Exhibit 10.66



ASTORIA
Bank
Amended and Restated
RETIREMENT MEDICAL, DENTAL AND VISION BENEFIT PLAN FOR
SENIOR OFFICERS (CoRporate VICE PRESIDENTS & ABOVE)



Purpose



Astoria Bank (f/k/a Astoria Federal Savings
and Loan Association), a federal savings association (the “Bank”), will provide retirement medical, dental,
and vision insurance benefits for employees of the Bank with a Corporate Officer title of Vice President and above (each, an “Eligible
Officer”), spouse, and eligible dependents, subject to the eligibility provisions of this Amended and Restated Retirement
Medical, Dental and Vision Benefit Plan for Senior Officers (Corporate Vice Presidents & Above) (this “Plan”).



Eligibility



Eligible Officers who upon the date of termination of
employment (a “Retirement Date”) with the Bank are at least 55 years of age and have at least ten
years of service will be eligible for benefits under this Plan. On the one year anniversary of the consummation of a
“Change in Control” (as defined in the 2014 Amended and Restated Stock Incentive Plan for Officers and Employees
of Astoria Financial Corporation), the ability for any individual to satisfy the eligibility requirements for participation
shall be frozen with the result that no individual shall be eligible for benefits under this Plan who has not satisfied as of
the one year anniversary of the Change in Control the minimum age and service eligibility requirements set forth in this
Plan, taking into account for purposes of age and years of service any imputed service described in the immediately following
sentence. When calculating age and service for purposes of determining eligibility to participate and the percentage of the
cost of coverage paid by the Bank under this Plan, an Eligible Officer who is party to an Employment Agreement or Change of
Control Severance Agreement with the Astoria Financial Corporation and/or the Bank as of the date of termination and who
receives separation payments under such agreement in connection with his or her termination of employment will be deemed to
have remained in the service of the Bank through the last day of the applicable “Remaining Unexpired Employment
Period” (as defined in the Employment Agreement) or “Assurance Period” (as defined in the Change of Control
Severance Agreement).













Coverage



Coverage pursuant to this Plan will be provided
for (1) each Eligible Officer who satisfies the eligibility requirements described above (a “Participant”)
for his or her lifetime; (2) such Eligible Officer’s spouse (each such person, a “Eligible Spouse”)
as of the applicable Commencement Date (as defined below) for his or her lifetime; provided that, if such Eligible Officer
predeceases his or her Eligible Spouse and such Eligible Spouse remarries, such Eligible Spouse shall cease to be covered under
this Plan as of the date of such remarriage; and (3) dependents of such Eligible Officer and his or her Eligible Spouse to
the extent eligible under the applicable Standard Plans (as defined below). Coverage will not be provided for a spouse or for any
dependents arising from a marriage or remarriage of the Eligible Officer that occurs following the applicable Commencement Date.
An Eligible Officer who satisfies the eligibility requirements described above may commence coverage under this Plan at any time
following his or her termination of employment and prior to his or her death (the date on which an Eligible Officer commences coverage,
a “Commencement Date”); provided that such Eligible Officer elects at the time of his or her termination
of employment to commence or defer his or her benefits in accordance with an election form substantially in the form attached hereto
as Exhibit A, If an Eligible Officer who has elected to commence coverage under this Plan later terminates such coverage,
he or she may not re-commence coverage under this Plan after such termination of coverage.



A Participant who is employed elsewhere
shall not be required to cease coverage under this Plan; provided that coverage under this Plan shall be secondary to any coverage
provided to the Participant as a result of such other employment.



On the applicable election form, a Participant
may elect medical coverage, dental coverage, vision coverage, or any combination thereof. During the annual open enrollment period,
a Participant may change elections. Enrollment in Medicare is required for any Participant who is at least age 65 and no longer
working. Enrollment in Medicare is also required for any spouse or dependent who is at least age 65 if this Plan provides primary
coverage to such spouse or dependent. Any and all Medicare costs are paid 100% by the Participant or any spouse or dependent who
is required to be enrolled in Medicare.



All or a portion of the Participant’s
cost of coverage under this Plan for a Standard Plan as indicated on Exhibit B shall be paid by the Bank based on the Participant’s
age as of the Retirement Date (which, for the avoidance of doubt, shall take into account any imputed service) based on the following
schedule:



|Retirement
Age | Percentage
        Paid by Bank
|-------------- | -------------------------------
|55             | 50%                            
|56             | 55%                            
|57             | 60%                            
|58             | 65%                            
|59             | 70%                            
|60             | 75%                            
|61             | 80%                            
|62             | 85%                            
|63             | 90%                            
|64             | 95%                            
|65 and older   | 100%                           



The percentage not paid by the Bank shall be paid by the Participant via deduction from his or her pension checks (if collecting
pension benefits), a check sent to Astoria Bank HR Health & Welfare Dept., or electronic bill payment





2







If any other insurance option is selected
from medical, dental, or vision plans offered by the Bank that is more expensive than the applicable Standard Plan as indicated
on Exhibit B, the Bank will pay 30% of the cost difference between the two options multiplied by the above percentage.



