<SEC-DOCUMENT>0000943374-24-000263.txt : 20240620
<SEC-HEADER>0000943374-24-000263.hdr.sgml : 20240620
<ACCEPTANCE-DATETIME>20240620084534
ACCESSION NUMBER:		0000943374-24-000263
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		18
CONFORMED PERIOD OF REPORT:	20240618
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20240620
DATE AS OF CHANGE:		20240620

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Kearny Financial Corp.
		CENTRAL INDEX KEY:			0001617242
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				300870244
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-37399
		FILM NUMBER:		241054257

	BUSINESS ADDRESS:	
		STREET 1:		120 PASSAIC AVENUE
		CITY:			FAIRFIELD
		STATE:			NJ
		ZIP:			07004
		BUSINESS PHONE:		(973) 244-4500

	MAIL ADDRESS:	
		STREET 1:		120 PASSAIC AVENUE
		CITY:			FAIRFIELD
		STATE:			NJ
		ZIP:			07004
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
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<FILENAME>form8k_061824.htm
<DESCRIPTION>KEARNY FINANCIAL CORP. FORM 8-K JUNE 18, 2024
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    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">UNITED STATES</div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">WASHINGTON, D.C. 20549</div>

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    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">CURRENT REPORT</div>

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    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><span style="text-decoration: underline;">Not Applicable</span></div>

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    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the
      following provisions:</div>

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    <td style="width: auto; vertical-align: top; text-align: left;">
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
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    <td style="width: auto; vertical-align: top; text-align: left;">
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    <td style="width: auto; vertical-align: top; text-align: left;">
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</div>
          </td>

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    <td style="width: auto; vertical-align: top; text-align: left;">
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</div>
          </td>

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    <div style="text-align: left; margin-top: 11pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Securities registered pursuant to Section&#160;12(b) of the Act:</div>

    <div><br/>
    </div>

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    <td style="width: 31.76%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Title of each class</div>
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    <td style="width: 3.84%; vertical-align: top;">&#160;</td>

    <td style="width: 19.22%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Trading</div>
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Symbol(s)</div>
          </td>

    <td style="width: 2.88%; vertical-align: top;">&#160;</td>

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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Name of each exchange on which registered</div>
          </td>

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    <td style="width: 3.84%; vertical-align: top;">&#160;</td>

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    <td style="width: 2.88%; vertical-align: top;">&#160;</td>

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    <div><br/>
    </div>

    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule&#160;405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or
      Rule&#160;12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</div>

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      </div>

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    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or
      revised financial accounting standards provided pursuant to Section&#160;13(a)&#160;of the Exchange Act.&#160;<span style="font-size: 10pt; font-family: 'Segoe UI Symbol', sans-serif;">&#9744;</span></div>

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    <div style="margin-bottom: 8pt;"><br/>
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    <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">Item 5.02</td>

    <td style="width: auto; vertical-align: top; text-align: left;">
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><span style="text-decoration: underline;">Departure of Directors or Certain Officers; Election of Directors;
                  Appointment of Certain Officers; Compensatory Arrangements of Certain Officers</span></span>.</div>
          </td>

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</table>
    <div><br/>
    </div>

    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-style: italic; font-weight: bold;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">Promotion of </span>Keith Suchodolski</div>

    <div><br/>
    </div>

    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">On June 20, 2024, Kearny Financial Corp. (the &#8220;Company&#8221;), </span>the



      holding company of Kearny Bank (the &#8220;Bank&#8221;), announced that the Company&#8217;s Board of Directors promoted Keith Suchodolski to Senior Executive Vice President and Chief Operating Officer of the Company and the Bank effective July 1, 2024.&#160; Mr.
      Suchodolski has served as the Company and Bank&#8217;s Senior Executive Vice President and Chief Financial Officer since July 2022. In <span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">connection with the Executive&#8217;s promotion
        to Senior Executive Vice President and Chief Operating Officer, the Company and the Bank entered into an amendment to Mr. Suchodolski&#8217;s employment agreement, effective as of July 1, 2024 (the &#8220;Amendment&#8221;).&#160; The Amendment is solely to replace all
        references to &#8220;Senior Executive Vice President and Chief Financial Officer&#8221; with &#8220;Senior Executive Vice President and Chief Operating Officer.&#8221;</span></div>

    <div><br/>
    </div>

    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-style: italic; font-weight: bold;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">Promotion of </span>Sean Byrnes</div>

    <div><br/>
    </div>

    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">On June 20, 2024, the Company and Bank</span> announced
      that the Company&#8217;s Board of Directors promoted Sean Byrnes to Executive Vice President, Chief Financial Officer and Principal Accounting Officer of the Company and the Bank effective July 1, 2024.&#160; Mr. Byrnes has served as the Company&#8217;s Executive
      Vice President and Deputy Chief Financial Officer since July 2023.&#160; In connection with Mr. Byrnes&#8217; promotion to Executive Vice President and Chief Financial Officer, Mr. Byrnes and the Bank entered into a change in control agreement, effective as of
      July 1, 2024 (the &#8220;CIC Agreement&#8221;).&#160; The CIC Agreement provides, in the event of a change in control of the Company or the Bank followed within twenty-four (24) months by an involuntary termination of employment for any reason other than cause or a
      termination for good reason, Mr. Byrnes will be entitled to a severance payment equal to two times annual base salary and two times the bonus earned in the fiscal year immediately preceding the date of a change in control, payable in a lump sum
      within ten days of his termination of employment, and continued participation in medical and dental coverage for two years.</div>

    <div><br/>
    </div>

    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-style: italic; font-weight: bold;">Amended and Restated Executive Management Incentive Compensation Program</div>

    <div style="text-align: justify; text-indent: 36pt; margin-top: 12pt; margin-bottom: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">On June 18, 2024, <span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">the



        Bank approved an Amended and Restated Executive Management Incentive Compensation Program (&#8220;Amended Program&#8221;), which will replace the prior Executive Management Incentive Compensation Program (&#8220;Prior Program&#8221;).&#160; The terms of the Amended Program are
        similar to the Prior Program except the Amended Program removes section 5(c) &#8211; Performance Gate from the Prior Program.</span></div>

    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">The press release issued by the Company related to the
        promotions of Mr. Suchodolski and Mr. Byrnes is included in this filing as Exhibit 99.1.&#160; </span>The foregoing descriptions of the Amendment, CIC Agreement and Amended Program do not purport to be complete and are qualified in their entirety by
      reference to the Amendment, CIC Agreement and Amended Program, which are attached hereto as Exhibits 10.1, 10.2 and 10.3 of this Current Report on Form 8-K and are incorporated by reference into this Item 5.02.</div>

    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br/>
    </div>

    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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            </td>

    <td style="width: auto; vertical-align: top; text-align: left;">
              <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;"><span style="font-weight: bold; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="text-decoration: underline;">Financial Statements and Exhibits</span></span></div>
            </td>

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              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(a)</div>
            </td>

    <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Financial Statements of Businesses Acquired.&#160; Not applicable.</div>
            </td>

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    </div>

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              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(b)</div>
            </td>

    <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Pro Forma Financial Information.&#160; Not applicable.</div>
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              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(c)</div>
            </td>

    <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Shell Company Transactions.&#160; Not applicable.</div>
            </td>

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    </div>

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              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(d)</div>
            </td>

    <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">Exhibits.</span></div>
            </td>

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    </div>

    <div style="text-align: justify; margin-left: 31.5pt;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><span style="text-decoration: underline;">Exhibit No.</span></span><span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 112.5pt">&#160;</span><span style="font-weight: bold; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="text-decoration: underline;">Description</span></span></div>

    <div><br/>
    </div>

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    <td style="width: 31.5pt;"><br/>
          </td>

    <td style="width: 76.5pt; vertical-align: top; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><a href="ex10-1_8k061824.htm">10.1</a></td>

    <td style="width: auto; vertical-align: top; text-align: left;">
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><a href="ex10-1_8k061824.htm">Amendment to Employment Agreement with Keith
                Suchodolski</a></div>
          </td>

