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NOTICE

Please read these terms and conditions carefully. By accessing this Web site and any pages within, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this Web site, or any pages within.

COPYRIGHT © Flushing Bank 2013. ALL RIGHTS RESERVED.

Copyright in the pages and in the screen displaying the pages of this Web site, and in the information and the material contained within their arrangement, is owned by Flushing Bank unless otherwise indicated.

TRADEMARKS

Flushing Financial Corporation and Flushing Bank are registered trademarks. Flushing Financial Corporation and Flushing Bank may also claim trademark and servicemark rights in other marks contained in the pages.

USE OF INFORMATION AND MATERIALS

This Web site has been prepared solely for the purpose of providing information about Flushing Financial Corporation and Flushing Bank and the products and services Flushing Bank offers. The information and materials contained in the pages of this Web site - and the terms, conditions and descriptions that appear - are subject to change. Your eligibility for particular products and services is subject to final Flushing Financial Corporation and Flushing Bank determination and acceptance. Investment products are not obligations of or guaranteed by Flushing Financial Corporation or Flushing Bank. Investment products are not bank deposits or insured by the FDIC or any other entity, and are subject to investment risks, including possible loss of the principal amount invested.

NO WARRANTY

The information and materials contained in this Web site, including text, graphics, links or other items - are provided “as is”, “as available”. This Web site has been prepared in good faith by Flushing Financial Corporation and Flushing Bank. Nonetheless, Flushing Financial Corporation and Flushing Bank do not warrant the accuracy, adequacy or completeness of this information and materials and expressly declaims liability for errors or omissions in this information and materials.

In addition, the information in this Web site may have become out of date. Press Releases speak only as of the date of release. The reports filed by Flushing Financial Corporation with the Securities and Exchange Commission and accessible on the Web site, speak only as of the respective dates on which they were filed by Flushing Financial Corporation. Both Flushing Financial Corporation and Flushing Bank make no commitment, and disclaim any duty to update the information contained in any press release or in reports filed with the Securities and Exchange Commission, in each case, which are made available on this Web site. You should be aware that the periodic reports of Flushing Financial Corporation filed with the Securities and Exchange Commission include disclosure of factors which may affect our future performance We refer you to “Risk Factors” below.

No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third-party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials provided in this Web site.

RISK FACTORS

Except for the historical information contained in this Web site, many of the matters discusses in the within pages are forward-looking statements relating to our operations. Words such as “expects,” “intends,” “plans,” “projects,” “believes,” “estimates,” and similar expressions are used to identify these forward-looking statements. These statements are not guarantees of future performance and involve risks, uncertainties and assumptions that are difficult to predict. Assumptions as to future events may not prove to be accurate. Therefore, actual outcomes and results may differ materially from what is expressed or forecast in the forward-looking statements. Flushing Financial Corporation and Flushing Bank undertake no obligation to update any forward-looking statements for any reason, even if new information becomes available or other events occur in the future.

The report on Form 10-K for the year ended December 31, 2011 under the heading “Risk Factors,” which accompanies the information provided on this Web site and is available through the “Investor Relations” page, contains a number of important factors that could cause actual results to differ materially from those indicated by forward-looking statements, including fluctuations in interest rates, increased origination of of multi-family and commercial real estate loans and changes in legislation regulating banks and financial institutions.

THIRD PARTY INFORMATION AND LINKS

Hyperlinks to other Internet resources outside of our domain are at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by Flushing Financial Corporation or Flushing Bank. FlushingBank.com provides links from this web site to other non-FlushingBank.com operated web sites for your information only. FlushingBank.com neither recommends nor endorses any products or services appearing on these alternate sites. Neither are we responsible for the privacy practices or the contents of any web site other than our own. FlushingBank.com does not represent members or third parties should the two enter into an online transaction. FlushingBank.com suggests that you engage in an appropriate investigation for any products and services prior to purchase. Questions as to the content, availability or maintenance of these web sites should be directed to the site owners.

The stock price, earnings and other data provided by SNL Financial is for informational; purposes only, and is not intended for trading purposes. Neither Flushing Financial Corporation, SNL Financial nor their data or content suppliers guarantee the accuracy or completeness of any stock price information or other data displayed nor do these parties assume any liability to you or any other person, firm or corporation for any delays, interruptions, inaccuracies, errors, omissions or termination with respect to this data.

LIMITATION OF LIABILITY

In no event will Flushing Financial Corporation or Flushing Bank be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or use thereof or inability to use by ant party, or in connection with any failure of performance,error, omission,interruption,defect, delay in operation or transmission, computer virus or line or system failure, even if Flushing Financial Corporation, Flushing Bank, or representatives of, are advised the possibility of such damages, losses or expenses. Hyperlinks to other Internet resources are at your own risk, the content, accuracy,opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by Flushing Financial Corporation or Flushing Bank.

SUBMISSIONS

Except as posted in the Privacy Statement, all information submitted to Flushing Financial Corporation and Flushing Bank via this site shall be deemed and remain the property of Flushing Financial Corporation and Flushing Bank shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides Flushing Financial Corporation or Flushing Bank through this site. Flushing Financial Corporation and Flushing Bank shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by Flushing Financial Corporation or Flushing Bank pursuant to direct customer relationships, as provided in the Privacy Statement or as otherwise specifically required by law.