Clifton Bancorp's Customers Performance

CSBK

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CSBK's Source of Revenues		During the corresponding time, Clifton Bancorp Inc. recorded a revenue increase by 9.64 % year on year, sequentially revenue fell by -9.7 %. While revenue at the Clifton Bancorp Inc.'s corporate clients • List of CSBK Customers

for the same period Clifton Bancorp Inc. recorded revenue increase by 9.64 % year on year, sequentially revenue fell by -9.7 %.

• List of CSBK Customers

Clifton Bancorp's Business Units

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Clifton Bancorp's Comment on Sales, Marketing and Customers

We are headquartered in Clifton, New Jersey, which is located in northeast New Jersey and situated approximately 15 miles west of New York City. In addition to our main and loan offices located in Passaic County, we currently operate twelve banking centers in Bergen, Passaic and Hudson Counties in New Jersey, which, along with Essex, Morris, and Union Counties in New Jersey, comprise our market area.

We also make loans throughout New Jersey and, to a lesser extent, New York. The economy in our market area has benefited from being varied and diverse. It is both urban and suburban with a broad economic base. As a result of its proximity to New York City, our market area is also home to a significant number of commuters working in the greater New York City metropolitan area. New Jersey and New York, are considered amongst the most attractive banking markets in the United States.