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    </div>

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    <td style="width: 31.5pt;"><br/>
          </td>

    <td style="width: 76.5pt; vertical-align: top; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><a href="ex10-2_8k061824.htm">10.2</a></td>

    <td style="width: auto; vertical-align: top; text-align: left;">
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><a href="ex10-2_8k061824.htm">Change in Control Agreement <span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">with </span>Sean Byrnes</a></div>
          </td>

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    <td style="width: 31.5pt;"><br/>
          </td>

    <td style="width: 76.5pt; vertical-align: top; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><a href="ex10-3_8k061824.htm">10.3</a></td>

    <td style="width: auto; vertical-align: top; text-align: left;">
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><a href="ex10-3_8k061824.htm">Amended and Restated Executive Management Incentive
                Compensation Program</a></div>
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <a href="ex10-3_8k061824.htm"><br/>
              </a> </div>
          </td>

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          </td>

    <td style="width: 76.5pt; vertical-align: top; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><a href="ex99-1_8k061824.htm">99.1</a></td>

    <td style="width: auto; vertical-align: top; text-align: left;">
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><a href="ex99-1_8k061824.htm">Press Release dated June 20, 2024</a></div>
          </td>

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    </div>

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    <td style="width: 31.5pt;"><br/>
          </td>

    <td style="width: 76.5pt; vertical-align: top; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">104</td>

    <td style="width: auto; vertical-align: top; text-align: left;">
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Cover Page Interactive Data File (embedded within the Inline XBRL document).</div>
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    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">SIGNATURES</div>

    <div><br/>
    </div>

    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf
      by the undersigned, hereunto duly authorized.</div>

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    <td style="width: 41.22%; vertical-align: top;">&#160;</td>

    <td style="width: 5.88%; vertical-align: top;">&#160;</td>

    <td style="width: 52.9%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">KEARNY FINANCIAL CORP.</div>
            <div>&#160;</div>
            <div>&#160;</div>
          </td>

  </tr>

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    <td style="width: 41.22%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">DATE: June 20, 2024</div>
          </td>

    <td style="width: 5.88%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">By:&#160;&#160; <br/>
            </div>
          </td>

    <td style="width: 52.9%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">&#160;<span style="text-decoration: underline;">/s/ Craig L. Montanaro</span></div>
          </td>

  </tr>

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    <td style="width: 41.22%; vertical-align: top;">&#160;</td>

    <td style="width: 5.88%; vertical-align: top;">&#160;</td>

    <td style="width: 52.9%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Craig L. Montanaro</div>
          </td>

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    <td style="width: 41.22%; vertical-align: top;">&#160;</td>

    <td style="width: 5.88%; vertical-align: top;">&#160;</td>

    <td style="width: 52.9%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">President and Chief Executive Officer</div>
          </td>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>2
<FILENAME>ex10-1_8k061824.htm
<DESCRIPTION>AMENDMENT TO EMPLOYMENT AGREEMENT WITH KEITH SUCHODOLSKI
<TEXT>
<html>
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    <title></title>
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  <div style="text-align: right;"><font style="font-weight: bold;">EXHIBIT 10.1</font><br>
  </div>
  <div style="text-align: right;"><font style="font-weight: bold;"> <br>
    </font></div>
  <div><br>
  </div>
  <div>
    <div style="text-align: center; margin-bottom: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">AMENDMENT NUMBER ONE</div>
    <div style="text-align: center; margin-bottom: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">EMPLOYMENT AGREEMENT WITH KEITH SUCHODOLSKI</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">This Amendment Number One (the &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Amendment</font>&#8221;)



      to the employment agreement (the &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Employment Agreement</font>&#8221;) between Kearny Bank (the &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Bank</font>&#8221;) and Keith Suchodolski (&#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Executive</font>&#8221;) is made effective as of July 1, 2024.&#160; Capitalized terms
      which are not defined herein shall have the same meaning as set forth in the Employment Agreement.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">WHEREAS</font>, Executive was promoted
      to the position of Senior Executive Vice President and Chief Operating Officer of Kearny Financial Corp. (the &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Company</font>&#8221;) and the Bank effective
      July 1, 2024; and</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">WHEREAS</font>, in recognition of
      Executive&#8217;s promotion, the Bank and Executive desire to amend the Employment Agreement to replace the title &#8220;Senior Executive Vice President and Chief Financial Officer&#8221; with &#8220;Senior Executive Vice President and Chief Operating Officer&#8221;; and</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">WHEREAS</font>, Section 10(a) of the
      Employment Agreement provides that the Employment Agreement may be amended.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">NOW, THEREFORE,</font> in consideration
      of the premises, the mutual agreements herein set forth and such other consideration the sufficiency of which is hereby acknowledged, the Employment Agreement is hereby amended as follows:</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">Section<font style="font-size: 12pt;"> 1.</font></font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> </font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>New Title</u></font><font style="font-size: 12pt;">.</font>&#160; All references to &#8220;Senior Executive Vice President and Chief Financial Officer&#8221; are hereby replaced with &#8220;Senior Executive Vice President and Chief Operating Officer.&#8221;</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">Section <font style="font-size: 12pt;">2.</font></font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> </font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u><font style="font-size: 12pt;">Effec</font>tiveness</u></font>.&#160;



        This Amendment shall be deemed effective as of the date first above written, as if executed on such date.&#160; Except as expressly set forth herein, this Amendment shall not by implication or otherwise alter, modify, amend or in any way affect any of
        the terms, conditions, obligations, covenants or agreements contained in the Employment Agreement, all of which are ratified and affirmed in all respects and shall continue in full force and effect and shall be otherwise unaffected.</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Section 3.&#160;&#160;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Governing Law</u></font>.&#160;



      This Amendment and the rights and obligations hereunder shall be governed by and construed in accordance with the laws of the State of New Jersey.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Section 4.&#160;&#160;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Counterparts</u></font>.&#160;
      This Amendment may be executed in any number of counterparts, each of which shall for all purposes be deemed an original, and all of which together shall constitute but one and the same instrument.</div>
    <div style="margin-bottom: 12pt;"><br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="margin-bottom: 12pt;"><br>
    </div>
    <div style="text-align: left; text-indent: 36pt; margin-bottom: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">IN WITNESS WHEREOF</font>,
      the Bank and Executive have signed this Amendment as of June 18, 2024.</div>
    <div style="text-align: left; margin-left: 252pt; margin-bottom: 30pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">KEARNY BANK</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 216pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">B<font style="font-size: 12pt;">y:</font></font><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 180pt;" class="TRGRRTFtoHTMLTab">&#160; <u>/s/ Craig L. Montanaro</u><br>
      </font></div>
    <div style="text-align: justify; text-indent: 252pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Presi</font>dent and Chief Executive Officer</div>
    <div><br>
    </div>
    <div style="text-align: left; margin-left: 252pt; margin-bottom: 30pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">KEARNY FINANCIAL CORP.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 216pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">By<font style="font-size: 12pt;">:</font></font>&#160;&#160; <font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 180pt;" class="TRGRRTFtoHTMLTab"><u>/s/ Craig L. Montanaro</u></font></div>
    <div style="text-align: justify; text-indent: 252pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Pre</font>sident and Chief Executive Officer</div>
    <div style="margin-bottom: 30pt;">
      <div style="text-align: left; margin-left: 252pt; margin-bottom: 30pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;"> <br>
      </div>
      <div style="text-align: left; margin-left: 252pt; margin-bottom: 30pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">EXECUTIVE</div>
      <div><br>
      </div>
      <div style="text-align: justify; text-indent: 36pt; margin-left: 216pt;"><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 180pt;" class="TRGRRTFtoHTMLTab"><u>/s/ Keith Suchodolski</u><br>
        </font></div>
      <div style="text-align: justify; text-indent: 252pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Keith Suchodolski<br>
      </div>
      <div><br>
      </div>
    </div>
    <u><font style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 180pt;" class="TRGRRTFtoHTMLTab"> </font></u><font style="font-size: 12pt;"><br>
    </font>
    <div style="text-align: justify; text-indent: 252pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><br>
    </div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>3
<FILENAME>ex10-2_8k061824.htm
<DESCRIPTION>CHANGE IN CONTROL AGREEMENT WITH SEAN BYRNES
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  <div style="text-align: right;"><font style="font-weight: bold;">EXHIBIT 10.2</font><br>
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    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">TWO YEAR CHANGE IN CONTROL AGREEMENT</div>
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    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">This Change in Control Agreement (the &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Agreement</font>&#8221;)




