Kearny Financial Corp.

We are, from time to time, party to routine litigation, which arises in the normal course of business, such as claims to enforce liens, condemnation proceedings on properties in which we hold security interests, claims involving the making and servicing of real property loans and other issues incident to our business. At June 30, 2026, there were no lawsuits pending or known to be contemplated against us that would be expected to have a material effect on operations or income.