Northfield Bancorp, Inc.

“On November 2, 2012, Northfield Bancorp, MHC, Northfield-Federal and Northfield Bank acquired Flatbush Federal Bancorp, MHC, Flatbush Federal Bancorp, Inc. and Flatbush Federal Savings & Loan Association (“the Merger”).”

“On July 1, 2020, the Company completed its acquisition of VSB Bancorp, Inc. (“Victory”), parent company of Victory State Bank, in a stock transaction”

“the acquisition of Hopewell Valley in 2016 further allowed the Company to expand its commercial and industrial lending in New Jersey and Pennsylvania”

“Victory State Bank operated six branch offices in Staten Island, New York (two of which were subsequently consolidated with existing branches).”

“Principles of Consolidation and Basis of Presentation: As of the dates of the financial statements, the transaction contemplated by the Plan of Conversion and Reorganization has not been completed and consequently, the operations of Northfield-Delaware, have not yet begun and there are no transactions to report. As of the dates of the financial statements, Northfield-Delaware does not own the Bank and consequently, there are no consolidated financial statements presented. Northfield-Delaware was formed for the purpose of effectuating the mutual-to-stock conversion of the MHC and while Northfield-Delaware is a legal entity, it has not executed any transactions of material consequence. Costs incurred by the MHC related to the mutual-to-stock conversion of the MHC and have been recorded by Northfield-Federal. All transactions in the name of Northfield-Delaware have been conducted for the benefit of the mutual-to-stock transaction of the MHC, and those costs have been recorded by Northfield-Federal, including the costs associated with the filing of this annual report on Form 10-K.”