      is made effective as of the 1<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">st</sup> day of July, 2024 (the &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Effective Date</font>&#8221;), by and between Kearny Bank (the &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Bank</font>&#8221;) and Sean Byrnes (the &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Executive</font>&#8221;).&#160; Any reference to the Company
      hereunder shall mean Kearny Financial Corp., (together with its successors and assigns), a Maryland corporation and the stock holding company of the Bank.</div>
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    <div style="text-align: center; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">WITNESSETH</div>
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    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">WHEREAS</font>, Executive is a party to
      a change in control agreement effective as of October 1, 2020 (the &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Prior Agreement</font>&#8221;); and</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
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    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif; font-weight: bold;">WHEREAS,</font><font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif;">&#160;</font><font style="font-size: 12pt;">in connection with Executive&#8217;s promotion to Executive Vice President and Chief Financial Officer, the Bank desires to enter into this Agreement with
        Executive, which shall replace and supersede the Prior Agreement in its entirety; and</font></div>
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      </font></div>
    <div style="text-align: justify;"><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">WHEREAS</font>, the Executive is willing to serve the Bank on the terms and conditions hereinafter set forth.</font></div>
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    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">NOW, THEREFORE</font>, in consideration
      of the mutual covenants herein contained, and upon the terms and conditions hereinafter provided, the parties hereby agree as follows:</div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">1.</div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">TERM OF AGREEMENT</div>
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    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">The initial term of this Agreement will begin as of the Effective Date and will continue for twenty-four (24) full calendar months.&#160;
      Commencing on July 1, 2025 and on each subsequent July 1 (each, an &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Anniversary Date</font>&#8221;), the term of this Agreement will renew such that the
      remaining term will be twenty-four (24) months from such Anniversary Date; provided, however, that in order for the term of this Agreement to renew, the disinterested members of the Board of Directors of the Bank (the &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Board</font>&#8221;) must take the following actions within the time frames set forth below prior to each Anniversary Date:&#160; (i) conduct or review a performance evaluation of Executive for
      purposes of determining whether to extend the term of this Agreement; and (ii) affirmatively approve the renewal of the term of this Agreement and include such decision in the minutes of the Board&#8217;s meeting.&#160; If the disinterested members of the Board
      decide not to renew the term of this Agreement, then the Board will provide Executive with a written notice of non-renewal (&#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Non-Renewal Notice</font>&#8221;)
      no later than five business days after such action is taken, in which event this Agreement will terminate twelve (12) months from the next Anniversary Date. The failure of the disinterested members of the Board to take the actions set forth herein
      before any Anniversary Date will result in the automatic non-renewal of this Agreement, even if the Board fails to affirmatively issue the Non-Renewal Notice to Executive.&#160; If the Board fails to inform Executive of its determination regarding the
      renewal or non-renewal of this Agreement, the Executive may request that the Board provide Executive with the reason(s) for its action (or non-action), and the Board will respond to Executive within 30 days of the receipt of such request.&#160; Reference
      herein to the term of this Agreement will refer to both such initial term and such extended terms.</div>
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    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Notwithstanding the foregoing, in the event that the Company or the Bank has entered into an agreement to effect a transaction which
      would be considered a Change in Control as defined below, then the term of this Agreement shall automatically be extended with no action by the Board and shall terminate twenty-four (24) months following the date on which the Change in Control
      occurs.</div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">2.</div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">DEFINITIONS</div>
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    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(a)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Change in Control</u></font>.&#160; For purposes of this Agreement, a &#8220;Change in Control&#8221; means any of
        the following events:</font></div>
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          <td style="width: 36pt; vertical-align: top; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(1)</td>
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            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Merger</u></font>:&#160; The Company or the Bank merges into or consolidates with another
              entity, or merges another Bank or corporation into the Bank or the Company, and as a result, less than a majority of the combined voting power of the resulting corporation immediately after the merger or consolidation is held by persons who
              were stockholders of the Company or the Bank immediately before the merger or consolidation;</div>
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          <td style="width: 36pt; vertical-align: top; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(2)</td>
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            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Acquisition of Significant Share Ownership</u></font>:&#160; A person or persons acting in
              concert has or have become the beneficial owner of 25% or more of a class of the Company&#8217;s or the Bank&#8217;s voting securities; provided, however, this clause (2) shall not apply to beneficial ownership of the Company&#8217;s or the Bank&#8217;s voting
              shares held in a fiduciary capacity by an entity of which the Company directly or indirectly beneficially owns 50% or more of its outstanding voting securities;</div>
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          <td style="width: 36pt; vertical-align: top; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(3)</td>
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            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Change in Board Composition</u></font>:&#160; During any period of two consecutive years,
              individuals who constitute the Company&#8217;s or the Bank&#8217;s Board of Directors at the beginning of the two-year period cease for any reason to constitute at least a majority of the Company&#8217;s or the Bank&#8217;s Board of Directors; provided, however,
              that for purposes of this clause (3), each director who is first elected by the board (or first nominated by the board for election by the stockholders or corporators) by a vote of at least two-thirds (2/3) of the directors who were directors
              at the beginning of the two-year period shall be deemed to have also been a director at the beginning of such period; or</div>
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          <td style="width: 36pt; vertical-align: top; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(4)</td>
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            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Sale of Assets</u></font>:&#160; The Company or the Bank sells to a third party all or
              substantially all of its assets.</div>
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    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Good Reason</u> shall mean a </font>termination by Executive following a Change in Control if,
        without Executive&#8217;s express written consent, any of the following occurs:</font></div>
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      </font></div>
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              <div style="text-align: left; margin-left: 72pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(1)</div>
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              <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">failure to elect or reelect or to appoint or reappoint Executive to the position and title that the Executive maintained immediately prior to a
                Change in Control;</div>
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              <div style="text-align: left; margin-left: 72pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(2)</div>
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              <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">a material change in Executive&#8217;s authority, duties or responsibilities to</div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">2</font></div>
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              <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">
                <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> become one of lesser authority, duty or responsibilities then the position Executive held immediately prior to the Change in Control;</div>
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    <div style="text-align: justify; font-family: 'Times New Roman',Times,serif; font-size: 12pt;"><br>
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              <div style="text-align: left; margin-left: 72pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(3)</div>
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              <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">a material reduction in Executive&#8217;s base salary and benefits; or</div>
              <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
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              <div style="text-align: left; margin-left: 72pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(4)</div>
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              <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">a relocation of Executive&#8217;s principal place of employment by more than<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">&#160;</font>35 miles from its location as of the date of this Agreement;</div>
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    <div style="text-align: justify; margin-left: 72pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">provided, however, that prior to any termination of employment for Good Reason, Executive must first provide written notice to the Bank
      (or its successor) within ninety (90) days following the initial existence of the condition, describing the existence of such condition, and the Bank shall thereafter have the right to remedy the condition within thirty (30) days of the date the Bank
      received the written notice from Executive.&#160; If the Bank remedies the condition within such thirty (30) day cure period, then no Good Reason shall be deemed to exist with respect to such condition.&#160; If the Bank does not remedy the condition within
      such thirty (30) day cure period, then Executive may deliver a Notice of Termination for Good Reason at any time within sixty (60) days following the expiration of such cure period.</div>
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    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(c)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Termination for Cause</u></font> shall mean termination because of, in the good faith
        determination of the Board, Executive&#8217;s:</font></div>
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              <div style="text-align: left; margin-left: 72pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(1)</div>
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              <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">material act of dishonesty or fraud in performing Executive&#8217;s duties on behalf of the Bank;</div>
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              <div style="text-align: left; margin-left: 72pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(2)</div>
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              <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">incompetence (in determining incompetence, the acts or omissions shall be measured against standards generally prevailing in the banking
                industry) in performing Executive&#8217;s duties on behalf of the Bank;</div>
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              <div style="text-align: left; margin-left: 72pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(3)</div>
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              <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">willful misconduct that in the judgment of the Board will likely cause economic damage to the Bank or injury to the business reputation of the
                Bank;</div>
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      <table cellspacing="0" cellpadding="0" id="z90af9437ec8847038d2b9c226bdf09ce" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 108pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 72pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(4)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">breach of fiduciary duty involving personal profit;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z5b54e0083e6b4630959724d2f605e46f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 108pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 72pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(5)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">intentional failure to perform stated duties under this Agreement after written notice thereof from the Board;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z5467950da26749fa8dc2a6fbe7d4b695" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 108pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 72pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(6)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">willful violation of any law, rule or regulation (other than traffic violations or similar offenses which results only in a fine or other
                non-custodial penalty) that reflect adversely on the reputation of the Bank, any felony conviction, any violation of law involving moral turpitude, or any violation of a final cease-and-desist order; any violation of the policies or
                procedures of the Bank as outlined in the Bank&#8217;s employee handbook,</div>
            </td>
          </tr>

