On December 19, 2012, Investors Bancorp, Inc. ("Investors Bancorp") entered into an Agreement and Plan of Merger (the "Merger Agreement") by and among
(i) Investors Bank ("Investors Bank"), Investors Bancorp and Investors Bancorp, MHC ("Investors MHC"), and (ii) Roma Bank ("Roma Bank"), Roma Financial Corporation ("Roma Financial") and Roma Financial Corporation, MHC ("Roma MHC"). The Merger Agreement provides, among other things, that as a result of the merger of Roma Financial into Investors Bancorp, each outstanding share of Roma Financial's common stock will convert into the right to receive 0.8653 shares of Investors Bancorp common stock, representing a purchase price of $15.00 per share based on Investors Bancorp's average closing stock price for the ten-day period ended December 18, 2012. Three members of Roma Financial board of directors will join the boards of directors of Investors Bancorp, Investors Bank and Investors MHC upon consummation of the transactions.

The Merger Agreement has been approved by the boards of directors of each of Investors Bancorp and Roma Financial. Subject to the required approvals of Investors Bancorp and Roma Financial shareholders, requisite regulatory approvals, the effectiveness of the registration statement to be filed by Investors Bancorp with respect to the stock to be issued in the transaction, and other customary closing conditions, the Merger is expected to be completed in the second quarter of 2013.

The Merger Agreement also includes certain termination provisions for both Investors Bancorp and Roma Financial and provides that, in connection with the termination of the Merger Agreement under specified circumstances, Roma Financial may be required to pay Investors Bancorp a termination fee of $12.0 million. Among the termination rights, Roma Financial has the right to terminate the Merger Agreement if (i) the average closing price of Investors Bancorp common stock for a specified period prior to closing of the Merger is less than $14.15 and (ii) Investors Bancorp common stock underperforms a specified peer-group index by more than 20%, subject to Investors Bancorp's right to increase the exchange ratio to avoid such termination.

The Merger Agreement includes customary representations, warranties and covenants of Roma Financial and Investors Bancorp made to each other as of specific dates. The assertions embodied in those representations and warranties were made solely for purposes of the contract between Investors Bancorp and Roma Financial and are not intended to provide factual, business, or financial information about Investors Bancorp or Roma Financial. Moreover, some of those representations and warranties may not be accurate or complete as of any specified date, may be subject to a contractual standard of materiality different from those generally applicable to shareholders or different from what a shareholder might view as material, may have been used for purposes of allocating risk between Investors Bancorp and Roma Financial rather than establishing matters as facts, may have been qualified by certain disclosures not reflected in the Merger Agreement that were made to the other party in connection with the negotiation of the Merger Agreement and generally were solely for the benefit of the parties to that agreement. Roma Financial has agreed to operate its business in the ordinary course consistent with past practice until the closing of the Merger and not to engage in certain kinds of transactions during such period (without the prior written consent of Investors Bancorp).

(a) Not Applicable.

(b) Not Applicable.

(c) Not Applicable.

(d) Exhibits

Exhibit 10.1    Definitive Agreement and Plan of Merger dated as of December 19,
                2012 by and among Investors Bank, Investors Bancorp, Inc.,
                Investors Bancorp MHC and Roma Bank, Roma Financial Corporation and
                Roma Financial, MHC (exhibits omitted)

Exhibit 99.1    Press Release dated December 19, 2012

Exhibit 99.2    Investors Bancorp, Inc. Presentation dated December 20, 2012