Document:

EX-10.2

 Exhibit 10.2 

EMPLOYMENT AGREEMENT 

This Employment Agreement (this “Agreement”) is dated this 11th day of March
2020, to be effective as of the Effective Date as defined in Section 22 below, by and between Provident Financial Services, Inc., a Delaware corporation (the “Company”), and Anthony J. Labozzetta (“Executive”). References to
the “Bank” mean Provident Bank, a New Jersey chartered savings bank and wholly owned subsidiary of the Company. The Company and the Bank are sometimes collectively referred to as “Employers.” 

WHEREAS, Executive is presently the President and Chief Executive Officer of SB One Bancorp, a New Jersey corporation
(“SBBX”), and SB One Bank, a New Jersey-chartered commercial bank and wholly-owned subsidiary of SBBX; and is a party to an employment agreement with SBBX and SB One Bank, dated January 20, 2010 (such agreement, the “Prior
Agreement”); and 
 WHEREAS, the Company and SBBX have executed and delivered an Agreement and Plan of Merger, dated as of
March 11, 2020 (the “Merger Agreement”), pursuant to which SBBX shall merge with and into the Company, with the Company as the surviving entity (the “Merger”); and 

WHEREAS, concurrently with the execution of the Merger Agreement, the parties desire to enter into this Agreement in order to induce
Executive to accept employment with, and to provide further incentive for Executive to achieve the financial and performance objectives of, the Employers; and 

WHEREAS, this Agreement shall supersede and replace the Prior Agreement as of the Effective Date. 

NOW, THEREFORE, in consideration of the mutual covenants herein contained, and upon the other terms and conditions hereinafter
provided, the parties hereby agree as follows: 
  

	1.	 POSITION AND RESPONSIBILITIES 

(a) Position. During the Initial Term (as defined in Section 2 below), Executive agrees to serve as Chief
Operating Officer and President of the Company and the Bank. Subject to and conditioned upon the approval of, and appointment by, the Board of Directors of the Company, commencing on January 1, 2022 and continuing during the Renewal Term (as
defined in Section 2 below), Executive agrees to serve as of Chief Executive Officer and President of the Company and the Bank. 

(b) Responsibilities. Executive will perform all duties and will have powers associated with the executive positions set
forth in Section 1(a), as directed by the Board of Directors and as may be set forth in the Bylaws of the Company and the Bank. In addition, Executive shall be responsible for establishing the business objectives, policies and strategic plans
of the Company and the Bank. During said period, Executive also agrees to serve, if elected, as an officer and director of any subsidiary or affiliate of the Bank or the Company without additional compensation. 

	2.	 TERM 

The period of Executive’s employment under this Agreement shall begin as of the Effective Date and shall continue through
December 31, 2021 (the “Initial Term”). Commencing on January 1, 2022, and continuing at each January 1 thereafter, the Agreement shall renew for an additional year such that the remaining term shall be twelve (12) full
calendar months (each a “Renewal Term”). The Initial Term and any Renewal Term shall be referred to as the “Term.” 
  

	3.	 PERFORMANCE OF DUTIES 

During the Term, except for periods of absence occasioned by illness, reasonable vacation periods, and reasonable leaves of absence approved by
the Board of the Company or the Bank (each a “Board,” as appropriate, however, unless otherwise noted, “Board” shall refer to the Company’s Board), Executive shall devote substantially all his business time, attention,
skill, and efforts to the faithful performance of his duties hereunder, including activities and services related to the organization, operation and management of the Company and the Bank; provided, however, that, with the approval of the Board of
the Company or the Bank, as evidenced by a resolution of such Board, from time to time, Executive may serve, or continue to serve, on the boards of directors of, and hold any other offices or positions in, business companies or business
organizations, which, in such Board’s judgment, will not present any conflict of interest with the Bank, or materially affect the performance of Executive’s duties pursuant to this Agreement. 