      </table>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">3</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; margin-left: 108pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">which would result in termination of a Bank employee, as from time to time amended and incorporated herein by reference;&#160; or</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z9e3a714306124d3b9bcf07ee7a4dfcaa" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 108pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 72pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(7)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">material breach by Executive of any provision of this Agreement.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">A determination of whether Executive&#8217;s employment shall be terminated for Cause shall be made at a meeting of the Board called and held
      for such purpose, at which the Board makes a finding that in good faith opinion of the Board an event set forth in clauses (1), (2), (3), (4), (5), (6), or (7) above has occurred and specifying the particulars thereof in detail.</div>
    <div><br>
    </div>
    <div style="text-align: left; text-indent: -36pt; margin-left: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">3.<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 12pt">&#160;</font>BENEFITS UPON TERMINATION IN CONNECTION WITH A CHANGE IN CONTROL</div>
    <div><br>
    </div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(a)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">If Executive&#8217;s employment by the Bank, or its successor, shall be terminated at the effective time or within two years after a Change in Control and during the term of this
        Agreement by (1) the Bank, or its successor, for other than Cause, or (2) Executive for Good Reason, then the Bank, or its successor, shall:</font></div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z6c33623b13964fc5a1d19071459270ac" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 108pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 72pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(1)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">pay Executive, or in the event of Executive&#8217;s subsequent death, Executive&#8217;s beneficiary or beneficiaries or estate, as applicable, a cash
                severance amount equal to (i) twenty-four (24) months of the Executive&#8217;s base salary in effect as of the Date of Termination, or if higher, the base salary in effect immediately prior to the date of a Change in Control, and (ii) two times
                the bonus earned by the Executive from the Bank in the fiscal year immediately preceding the year in which the termination occurs, or if higher, the bonus earned in the fiscal year immediately preceding the date of a Change in Control, less
                applicable withholding taxes, payable by lump sum within ten (10) business days of the Date of Termination, and</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zec354fa633334bd794c1f99ee7022b65" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 108pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 72pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(2)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">cause to be continued at no cost to Executive, non-taxable medical and dental coverage substantially identical to the coverage maintained by the
                Bank for Executive prior to Executive&#8217;s termination for twenty-four (24) months.&#160; If the Bank cannot provide one or more of the benefits set forth in this Section 3(a)(2) because Executive is no longer an employee, applicable rules and
                regulations prohibit such benefits or the payment of such benefits in the manner contemplated, or it would subject the Bank to penalties, then the Bank shall pay Executive a cash lump sum payment reasonably estimated to be equal to the
                value of such benefits or the value of the remaining benefits at the time of such determination.&#160; Such cash payment shall be made in a lump sum within ten (10) days after the later of Executive&#8217;s Date of Termination or the effective date of
                the rules or regulations prohibiting such benefits or subjecting the Bank to penalties.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">In no event shall the payments or benefits to be made or provided to Executive under Section 3 hereof (the &#8220;Termination Benefits&#8221;) constitute an &#8220;excess parachute payment&#8221; under
        Section 280G of the Code or any successor thereto, and in order to avoid such a result,</font></div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">4</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Termination Benefits will be reduced, if necessary, to an amount, the value of which is one dollar ($1.00) less than an amount equal to three (3) times
      Executive&#8217;s &#8220;base amount,&#8221; as determined in accordance with Section 280G of the Code.&#160; The reduction of the Termination Benefits provided by this Section 3 shall be applied to the cash severance benefits otherwise payable under Section 3(a) hereof.</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z42fef155177d4a73b38a3da07deeba6c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">4.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">NOTICE OF TERMINATION</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><br>
      Any purported termination by the Bank or by Executive in connection with or following a Change in Control shall be communicated by Notice of Termination to the other party hereto. For purposes of this Agreement, a &#8220;Notice of Termination&#8221; shall mean a
      written notice which shall indicate the Date of Termination and, in the event of termination by Executive, the specific termination provision in this Agreement relied upon and shall set forth in reasonable detail the facts and circumstances claimed
      to provide a basis for termination of Executive&#8217;s employment under the provision so indicated.&#160; &#8220;Date of Termination&#8221; shall mean the date specified in the Notice of Termination (which, in the case of a termination for Cause, shall be immediate).</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z31ff5fe2420b4fbaa3ecca5b29c960e6" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">5.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">SOURCE OF PAYMENTS</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">All payments provided in this Agreement shall be timely paid in cash or check from the general funds of the Bank.</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="ze93c13c7a7bc4753b7d6a44f81ba3b26" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">6.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">REQUIRED PROVISIONS</div>
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;"> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(a)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">The Board may terminate Executive&#8217;s employment at any time, but any termination by the Board other than termination for Cause shall not prejudice Executive&#8217;s right to
        compensation or other benefits under this Agreement.&#160; Executive shall have no right to receive compensation or other benefits for any period after Executive&#8217;s termination for Cause.</font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">If Executive is suspended from office and/or temporarily prohibited from participating in the conduct of the Bank&#8217;s affairs by a notice served under Section&#160;8(e)(3) (12&#160;USC
        &#167;1818(e)(3)) or 8(g)(1) (12 USC &#167;1818(g)(1)) of the Federal Deposit Insurance Act (&#8220;FDIA&#8221;), the Bank&#8217;s obligations under this Agreement shall be suspended as of the date of service, unless stayed by appropriate proceedings.&#160; If the charges in the
        notice are dismissed, the Bank may in its discretion (i) pay Executive all or part of the compensation withheld while its contract obligations were suspended and (ii) reinstate (in whole or in part) any of its obligations which were suspended.</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(c)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">If Executive is removed and/or permanently prohibited from participating in the conduct of the Bank&#8217;s affairs by an order issued under Section 8(e)(4) (12 U.S.C. &#167;1818(e)(4)) or
        8(g)(1) (12 U.S.C. &#167;1818(g)(1)) of FDIA, all obligations of the Bank under this Agreement shall terminate as of the effective date of the order, but vested rights of the contracting parties shall not be affected.</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(d)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">If the Bank is in default as defined in Section 3(x)(1) (12 U.S.C. &#167;1813(x)(1)) of FDIA, all obligations under this Agreement shall terminate as of the date of default, but this
        paragraph shall not affect any vested rights of the contracting parties.</font></div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">5</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(e)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">All obligations under this Agreement shall be terminated, except to the extent determined that continuation of this Agreement is necessary for the continued operation of the
