KEEFE, BRUYETTE & WOODS, INC. LETTERHEAD] March 14, 2003 Mr. John A. Celentano, Jr. Chairman Clifton Savings Bank, SLA 1433 Van Houten Avenue Third Floor Clifton, NJ 07013 Dear Mr. Celentano: This proposal is in connection with Clifton Savings Bank,...Proposal for Conversion Services • June 13th, 2003 • Clifton Savings Bancorp Inc