 

	4.	 COMPENSATION, BENEFITS AND REIMBURSEMENT 

(a) Base Salary. The compensation specified under this Agreement shall constitute the salary and benefits paid for the
duties described in Section 3. The Company or the Bank shall pay Executive as compensation a salary at an annual rate not less than $584,119.12 per year (“Base Salary”). Such Base Salary shall be payable biweekly, or with such other
frequency as officers and employees are generally paid. During the period of this Agreement, Executive’s Base Salary shall be reviewed at least annually, commencing in January 2021. Such review may be conducted by a committee designated by the
Board (the “Committee”), and the Board may increase, but not decrease (except a decrease that is generally applicable to all executive officers), Executive’s Base Salary (any increased Base Salary shall become the “Base
Salary” for purposes of this Agreement). In addition to the Base Salary provided in this Section 3(a), the Company or the Bank shall provide Executive at no cost to Executive with all such other benefits as are provided uniformly to
permanent full-time employees of the Bank. Base Salary shall include any amounts of compensation deferred by Executive under qualified and nonqualified plans, if any, maintained by the Company or the Bank. 

(b) Bonus and Incentive Compensation. Executive will be entitled to participate in any incentive compensation and bonus
plans or arrangements of Employers. Such incentive compensation will be paid in cash or stock in accordance with the terms of such plans or arrangements, or on a discretionary basis by the Committee. Nothing paid to Executive under any such plans or
arrangements will be deemed to be in lieu of other compensation to which Executive is entitled under this Agreement. 

  
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 (c) Benefit Plans. Executive will be entitled to participate in or
receive benefits under any employee benefit plans including, but not limited to, retirement plans, supplemental retirement plans, pension plans, profit-sharing plans, or any other employee benefit plan or arrangement made available by the Bank or
the Company in the future to its senior executives and key management employees, subject to and on a basis consistent with the terms, conditions and overall administration of such plans and arrangements. 

(d) Health, Dental, Life and Disability Coverage. Employers shall provide Executive with life, medical, dental and
disability coverage made available by Employers to its senior executives and key management employees, subject to and on a basis consistent with the terms, conditions and overall administration of such coverage. 

(e) Vacation and Leave. Executive will be entitled to paid vacation time each year during the term of this Agreement
measured on a calendar year basis, in accordance with the Bank’s customary practices, as well as sick leave, holidays and other paid absences in accordance with the Bank’s policies and procedures for senior executives. Any unused paid time
off during an annual period will be treated in accordance with the Bank’s personnel policies as in effect from time to time. 

(f) Expense Reimbursement. The Company or the Bank shall provide Executive with an automobile suitable to Executive’s
position, and such automobile may be used by Executive in carrying out his duties under this Agreement, including commuting between his residence and his principal place of employment, and other personal use. The Bank or the Company shall reimburse
Executive for the cost of maintenance and servicing such automobile and, for instance, gasoline and oil for such automobile, and will also reimburse Executive for his ordinary and necessary business expenses incurred in the performance of his duties
under this Agreement (including but not limited to travel and entertainment expenses) that are excludible from Executive’s gross income for federal income tax purposes and for fees for memberships in a country club, and such other clubs and
organizations and such other expenses as Executive and the Board shall mutually agree are necessary and appropriate for business purposes. Any such reimbursement shall be made only after presentation to the Company or the Bank of an itemized account
of such expenses in such form as the Company or the Bank may reasonably require, each such reimbursement payment to be made promptly following receipt of the itemized account and in any event not later than the last day of the calendar year
following the calendar year in which the expense was incurred. Executive shall be responsible for the payment of any taxes on account of his personal use of the automobile, if any, provided by the Bank or the Company and on account of any other
benefit provided herein. The foregoing provisions for use of an automobile provided by the Bank or the Company and reimbursement of related expenses shall apply on a calendar year basis; prior to the beginning of each calendar year, the Bank or the
Company may determine to substitute a cash allowance or other arrangement which it determines to be of equivalent value for one or more succeeding calendar years or any portion thereof during the term of this Agreement. 

(g) SERP. The Company and the Bank shall honor the terms and conditions of that certain Supplemental Executive Retirement
Agreement, dated as of July 20, 2011 and as it has been amended, by and between SBBX and Executive, in accordance with its terms (as such terms may be mutually amended between the parties thereto in accordance with the Merger Agreement,
including an amendment to freeze such agreement as of the Effective Time). 

  
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	5.	 TERMINATION AND TERMINATION PAY 

Executive’s employment under this Agreement may be terminated in the following circumstances: 

(a) Death. Executive’s employment under this Agreement will terminate upon his death during the Term, in which
event the Company’s sole obligation under this Agreement will be to pay or provide Executive’s estate or beneficiary any “Standard Termination Entitlements.” 

