0001193125-15-303161 Sample Contracts

FORM OF STOCK OPTION AWARD AGREEMENT CLIFTON BANCORP INC. 2015 EQUITY INCENTIVE PLAN
Stock Option Award Agreement • August 26th, 2015 • Clifton Bancorp Inc. • Savings institution, federally chartered

This Stock Option Grant is awarded to (the “Participant”) by Clifton Bancorp Inc. (the “Company”) as of (the “Grant Date”), the date the Committee of the Board of Directors of the Company (the “Committee”) granted the Participant the right and option to purchase Shares pursuant to the Clifton Bancorp Inc. 2015 Equity Incentive Plan (the “2015 Plan”), subject to the terms and conditions of the 2015 Plan and this Award Agreement:

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FORM OF RESTRICTED STOCK AWARD AGREEMENT CLIFTON BANCORP INC. 2015 EQUITY INCENTIVE PLAN
Restricted Stock Award Agreement • August 26th, 2015 • Clifton Bancorp Inc. • Savings institution, federally chartered

This Award Agreement is provided to (the “Participant”) by Clifton Bancorp Inc. (the “Company”) as of , the date the Compensation Committee of the Board of Directors of the Company awarded the Participant a Restricted Stock Award pursuant to the Clifton Bancorp Inc. 2015 Equity Incentive Plan (the “2015 Plan”), subject to the terms and conditions of the 2015 Plan and this Award Agreement (hereinafter referred to as the “Award”):

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