Summary of ROMA FINANCIAL CORP

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

Item 1.01 Entry into a Material Definitive Agreement.

On September 21, 2012, Roma Bank (the "Bank"), a wholly owned subsidiary of Roma Financial Corporation (the "Registrant") entered into an Agreement (the "Agreement") with the Office of the Comptroller of the Currency (the "Comptroller"). Pursuant to the Agreement, the Board of Directors of the Bank is required to establish a compliance committee to oversee the Bank's obligations under the Agreement and to prepare and submit written progress reports to the Comptroller on a periodic basis regarding the Bank's compliance with the terms of the Agreement. The Agreement also requires, among other things, that the Board (i) complete a review of the Board's processes regarding oversight of management and risk management and adopt and implement a plan, acceptable to the Comptroller, to strengthen oversight of management and operations; (ii) adopt a plan, acceptable to the Comptroller, to strengthen the Bank's credit risk management practices; (iii) adopt and implement a program, acceptable to the Comptroller, for the maintenance of an adequate allowance for loan and lease losses; (iv) adopt and implement a plan, acceptable to the Comptroller, to reduce the Bank's interest in criticized or classified assets; (v) adopt and implement an updated program, acceptable to the Comptroller, to ensure the Bank's compliance with the Bank Secrecy Act and ensure implementation of a Bank Secrecy Act/Anti-Money Laundering Risk Assessment Process; (vi) adopt, implement and ensure compliance with an independent internal audit program acceptable to the Comptroller; and (vii) establish a committee reporting to the Board to ensure oversight of the Bank's information technology activities.

The Agreement will continue until terminated by the Comptroller. The foregoing summary of the Agreement is qualified in its entirety by reference to the Agreement, a copy of which is filed as Exhibit 10.1 hereto, and incorporated herein by reference.

Additional regulatory restrictions resulting from the Agreement include that the Bank must obtain prior regulatory approval before either (i) appointing or changing the responsibilities of directors and senior executive officers, or
(ii) entering into any employment agreement or other agreement or plan providing for the payment of a "golden parachute payment" or the making of any golden parachute payment. The Bank's FDIC assessment rate will also increase.