        Bank, (i) by either the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System or the New Jersey Department of Banking and Insurance (collectively, the &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Regulator</font>&#8221;) or his or her designee, at the time the FDIC enters into an agreement to provide assistance to or on behalf of the Bank under the authority contained in Section 13(c) (12 U.S.C.
        &#167;1823(c)) of FDIA; or (ii)&#160;by the Regulator or his or her designee at the time the Regulator or his or her designee approves a supervisory merger to resolve problems related to operations of the Bank or when the Bank is determined by the Regulator
        or his or her designee to be in an unsafe or unsound condition.&#160; Any rights of the parties that have already vested, however, shall not be affected by such action.</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(f)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">Notwithstanding anything herein to the contrary, any payments to Executive pursuant to this Agreement or otherwise are subject to and conditioned upon their compliance with
        12&#160;U.S.C. Section 1828(k) and the regulations promulgated thereunder in 12 C.F.R. Part 359.</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(g)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt"> </font>For purposes of this Agreement, any termination of Executive&#8217;s employment shall be construed to require a &#8220;Separation from Service&#8221; in accordance with Code Section 409A and the
      regulations promulgated thereunder, such that the Bank and Executive reasonably anticipate that the level of bona fide services Executive would perform after termination of employment would permanently decrease to a level that is less than 50% of the
      average level of bona fide services performed (whether as an employee or an independent contractor) over the immediately preceding thirty-six (36)-month period.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(h)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">Notwithstanding the foregoing, in the event Executive is a Specified Employee (as defined herein), then, solely, to the extent required to avoid penalties under Code Section
        409A, Executive&#8217;s payments shall be delayed until the first day of the seventh month following Executive&#8217;s Separation from Service.&#160; A &#8220;Specified Employee&#8221; shall be interpreted to comply with Code Section 409A and shall mean a key employee within
        the meaning of Code Section 416(i) (without regard to paragraph 5 thereof), but an individual shall be a &#8220;Specified Employee&#8221; only if the Bank or Company is or becomes a publicly traded company.</font></div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z8d63eec8b19c4e79b5e68a3a6ecbc3a6" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">7.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">NO ATTACHMENT</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Except as required by law, no right to receive payments under this Agreement shall be subject to anticipation, commutation, alienation,
      sale, assignment, encumbrance, charge, pledge, or hypothecation, or to execution, attachment, levy, or similar process or assignment by operation of law, and any attempt, voluntary or involuntary, to effect any such action shall be null, void, and of
      no effect.</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z9eaea23f17ac4e238fcc372fd5a6b309" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">8.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">ENTIRE AGREEMENT; MODIFICATION AND WAIVER</div>
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;"> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(a)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">This Agreement contains the entire understanding between the parties hereto and supersedes the Prior Agreement in its entirety, except that this Agreement shall not affect or
        operate to reduce any benefit or compensation inuring to Executive of a kind elsewhere</font></div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">6</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">provided. For purposes of clarity, the Prior Agreement is terminated as of the Effective Date without further notice.</div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">This Agreement may not be modified or amended except by an instrument in writing signed by the parties hereto.</font></div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(c)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">No term or condition of this Agreement shall be deemed to have been waived, nor shall there be any estoppel against the enforcement of any provision of this Agreement, except by
        written instrument of the party charged with such waiver or estoppel. No such written waiver shall be deemed a continuing waiver unless specifically stated therein, and each such waiver shall operate only as to the specific term or condition waived
        and shall not constitute a waiver of such term or condition for the future or as to any act other than that specifically waived.</font></div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z37f1db4b0e3a47eb849f5f67bd972a83" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">9.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">SEVERABILITY</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">If, for any reason, any provision of this Agreement, or any part of any provision, is held invalid, such invalidity shall not affect any
      other provision of this Agreement or any part of such provision not held so invalid, and each such other provision and part thereof shall to the full extent consistent with law continue in full force and effect.</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z9f00218618ca47699469d91f392a6e98" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">10.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">HEADINGS FOR REFERENCE ONLY</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">The headings of sections and paragraphs herein are included solely for convenience of reference and shall not control the meaning or
      interpretation of any of the provisions of this Agreement.</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z842c6dd67a6f4147bda0d3087340d975" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">11.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">GOVERNING LAW</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">This Agreement shall be governed by the laws of the State of New Jersey but only to the extent not superseded by federal law.</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z7c9679de6acc470d972dc5cbf4c06ce0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">12.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">ARBITRATION</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Any dispute or controversy arising under or in connection with this Agreement shall be settled exclusively by binding arbitration, as an
      alternative to civil litigation and without any trial by jury to resolve such claims, conducted by a single arbitrator, mutually acceptable to the Bank and Executive, sitting in a location selected by the Bank within fifty (50) miles from the main
      office of the Bank, in accordance with the rules of the American Arbitration Bank&#8217;s National Rules for the Resolution of Employment Disputes then in effect.&#160; Judgment may be entered on the arbitrator&#8217;s award in any court having jurisdiction.</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z5366a0c0b5144829a4afeb681bed75b7" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">13.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">PAYMENT OF LEGAL FEES</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">To the extent that such payment(s) may be made without triggering penalty under Code Section 409A, all reasonable legal fees paid or
      incurred by Executive pursuant to any dispute or question of interpretation relating to this Agreement shall be paid or reimbursed by the Bank, provided that the dispute or interpretation has been resolved in Executive&#8217;s favor, and such</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">7</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">reimbursement shall occur no later than sixty (60) days after the end of the year in which the dispute is settled or resolved in Executive&#8217;s favor.</div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zb6d7e71efe104facbcc16200902fca81" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">14.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">OBLIGATIONS OF BANK</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">The termination of Executive&#8217;s employment, other than following a Change in Control, shall not result in any obligation of the Bank
      under this Agreement.</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zce00b291731c4fddb76a075fb17d7b0b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">15.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">SUCCESSORS</font> <font style="font-weight: bold;">AND

