of this Agreement, as it may be amended from time to time. Your use of NYCB Online is also subject to an

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