Death of an Eligible Officer Prior to Retirement



If a Participant dies prior to his or her
retirement from the Bank, such Participant’s spouse at the time of death shall be eligible for coverage with the Bank paying
for 100% of the cost of coverage based on the plans covering the spouse at the time of the Participant’s death or similar
plans selected from future plans offered. Coverage shall remain in effect until such spouse dies or remarries. Dependents of such
Participant and such spouse shall be covered to the extent provided in the applicable plan elected by such spouse in accordance
with this Plan.



Examples of the calculation of the cost
of coverage:



The examples set forth below illustrate
the methodology in calculating the Participant’s portion of the total cost of coverage and are for illustration only. The
actual cost to the Participant may differ from the examples depending on the total cost for coverage for the underlying medical,
dental or vision plan.



Examples (Retirement Before Age 65)



| | 1) | Participant retires at age 62 and selects standard medical and dental options:
| | -- | ------------------------------------------------------------------------------



|Monthly
Cost  |   | Bank
        Cost | Participant’s

Cost
|------------- | - | ----------------- | -------------------
|              |   |                   |                    
|$600.00 x .85 | = | $510.00           | $90.00             



| | 2) | Participant chooses the more expensive medical and dental options, $900.00 per month.
| | -- | -------------------------------------------------------------------------------------



|Standard
Cost |   | Supplement        |   | Bank
        Cost | Participant’s

Cost
|------------- | - | ----------------- | - | ----------------- | -------------------
|              |   |                   |   |                   |                    
|$510.00       | + | (.30 x 300 x .85) | = | $586.50           | $313.50            



| | * | 30%	—	Additional cost paid by the Bank.
$300	—	Difference between standard options and the higher options.
85%	—	Early retirement percentage from the chart.
| | - | ------------------------------------------------------------------------------------------------------------------------------------------------------------



Examples (Retirement On or After Age 65)



| | 1) | Participant selects the standard medical and dental options. Bank pays the full monthly cost of $600.00.
| | -- | --------------------------------------------------------------------------------------------------------



| | 2) | Participant chooses the more expensive medical and dental options, $900 per month.
| | -- | ----------------------------------------------------------------------------------





3







|Standard
Cost |   | Supplement  |   | Bank
        Cost | Participant’s
        
Cost
|------------- | - | ----------- | - | ----------------- | ---------------------------
|              |   |             |   |                   |                            
|$600.00       | + | (.30 x 300) | = | $690.00           | $210.00                    



Administration.



The Bank is administrator of the Plan (the
“Plan Administrator”). The Plan Administrator may delegate some or all of its duties and authority as such to
one or more employees, to a committee of employees, to a third-party claims administrator or such other persons as the Plan Administrator
deems appropriate. The Plan Administrator may delegate duties and authority with respect to the different coverages under this
Plan to different persons.



The Plan Administrator will have the powers
and responsibilities ascribed thereto under this Plan and all the powers necessary or appropriate to carry out its duties, including
the discretionary authority to interpret the provisions of the Plan and the facts and circumstances of claims for benefits, and
to decide questions of fact related thereto. Any interpretation or construction of or action by the Plan Administrator with respect
to the Plan and its administration will be conclusive and binding upon all parties and persons affected hereby.



Notwithstanding any Plan provision to the
contrary, no assets will be segregated for the purposes of providing benefits under this Plan unless a separate trust has been
established therefor. Benefits under this Plan will be paid out of the Bank’s general assets, to the extent such benefits
are not paid under the terms of insurance contracts.



Claims.



Claims will be evaluated by the Plan Administrator
or such other person or entity specified in the documents for a particular coverage, and will be approved or denied in accordance
with the terms of such documents. The claims procedures in the Cafeteria Plan Document of Astoria Bank will apply to the extent
that the procedures under any such documents fail to comply with applicable law. The claim and appeal rules will be construed and
applied in a manner consistent with applicable federal regulations as in effect on the date the claim was received.



Amendment and Termination



This Plan as amended and restated shall
be effective as of February 22, 2017. Prior to a Change in Control, this Plan may be amended, terminated, modified, or supplemented
by the Bank in its discretion. Following a Change in Control, this Plan may be amended, terminated, modified, or supplemented by
the Bank in its discretion only (a) as required by applicable law (and in the case of any such required amendment, in a manner
that preserves the value of the benefits to any Participant and any Eligible Officer who may be entitled to benefits hereunder)
or (b) with the written consent of each Participant and Eligible Officer who may become entitled to benefits hereunder (taking
into account the limitations on eligibility following a Change of Control as set forth herein); provided that an amendment
or modification to an underlying policy or plan shall not require written consent where each Standard Plan continues to have substantially
similar benefits as those that were available under each such Standard Plan immediately prior to such amendment or modification.