                  ASSIGNS</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">The Bank shall require any successor or assignee, whether direct or indirect, by purchase, merger, consolidation or otherwise, to all or
      substantially all the business or assets of the Bank, expressly and unconditionally to assume and agree to perform the Bank&#8217;s obligations under this Agreement, in the same manner and to the same extent that the Bank would be required to perform if no
      such succession or assignment had taken place.</div>
    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;"> <br>
    </div>
    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">[Signature Page Follows]</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">8</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">IN WITNESS WHEREOF</font>,
      the Bank has caused this Agreement to be executed by its duly authorized Executive, and Executive has signed this Agreement, as of the Effective Date.</div>
    <div style="text-align: left; text-indent: 252pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">KEARNY BANK</div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 216pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">By:</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 180pt;"><u>/s/ Craig L. Montanaro</u></font><font style="font-family: 'Times New Roman',Times,serif; font-size: 12pt;"><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 180pt;"> </font></font></div>
    <div style="text-align: justify; text-indent: 252pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Craig L. Montanaro</div>
    <div style="text-align: justify; text-indent: 252pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">President and Chief Executive Officer</div>
    <div style="font-size: 12pt;"><br>
    </div>
    <div style="font-size: 12pt;"><br>
    </div>
    <div style="text-align: justify; text-indent: 252pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">EXECUTIVE</div>
    <div style="font-size: 12pt;"><br>
    </div>
    <div style="font-size: 12pt;"><br>
    </div>
    <div style="font-size: 12pt;"><br>
    </div>
    <div style="text-align: justify; text-indent: 216pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">By:</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u><font style="font-size: 12pt;">/s/ Sean Byrnes</font></u><font style="font-family: 'Times New Roman',Times,serif; font-size: 12pt;"><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 216pt;"><br>
        </font></font></div>
    <div style="text-align: justify; text-indent: 252pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Sean Byrnes</div>
    <div><br>
    </div>
  </div>
  <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">9</font></div>
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<DOCUMENT>
<TYPE>EX-10.3
<SEQUENCE>4
<FILENAME>ex10-3_8k061824.htm
<DESCRIPTION>AMENDED AND RESTATED EXECUTIVE MANAGEMENT INCENTIVE COMPENSATION PROGRAM
<TEXT>
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  <div style="text-align: right;"><font style="font-weight: bold;">EXHIBIT 10.3</font><br>
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            <div style="text-align: left; margin-right: 45pt; font-family: 'Times New Roman', Times, serif; font-size: 14pt;"><u>Amended and Restated Executive Management Incentive</u></div>
            <div style="text-align: left; margin-right: 45pt; font-family: 'Times New Roman', Times, serif; font-size: 14pt;"><u>Compensation Program</u></div>
            <div>&#160;</div>
          </td>
          <td style="width: 28.77%; vertical-align: top;">
            <div style="text-align: right;"><img width="176" height="32" src="image0.jpg"></div>
            <div style="text-align: right;">&#160;</div>
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    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">This document outlines the Kearny Bank Amended and Restated Executive Management Incentive Compensation Program (the &#8220;Program&#8221;) by and between Kearny
      Financial Corp. (&#8220;Kearny&#8221;), its subsidiary Kearny Bank (the &#8220;Bank&#8221;), and the Executive (the &#8220;Participant&#8221;).</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zef8a0cce912e40039fe80ff226a5faa6">