For purposes of this Agreement, “Standard Termination Entitlements” means the sum: (i) any Base Salary earned through the
Executive’s Date of Termination; (ii) unpaid expense reimbursements (subject to, and in accordance with, Section 4(f) of this Agreement); (iii) unused paid time off that accrued through the Date of Termination; (iv) the annual
bonus (if any) to which Executive is entitled under any cash-based annual bonus or performance compensation plan in effect for the year of the Date of Termination, to be paid at the same time and on the same terms and conditions (including but not
limited to achievement of performance goals) applicable under the relevant plan; (v) any earned but unpaid bonus and/or incentive compensation for the year immediately preceding the year of the Date of Termination; and (vi) any vested
benefits the Executive may have under any employee benefit plan of the Company or the Bank through the Date of Termination, which vested benefits shall be paid and/or provided in accordance with the terms of such employee benefit plans. Unless
otherwise provided by the applicable employee benefit plan, the Standard Termination Entitlements, if any, will be paid to Executive (or Executive’s estate or beneficiary) within 30 days following Executive’s Date of Termination. 

(b) Retirement. Executive’s employment under this Agreement will terminate upon his “Retirement.”
Termination of Executive’s employment based on “Retirement” shall mean termination of Executive’s employment (a) at age 65 or in accordance with any retirement policy established with Executive’s consent with respect to
him or (b) at such later time as the Company’s Board of Directors or an authorized committee thereof may determine. Upon termination of Executive upon Retirement, the Company’s sole obligation under this Agreement is to pay or provide
Executive any Standard Termination Entitlements. 
 (c) Disability. 

 

	 	(i)	 Termination of Executive’s employment based on “Disability” shall mean termination because of
any permanent and total physical or mental impairment which qualifies Executive for disability benefits under the applicable long-term disability plan maintained by the Company, the Bank or any subsidiary or, if no such plan applies, which would
qualify Executive for disability benefits under the Federal Social Security System, provided, however, that solely to the extent necessary to satisfy Section 409A of the Internal Revenue Code of 1986, as amended (the “Code”),
“Disability” shall satisfy the requirements of the Section 409A of the Code. In the event of termination due to Disability, Executive will be entitled to disability benefits, if any, provided under a long-term disability plan
sponsored by the Bank, if any. 

  
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	 	(ii)	 In the event of Executive’s Disability, the Company will be entitled to terminate this Agreement, and
Executive will be entitled to: (1) any Standard Termination Entitlements; and (2), as disability pay, a bi-weekly payment equal to seventy-five percent of Executive’s
bi-weekly rate of Base Salary on the effective date of such termination. These disability payments shall commence on the effective date of Executive’s termination and will end on the earlier of
(1) the date Executive returns to the full-time employment with the Bank and the Company in the same capacity as he was employed prior to his termination for Disability and pursuant to an employment agreement between Executive and the Bank or
the Company; (2) Executive’s full-time employment by another employer; (3) Executive attaining the age of 65; or (4) Executive’s death. The disability pay shall be reduced by the amount, if any, paid to Executive under any
plan of the Bank or the Company providing disability benefits to Executive. In lieu of the foregoing, in the sole discretion of the Company and the Bank, the Company or Bank may assist Executive in purchasing a supplemental disability policy owned
by Executive which would provide a disability benefit, when aggregated with any benefit payable under any plan of the Bank or Company, that would provide after-tax income equal to fifty percent of
Executive’s bi-weekly rate of Base Salary. In such case, the premiums for the supplemental disability policy would be fully paid by the Company or the Bank. 

 

	 	(iii)	 The Bank or the Company will cause to be continued life, medical, dental and disability coverage substantially
comparable, as reasonably or customarily available, to the coverage maintained by the Bank and the Company for Executive prior to his termination for Disability, except to the extent such coverage may be changed in its application to all Bank
employees or not available on an individual basis to an employee terminated for Disability. This coverage shall cease upon the earlier of: (i) the date Executive returns to the full-time employment with the Bank and the Company in the same
capacity as he was employed prior to his termination for Disability and pursuant to an employment agreement between Executive and the Bank or the Company; (ii) Executive’s full-time employment by another employer; (iii) Executive
attaining the age of 65; or (iv) Executive’s death. 

  
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 (d) Termination for Cause. 

