Astoria Financial Corporation Schedules First Quarter Earnings & Conference Call LAKE SUCCESS, N.Y., March 23 /PRNewswire-FirstCall/ -- Astoria Financial Corporation , announced that it expects to report first quarter earnings on Thursday, April 22,2004 at approximately 4:15 p.m. Eastern Time (ET). A copy of the news release will be immediately available on its web site, http://www.astoriafederal.com/. The Company also announced that George L. Engelke, Jr., Chairman, President & CEO of Astoria will host an earnings conference call on Friday morning at 9:30 a.m.(ET), April 23, 2004. Toll-free dial-in: (800) 967-7140 International dial-in: (719) 457-2629 A simultaneous webcast of the conference call will also be available on the Company's web site at http://www.astoriafederal.com/ and will be archived for one year. A telephone replay will be available on Friday, April 23, 2004 from 1 p.m. (ET) through Friday, April 30, 11:59 p.m. Replay # (Domestic): (888) 203-1112- Passcode: 745977 Replay # (International): (719) 457-0820 - Passcode: 745977 Astoria Financial Corporation, the holding company for Astoria Federal Savings and Loan Association, with assets of $22.5 billion, is the third largest thrift institution headquartered in New York and sixth largest in the United States. Astoria Federal embraces its philosophy of Putting people first by providing its 700,000 customers and the local communities it serves with quality financial products and services through 86 convenient banking office locations and multiple delivery channels, including its enhanced website, http://www.astoriafederal.com/ . Astoria commands the third largest deposit market share in the attractive Long Island market, which includesBrooklyn, Queens, Nassau and Suffolk counties with a population exceeding that of 38 individual states. Astoria originates mortgage loans through its banking offices and loan production offices in New York, an extensive broker network in nineteen states, primarily the East Coast, and through correspondent relationships in forty-four states. DATASOURCE: Astoria Financial Corporation CONTACT: Peter J. Cunningham, First Vice President, Investor Relations of Astoria Financial Corporation, +1-516-327-7877, Web site: http://ir.astoriafederal.com/ http://www.astoriafederal.com/ Company News On-Call: http://www.prnewswire.com/comp/104529.html

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