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              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">1.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Purpose</div>
            </td>
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      </table>
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    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The Program is designed to recognize and reward executives for their contribution to the Bank&#8217;s performance. The Program is designed to reward predefined
      performance goals that are critical to the Bank&#8217;s profitability, growth and prudent management of business risk. The Program is further intended to assist Kearny in its ability to motivate, attract and retain qualified executives.</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z27947bfb8b5d40c49aafadf7f0895947">

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            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">2.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Effective Date</div>
            </td>
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      </table>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The Program is in effect July 1, 2024 through June 30, 2025, and will continue to renew for successive one-year periods (each year being a &#8220;Program Year&#8221;)
      unless otherwise terminated or modified in accordance with the Program and specifically approved by the Compensation Committee (the &#8220;Committee&#8221;) of the Kearny Board of Directors (the &#8220;Board&#8221;).</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z3e2f6cb2974c4edba0d31500f912e25d">

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            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">3.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Eligibility</div>
            </td>
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    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Participation is limited to those executives recommended by the Chief Executive Officer and approved by the Committee during the first 90 days of each Program
      Year. The Committee shall retain the discretion to include as a Participant any otherwise-eligible executive hired or promoted after the commencement of a Program Year.</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z1f938078459f4cfc9941e012fe25fb00">

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              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">4.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Basis of Incentive Compensation Award</div>
            </td>
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      </table>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The Participant&#8217;s incentive compensation award under the Program is based on an incentive target that is approved at the beginning of the Program Year by the
      Committee (or its delegee) in its discretion. The incentive award is expressed as a percentage of the Participant&#8217;s base salary, and may be awarded if either or both the Kearny corporate goals (the &#8220;Corporate Goals&#8221;) and the Participant&#8217;s individual
      goals (the &#8220;Individual Goals&#8221;) are achieved.&#160; In no event shall a Participant receive payment under the Program that exceeds 200% of the Participant&#8217;s base salary for the Program Year.</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="za3b6dcb709ea44a79e72d836cfcc498f">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">5.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">&#160;Program Details</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The amount of incentive compensation that the Participant is entitled to receive under the Program is determined based on the Participant&#8217;s award target and
      weighting and achievement of the approved performance goals. The performance period for achievement of any performance goal(s) is the Program Year.</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zfe904b164af04eff945edc400870552e">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold;">a.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">&#160;<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;"><u>Award Targets and Weightings</u></font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Each Participant shall be assigned an incentive award target, calculated as a percentage of the Participant&#8217;s base salary, which may be awarded if Kearny and
      the Participant achieve targeted performance goals.</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Target awards shall be weighted between Corporate Goals and Individual Goals. The weightings for the two goal categories shall be recommended by the Chief
      Executive Officer and presented to the</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <!--PROfilePageNumberReset%Num%2%%%-->
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 71.23%; vertical-align: top;">
              <div style="text-align: left; margin-right: 45pt; font-family: 'Times New Roman', Times, serif; font-size: 14pt;"><u>Amended and Restated Executive Management Incentive</u></div>
              <div style="text-align: left; margin-right: 45pt; font-family: 'Times New Roman', Times, serif; font-size: 14pt;"><u>Compensation Program</u></div>
              <div>&#160;</div>
            </td>
            <td style="width: 28.77%; vertical-align: top;">
              <div style="text-align: right;"><img width="176" height="32" src="image0.jpg"></div>
              <div style="text-align: right;">&#160;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Committee for review and approval. Threshold, Target and Superior achievement levels for each Corporate Goal and Individual Goal will be recommended by the
      Chief Executive Officer and presented to the Committee for review and approval. The payout for the Threshold achievement level will be not less than 0% of the target payout, and the payout for the Superior achievement level will be not more than 200%
      of the target payout.</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z91b7beef3b0443b4bcac2e48f97903fc">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold;">b.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">&#160;<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;"><u>Program Funding</u></font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A funding trigger is in place for the program. The Program is funded if Kearny has positive operating earnings for the Program Year.&#160; The incentive awards
      paid are then determined by the Committee using the performance measures selected for the Program Year.</div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z6a463ff07ad048d3b2ceb69d33ba4b64">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold;">c.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold;"><u>Corporate Goals</u></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><br>
      The Corporate Goals for the Program Year will be recommended by the Chief Executive Officer and approved in writing by the Committee within the first 90 days of the Program Year.</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z3db10adb27df4c8a883770f170449499">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold;">d.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">&#160;<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;"><u>Individual Goals</u></font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Individual Goals for the Program Year will be established for each Participant in conjunction with their direct supervisor and will be presented to the
      Committee for review and approval.</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zd8f3811d24094649b5bdc76d73d61923">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold;">e.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">&#160;<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;"><u>Determination of Incentive
                    Compensation Award</u></font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The Committee will review performance against the Corporate Goals and any Individual Goals established for the Participant once the financial results are
      confirmed, certify in writing that the applicable performance goals were satisfied, and determine the amount of the incentive compensation award, if any, to be paid to each Participant under the Program. Notwithstanding any provision of the Program
      to the contrary, in making this determination, the Committee may, in its discretion, in light of such considerations as it may deem relevant, increase or decrease any payments to which a Participant would otherwise be entitled by such amount or
      percentage as the Committee deems appropriate. The program and its various financial inputs, goals, metrics and targets may be adjusted for extraordinary items at the discretion of the Compensation Committee.</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z00fd1549a9584fd8a26ca14c74baaafa">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">6.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Administrative Matters</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z75fcfd0b864b48b2b83440af3d910c6e">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold;">a.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Administration of the
                    Program</u></font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Responsibility for the administration of the Program, as described herein, rests with the Committee. The Chief Executive Officer shall monitor for accuracy
      the performance reporting of the Participant and make recommendations to the Committee concerning the amount of the Participant&#8217;s awards under the Program. In addition, the Committee, and ultimately the Board, is responsible for the overall
      oversight, supervision and existence of the Program. The Committee has been delegated the sole discretion to interpret the terms of the Program, to determine eligibility for benefits, and to calculate and render final incentive compensation awards
      under the Program. The Committee shall also be empowered to make any and all of the determinations not herein specifically authorized which may be necessary or desirable for the effective administration of the Program.</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">2</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 71.23%; vertical-align: top;">
              <div style="text-align: left; margin-right: 45pt; font-family: 'Times New Roman', Times, serif; font-size: 14pt;"><u>Amended and Restated Executive Management Incentive</u></div>
              <div style="text-align: left; margin-right: 45pt; font-family: 'Times New Roman', Times, serif; font-size: 14pt;"><u>Compensation Program</u></div>
              <div>&#160;</div>
            </td>
            <td style="width: 28.77%; vertical-align: top;">
              <div style="text-align: right;"><img width="176" height="32" src="image0.jpg"></div>
              <div style="text-align: right;">&#160;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The Committee may withhold or adjust any incentive compensation award in its sole discretion as it deems appropriate and will notify the Participant of its
      decision to withhold or adjust an incentive compensation award.</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Any decision or interpretation of any provision of the Program adopted by the Committee shall be final and conclusive.</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z2f42c9dac40540a980be8a886ce36fed">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold;">b.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">&#160;<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Active Participation
                    Required</u></font></div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z4f74d5032934419ca12bc410367ca50c">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 54pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">i.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;"><u>New Hires, Promotions, and Transfers</u></div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Participants who are not employed by the Bank at the beginning of the Program Year will receive a pro-rata incentive award based on their length of employment
      during a given year.</div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A Participant whose work schedule changes during the year will be eligible for pro-rated treatment that reflects their time in the different schedules.</div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">If a Participant changes their role or is promoted during the Program Year, they will be eligible for the new role&#8217;s target incentive award on a pro rata
      basis (i.e. the award will be prorated based on the number of months employed in the respective positions.)</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0069d7e766854f5cb3f5b8a92910fe70">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 54pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">ii.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;"><u>Termination of Employment &#8211; General</u></div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Unless otherwise specified in this Program, and as the Program is designed to encourage employees to remain in the employment of the Bank or its affiliates, a
      Participant must be an active employee of the Bank at the time the award is paid.</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z9d29dfac9f3247519c506b1583656c90">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 54pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">iii.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;"><u>Termination of Employment without Cause</u></div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Unless otherwise noted in the Program, if a Participant is involuntarily terminated by the Bank or Kearny without &#8220;cause&#8221; (as defined below), the
      Participant&#8217;s potential incentive award may, in the sole discretion of the Compensation Committee, be prorated.&#160; The Compensation Committee will consider the following factors in its pro-ration process: (i)&#160;reason for termination of employment,
      (ii)&#160;level of achievement of the Participant&#8217;s goals as of the Participant&#8217;s date of termination, and (iii)&#160;other factors the Committee deems relevant to the specific situation.</div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">For purposes of this Program, a termination for &#8220;cause&#8221; shall mean termination because of a Participant&#8217;s personal dishonesty, incompetence, willful
      misconduct, breach of fiduciary duty involving personal profit, intentional failure to perform their job functions, willful violation of any law, rule, regulations (other than a traffic violation or similar offenses) or the Participant&#8217;s breach of
      any cease and desist order issued by any banking regulatory agency which has oversight of Kearny or the Bank, or the U.S. Securities and Exchange Commission.</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z566ae79c7481423db2b21b0aad49b2f9">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 54pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">iv.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;"><u>Voluntary Resignation of Employment or Termination for Cause</u></div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">If a Participant voluntarily resigns or is terminated by the Bank for cause, no incentive award will be paid to the Participant.</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">3</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 71.23%; vertical-align: top;">
              <div style="text-align: left; margin-right: 45pt; font-family: 'Times New Roman', Times, serif; font-size: 14pt;"><u>Amended and Restated Executive Management Incentive</u></div>
              <div style="text-align: left; margin-right: 45pt; font-family: 'Times New Roman', Times, serif; font-size: 14pt;"><u>Compensation Program</u></div>
              <div>&#160;</div>
            </td>
            <td style="width: 28.77%; vertical-align: top;">
              <div style="text-align: right;"><img width="176" height="32" src="image0.jpg"></div>
              <div style="text-align: right;">&#160;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z7497f2cddbe9480782b2bf00f9f4a6d0">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 54pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">v.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;"><u>Voluntary Resignation for Good Reason</u></div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">If a Participant maintains an employment or change in control agreement with the Bank or Kearny and terminates their employment with the Bank for Good Reason
      (as defined in the applicable employment or change in control agreement), the Participant will receive a pro-rated incentive award.&#160; The Compensation Committee will prorate the award based on the Participant&#8217;s base salary earned as of their
      termination date or other factors the Compensation Committee deems relevant to the proration process.</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z3cc011fc10ce409d9f2e187229e94aa4">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 54pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">vi.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;"><u>Disability, Death and Retirement</u></div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">A Participant that is receiving long-term disability benefits will not be considered &#8220;actively employed&#8221; for the purposes of the Program and therefore will
      not be eligible to receive incentive awards during the period in which the Participant is on long-term disability, but may earn a pro-rata portion based on their period of active service.&#160;&#160; A Participant that is receiving short-term disability
      benefits may be eligible to participate in the Program during the period the Participant is on short-term disability, at the discretion of the Compensation Committee.</div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">In the event of death, the Bank will pay to the Participant&#8217;s estate the pro-rata portion of the award that had been earned by the Participant as of their
      date of death.&#160; The Compensation Committee will determine what portion of the award had been earned based on: (i)&#160;the base salary earned by the Participant as of their date of death and (ii)&#160;such other factors as the Committee deems relevant.&#160;</div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Individuals who retire during the Program Year will receive a prorated award based on their base salary earned as of their retirement date and other factors
      the Committee deems relevant.&#160; For the purposes of this Program, retirement is defined as age 55 with a minimum of 5 years of service.</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0c61e873d5be4691b3b253a7c646f803">