4







Exhibit A
Election Form



(attached)



A-1









| | SENIOR OFFICERS’ RETIREMENT MEDICAL,
        DENTAL & VISION 
POLICY
        ELECTION\DEFERRAL FORM PRE-65
| | ----------------------------------------------------------------------------------------------------------

Retiree
Personal Information

|Full Name: |      |       |     
|---------- | ---- | ----- | ----
|           | Last | First | M.I.



|Address: |                |                 
|-------- | -------------- | ----------------
|         | Street Address | Apartment/Unit #



| |      |       |         
| | ---- | ----- | --------
| | City | State | ZIP Code



|Home Phone: |  | Alternate
 Phone: |  | Home
Email: | 
|----------- |  | ----------------- |  | ----------- | 



|Date of Birth: |  | SSN: |  | Marital
Status: | 
|-------------- |  | ---- |  | --------------- | 





Check the box for the Plan and coverage level you are selecting
or check the defer enrollment box if you are not enrolling in benefits at this time



MEDICAL
PLAN OPTIONS

|PLAN                                    | RETIREE ONLY | RETIREE & ONE | RETIREE & FAMILY
|--------------------------------------- | ------------ | ------------- | ----------------
|CIGNA Health Savings Medical Plan (HSA) |              |               |                 
|CIGNA Managed Network Plan              |              |               |                 
|CIGNA Open Access Plan                  |              |               |                 



DENTAL
PLAN OPTIONS

|PLAN               | RETIREE ONLY | RETIREE & ONE | RETIREE & FAMILY
|------------------ | ------------ | ------------- | ----------------
|MetLife Dental DMO |              |               |                 
|MetLife Dental PPO |              |               |                 



VISION

|PLAN   | RETIREE ONLY | RETIREE & ONE | RETIREE & FAMILY
|------ | ------------ | ------------- | ----------------
|EyeMed |              |               |                 





COVERED
DEPENDENTS

|Complete all dependent information and check boxes for selected plans
|---------------------------------------------------------------------
|RELATIONSHIP                                                         
|SPOUSE                                                               
|CHILD                                                                
|CHILD                                                                





A-2







ELECTION
TO DEFER ENROLLMENT

|
|
|



ACKNOWLEDGEMENT

|
|
|



|Retiree’s Signature:                     |  | Date: | 
|---------------------------------------- |  | ----- | 
|Human Resource
Representative
Signature: |  | Date: | 





A-3







| | SENIOR OFFICERS’ RETIREMENT MEDICAL,
        DENTAL & VISION 
POLICY
        ELECTION\DEFERRAL FORM AGE 65 OR OVER
| | ------------------------------------------------------------------------------------------------------------------

Retiree
Personal Information

|Full Name: |      |       |     
|---------- | ---- | ----- | ----
|           | Last | First | M.I.



|Address: |                |                 
|-------- | -------------- | ----------------
|         | Street Address | Apartment/Unit #



| |      |       |         
| | ---- | ----- | --------
| | City | State | ZIP Code



|Home Phone: |  | Alternate
 Phone: |  | Home
Email: | 
|----------- |  | ----------------- |  | ----------- | 



|Date of Birth: |  | SSN: |  | Marital
Status: | 
|-------------- |  | ---- |  | --------------- | 



Check the box for the Plan and coverage level you are selecting
or check the defer enrollment box if you are not enrolling in benefits at this time



MEDICAL
PLAN OPTIONS

|PLAN                                                           | RETIREE ONLY | RETIREE & ONE
|-------------------------------------------------------------- | ------------ | -------------
|Aetna Medicare Advantage (includes Prescription Drug coverage) |              |              
|United HealthCare AARP with PDP                                |              |              
|United HealthCare without PDP                                  |              |              



DENTAL
PLAN OPTIONS

|PLAN               | RETIREE ONLY | RETIREE & ONE
|------------------ | ------------ | -------------
|MetLife Dental DMO |              |              
|MetLife Dental PPO |              |              



VISION

|PLAN   | RETIREE ONLY | RETIREE & ONE
|------ | ------------ | -------------
|EyeMed |              |              



COVERED
DEPENDENTS

|Complete all dependent information and check boxes for selected plans
|---------------------------------------------------------------------
|RELATIONSHIP                                                         
|SPOUSE                                                               



ELECTION
TO DEFER ENROLLMENT

|
|
|





A-4







ACKNOWLEDGEMENT

|
|
|



|Retiree’s Signature:                       |  | Date: | 
|------------------------------------------ |  | ----- | 
|Human Resource
 Representative Signature : |  | Date: | 



A-5







Exhibit B
Standard Plans



This list
may be modfieid or amended in accordance with the amendment provisions of the Amended and Restated Retirement Medical and Dental
Benefit Policy for Senior Officers (Corporate Vice Presidents & Above)



Pre-65 Medical Plans



CIGNA Managed Network Plan

CIGNA Health Savings Medical Plan (HSA)



Calculation of cost for a more expensive plan is based on cost
of CIGNA Managed Network Plan.



65 or Older Medical Plans



Aetna Medicare Advantage (includes Prescription Drug Coverage
(PDP))

United HealthCare AARP with PDP

United HealthCare without PDP



Participants enrolling in a medical plan with a separate PDP
may not elect the PDP as a standalone plan.



Dental



MetLife - Dental DMO



Vision



EyeMed Vision





B-1