1240581--6/12/2009--CLIFTON_SAVINGS_BANCORP_INC

related topics
{condition, economic, financial}
{investment, property, distribution}
{provision, law, control}
{competitive, industry, competition}
{regulation, government, change}
{tax, income, asset}
{loss, insurance, financial}
{stock, price, share}
AN INVESTMENT IN SHARES OF OUR COMMON STOCK INVOLVES VARIOUS RISKS. A CONTINUED DETERIORATION IN NATIONAL AND LOCAL ECONOMIC CONDITIONS MAY NEGATIVELY IMPACT OUR FINANCIAL CONDITION AND RESULTS OF OPERATIONS. CHANGES IN INTEREST RATES MAY HURT OUR PROFITS AND ASSET VALUE. FUTURE FEDERAL DEPOSIT INSURANCE CORPORATION ASSESSMENTS WILL HURT OUR EARNINGS. STRONG COMPETITION WITHIN OUR MARKET AREA COULD HURT OUR PROFITS AND SLOW GROWTH. CLIFTON MHC'S MAJORITY CONTROL OF OUR COMMON STOCK ENABLES IT TO EXERCISE VOTING CONTROL OVER MOST MATTERS PUT TO A VOTE OF STOCKHOLDERS, INCLUDING PREVENTING SALE OR MERGER TRANSACTIONS YOU MAY LIKE OR A SECOND-STEP CONVERSION BY CLIFTON MHC. THE OFFICE OF THRIFT SUPERVISION'S POLICY ON REMUTUALIZATION TRANSACTIONS COULD PROHIBIT THE MERGER OR AN ACQUISITION OF US, WHICH MAY LOWER OUR STOCK PRICE. WE OPERATE IN A HIGHLY REGULATED ENVIRONMENT AND WE MAY BE ADVERSELY AFFECTED BY CHANGES IN LAWS AND REGULATIONS.

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