          <tr>
            <td style="width: 72pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 54pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">vii.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;"><u>Change in Control</u></div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Upon the occurrence of a Change in Control (as defined in Kearny&#8217;s employment agreement with its President and Chief Executive Officer) of Kearny or the Bank,
      the Bank will pay a Participant the pro-rata portion of the award that had been earned by the Participant as of the date of the Change in Control.&#160; The Compensation Committee will determine what portion of the award had been earned based on: (i)&#160;the
      base salary earned by the Participant as of the date of the Change in Control and (ii)&#160;such other factors as the Committee deems relevant.&#160;</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf012ad8ef93a47cc9ca317912154f9dd">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">7.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Payment Method</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The Compensation Committee, in its sole discretion, may elect to distribute all or a portion of an incentive award in Kearny common stock and/or cash to
      further align Participants&#8217; interests with those of the Kearny shareholders. Payment of awards, less deferrals and applicable federal, state and local taxes, will be made as soon as practicable following the end of the Program Year (the &#8220;Payment
      Date&#8221;), but in no event before certification of the Committee or later than September 30<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> following the end of the Program Year.</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">4</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 71.23%; vertical-align: top;">
              <div style="text-align: left; margin-right: 45pt; font-family: 'Times New Roman', Times, serif; font-size: 14pt;"><u>Amended and Restated Executive Management Incentive</u></div>
              <div style="text-align: left; margin-right: 45pt; font-family: 'Times New Roman', Times, serif; font-size: 14pt;"><u>Compensation Program</u></div>
              <div>&#160;</div>
            </td>
            <td style="width: 28.77%; vertical-align: top;">
              <div style="text-align: right;"><img width="176" height="32" src="image0.jpg"></div>
              <div style="text-align: right;">&#160;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z1d7bec91a5e147bcabedae2fe9fb2ece">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">8.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Modification and Termination of Program</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The Program may be modified or changed at any time by the Committee in its discretion, followed by written notification to the Participant as soon as
      reasonably practicable. The Program may be terminated at any time by the Committee in its discretion, followed by written notification to the Participant as soon as reasonably practicable. In the event of a Program termination, the Participant shall
      continue to be eligible for incentive compensation awards for the Program Year prorated through the Program&#8217;s termination date, unless the Committee determines in its discretion that no incentive compensation should be paid. Any incentive
      compensation awards shall be calculated through the date of the Program termination on such basis as the Committee deems appropriate in its discretion and will be payable as soon as practicable after the termination of the Program but in no event
      later than September 30<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> following the end of the Program Year.</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zd0ec5703515f4a74afb6ee845c922b7f">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">9.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Participant Rights Not Assignable; Program not a Contract</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Any awards made pursuant to the Program shall not be subject to assignment, pledge or other disposition.</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Nothing contained in the Program shall confer upon any employee any right to continued employment or to receive or continue to receive any rate of pay or
      other compensation, nor does the Program affect the right of Kearny or the Bank to terminate a Participant&#8217;s employment. Participation in the Program does not confer rights to participation in other Kearny or Bank programs<font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif;">,</font> including annual or long-term incentive programs, non-qualified retirement or deferred compensation programs or other executive perquisite programs.</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z034f5248137b4daf92831be78f866b1d">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">10.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Ethical Statement</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The altering, inflating, and/or inappropriate manipulation of performance/financial results or any other infraction of recognized ethical business standards,
      will subject the employee to disciplinary action up to and including termination of employment.&#160; In addition, any incentive compensation as provided by the Program to which the employee would otherwise be entitled will be revoked.</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Participants who have willfully engaged in any activity, injurious to the Bank, will upon termination of employment, death, or retirement, forfeit any
      incentive award earned during the award period in which the termination occurred.</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z080c329b13a6402a821bf43ccaadc588">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">11.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Governing Law</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><br>
      The parties agree that the interpretation and enforcement of the Program shall be governed by the laws of the state of New Jersey. The Participant consents and waives any objection to personal jurisdiction and venue in such court. The Program, and
      any payments thereunder, shall not be subject to the Employee Retirement Income Security Act.</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zdf529981500641569fd60ab41168a535">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">12.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Attorney&#8217;s Fees and Costs</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The parties agree that in the event of any legal action arising out of or relating to the interpretation or enforcement of the Program, Kearny and the Bank
      shall be entitled to recover their attorney&#8217;s fees and costs in the event that they are (or either of them is) the prevailing party.</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">5</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 71.23%; vertical-align: top;">
              <div style="text-align: left; margin-right: 45pt; font-family: 'Times New Roman', Times, serif; font-size: 14pt;"><u>Amended and Restated Executive Management Incentive</u></div>
              <div style="text-align: left; margin-right: 45pt; font-family: 'Times New Roman', Times, serif; font-size: 14pt;"><u>Compensation Program</u></div>
              <div>&#160;</div>
            </td>
            <td style="width: 28.77%; vertical-align: top;">
              <div style="text-align: right;"><img width="176" height="32" src="image0.jpg"></div>
              <div style="text-align: right;">&#160;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z4b957cf13f4f449085a34484ad91af20">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">13.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">No Oral or Written Representations</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The parties agree that they have relied on no oral or written representation or promises not set forth herein, and that the terms of the Program are set forth
      solely in the written Program document and it constitutes the complete and entire agreement of the parties relating to the subject matter hereof.</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z041382ef500f4ffcabf691751523c41a">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">14.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Clawback</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Participant, while employed by the Bank and in the conduct of their duties as an employee, shall not expose Kearny or the Bank to any unreasonable or
      unnecessary risk. All incentive compensation awards under the Program are subject to the terms of Kearny&#8217;s or the Bank&#8217;s recoupment, clawback or similar policy as such may be in effect from time to time, as well as any similar provisions of
      applicable law, which could in certain circumstances require repayment of an incentive compensation award or portion thereof.</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zbb3e3318f80c4abab09bb3fb6b50f0b5">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">15.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Banking Regulatory Provision</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">All incentive compensation awards under the Program are subject to any condition, limitation or prohibition under any financial institution regulatory policy
      or rule to which Kearny or the Bank is subject.</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Approved by the Board of Directors of Kearny Financial Corp. on June 18, 2024.</div>
    <div><br>
    </div>
    <div><br>
    </div>
  </div>
  <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">6</font></div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>5
<FILENAME>ex99-1_8k061824.htm
<DESCRIPTION>PRESS RELEASE DATED JUNE 20, 2024
<TEXT>
<html>
  <head>
    <title></title>
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  <div style="text-align: right;"><font style="font-weight: bold;">EXHIBIT 99.1</font><br>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div>
    <div>
      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">FOR IMMEDIATE RELEASE</div>
      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">June 20, 2024</div>
      <div><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">For further information contact:<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><br>
        </font>Craig L. Montanaro, President and Chief Executive Officer, or<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><br>
        </font>Keith Suchodolski, Senior Executive Vice President and Chief Financial Officer<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><br>
        </font>Kearny Financial Corp.<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><br>
        </font>(973) 244-4500</div>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">KEARNY FINANCIAL CORP. NAMES CHIEF OPERATING OFFICER AND</div>
    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">CHIEF FINANCIAL OFFICER</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Fairfield, N.J., June 20, 2024 &#8211; Kearny Financial Corp. (NASDAQ GS: KRNY) (the &#8220;Company&#8221;), the holding company for Kearny Bank (the &#8220;Bank&#8221;), announced
      today that the Board of Directors promoted Keith Suchodolski to Senior Executive Vice President and Chief Operating Officer, effective July 1, 2024. Mr. Suchodolski has held progressive leadership roles within the Company since 2013, most recently
      serving as Chief Financial Officer since July 2018. In his new role, Mr. Suchodolski&#8217;s range of responsibilities will broaden to include strategic oversight of retail &amp; business banking, human resources, marketing, corporate finance and corporate
      administration.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Craig L. Montanaro, President and Chief Executive Officer said, &#8220;Keith is an accomplished leader with a track record of success throughout his time with
      the Company. His knowledge and experience will play a critical role in shaping and implementing the Company&#8217;s strategic vision in the years ahead.&#8221;</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Concurrently, Sean Byrnes has been promoted to Executive Vice President and Chief Financial Officer, effective July 1, 2024. Mr. Byrnes, a Certified Public
      Accountant and CFA charterholder, joined the Bank in September 2020 as Chief Accounting Officer and currently holds the position of Deputy Chief Financial Officer. In his new role as the Company's senior financial leader, Mr. Byrnes will be
      responsible for all aspects of corporate finance and will partner with the Company&#8217;s senior leadership team to execute on the Company&#8217;s short- and long-term strategic goals.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Mr. Montanaro added, &#8220;I am pleased to congratulate Keith and Sean on their respective promotions, and I look forward to continuing to work closely with
      them. We are fortunate to have such talented leaders within the Company to take on these critical roles.&#8221;</div>
    <div><br>
    </div>
    <div>
      <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">About Kearny Financial Corp.</div>
    </div>
    <div>
      <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Kearny Financial Corp. is the parent company of Kearny Bank which operates from its administrative headquarters in Fairfield, New Jersey, and a total of
        43 retail branch offices located throughout northern and central New Jersey and Brooklyn and Staten Island, New York. At March 31, 2024, Kearny Financial Corp. had approximately $7.8 billion in total assets.</div>
    </div>
    <div>
      <div><br>
      </div>
    </div>
    <div style="text-align: justify; margin-bottom: 8pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-style: italic;">Statements contained in this news release that are not historical facts are forward-looking statements as that term
      is defined in the Private Securities Litigation Reform Act of 1995. Such forward-looking statements are subject to risks and uncertainties which could cause actual results</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
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        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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    <div style="margin-bottom: 8pt;"><br>
    </div>
    <div style="text-align: justify; margin-bottom: 8pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">to differ materially from those
        currently anticipated due to a number of factors, which include, but are not limited to, factors discussed in documents filed by the Company with the Securities and Exchange Commission from time to time. The Company does not undertake and
        specifically disclaims any obligation to update any forward-looking statement, whether written or oral, that may be made from time to time by or on behalf of the Company</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">.</font></div>
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  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>8
<FILENAME>krny-20240618_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<span style="display: none;">v3.24.1.1.u2</span><table class="report" border="0" cellspacing="2" id="idm139982669958384">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Jun. 18, 2024</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Jun. 18,  2024<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-37399<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">KEARNY FINANCIAL CORP.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001617242<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">MD<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">30-0870244<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">120 Passaic Avenue<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Fairfield<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">NJ<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">07004<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">973<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">244-4500<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, $0.01 par value<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">KRNY<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
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<td>xbrli:booleanItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td>duration</td>
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