They have always been helpful and friendly, and I'm on first-name terms with the Branch manager and all of the associates. Some years back, I had a problem with an eBay seller in Wales, UK. Having received my teller cheque (as good as cash, right?), drawn on Kearny Federal, the seller assumed she had me where she wanted and proceeded to change the conditions of the sale. When I complained to my KFS branch manager, Melissa, I was told she could reverse the teller cheque, even after the eBay seller had cashed it. Armed with this knowledge, I explained to the eBay vendor she would either comply with the original terms or refund all monies. She chose the latter. Years later, I still say "Thanks

| worked with Gene Svetnikov, who no longer works for Kearny Bank Gene was amazing during the entire mortgage process. Even though this was not my first mortgage, he believed in constant communication and clarity. He was always available to answer any questions or just give a bit of useful advise. Working with him helped get my mortgage in record time and has cemented me as his client for life. Thank you Gene for everything!!!!

I felt very down. The loan I was working so hard to get to buy our own first new home was not working out. But Larry didn't give up. He gave me hope and worked very tirelessly to pull off the impossible. And he did - it was a miracle - in the end we were approved. We love our home, and even after 5 years we still feel very indebted to Larry for securing the loan for us.