0001144204-08-061911 Sample Contracts

Re: Amended and Restated Loan Agreement entered into as of January 1, 2000
Astoria Financial Corp • November 7th, 2008 • Savings institution, federally chartered

This letter is furnished to you by Astoria Financial Corporation ("AFC") to clarify certain rights and obligations of AFC and the Astoria Federal Savings and Loan Association Employee Stock Ownership Plan Trust (the "ESOP Trust") under the following documents:

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