 

	 	(i)	 The Board may, by written notice to Executive in the form and manner specified in this paragraph, immediately
terminate his employment at any time for “Cause.” In the event Executive’s employment is terminated for Cause, the Company’s sole obligation will pay or provide to Executive any Standard Termination Entitlements. Termination for
Cause shall mean termination because of, in the good faith determination of the Board, Executive’s: 

  

	 	(1)	 personal dishonesty; 

 

	 	(2)	 willful misconduct; 

  

	 	(3)	 breach of fiduciary duty involving personal profit; 

 

	 	(4)	 intentional failure to perform stated duties; 

 

	 	(5)	 material breach of the Company’s or the Bank’s Code of Business Conduct and Ethics;

  

	 	(6)	 willful violation of any law, rule or regulation (other than traffic violations or similar offenses), or any
violation of a final cease-and-desist order; 

  

	 	(7)	 willfully engaging in actions that in the reasonable opinion of the Board will likely cause substantial
financial harm or substantial injury to the business reputation of the Company or the Bank; or 

  

	 	(8)	 material breach of any provision of this Agreement. 

 

	 	(ii)	 For purposes of this Section 5(d), in evaluating Executive’s performance, Executive’s acts or
omissions shall be measured against standards generally prevailing in the savings institution and commercial banking industry. For purposes of this paragraph, no act or failure to act on the part of Executive shall be considered “willful”
unless done, or omitted to be done, by Executive not in good faith and without reasonable belief that Executive’s action or omission was in the best interest of the Bank and the Company. Executive’s employment shall not be terminated in
accordance with this paragraph for any act or action or failure to act which is undertaken or omitted in accordance with a resolution of the Board or upon advice of the Company’s counsel. 

 

	 	(iii)	 Notwithstanding the foregoing, Executive’s termination for Cause will not become effective unless the
Company has delivered to Executive a copy of a resolution duly adopted by the affirmative vote of a majority of the independent Directors of the Board, at a meeting of the Board called and held for the purpose of finding that, in the good faith
opinion of the Board (after reasonable notice to Executive and an opportunity for Executive to be heard before the Board), Executive was guilty of the conduct described above and specifying the particulars of such conduct. 

  
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 (e) Voluntary Termination by Executive. Executive may voluntarily
terminate his employment during the Term upon at least ninety (90) days prior written notice to the Board. In its discretion, the Board may accelerate Executive’s Date of Termination. Upon Executive’s voluntary termination, the
Company’s sole obligation under this Agreement will be to pay or provide Executive any Standard Termination Entitlements. Following his voluntary termination of employment under this Section 5(e), Executive will be subject to the
requirements and restrictions set forth in Sections 8(a), 8(b) and 8(c) of this Agreement. 
 (f) Termination Without Cause or
With Good Reason. 
  

	 	(i)	 The Board may, by written notice to Executive, immediately terminate his employment at any time for a reason
other than Cause (a termination “Without Cause”), and Executive may, by written notice to the Board, terminate this Agreement by resignation upon not less than thirty (30) days prior written notice given within a reasonable period of
time (not to exceed, except in the case of a continuing breach, four calendar months) following an event constituting “Good Reason, as defined in sub-section 5(f)(v) below. Any termination of
Executive’s employment shall have no effect on or prejudice the vested rights of Executive under the Employers’ qualified or non-qualified retirement, pension, savings, thrift, profit-sharing,
incentive compensation plans or equity plans, group life, health (including hospitalization, medical and major medical), dental, accident and long-term disability insurance plans or other employee benefit plans or programs, or compensation plans or
programs in which Executive was a participant as of the Date of Termination, unless the terms of any particular plan or program expressly provide otherwise.  

 

	 	(ii)	 In the event of termination under this Section 5(f), Employer shall pay Executive: 

 

	 	(1)	 any Standard Termination Entitlements; and 

 

	 	(2)	 as severance pay or liquidated damages, or both, a cash lump sum payment equal to the Base Salary and bonuses
due for longer of: (i) the remaining Term; or (ii) twelve (12) months following Executive’s Date of Termination. For these purposes, the “bonuses due for the remaining term of the Agreement” shall be determined as the
greater of one-twelfth of: (x) the average annual cash bonus paid to Executive with respect to the three completed fiscal years prior to Executive’s Date of Termination, or (y) the cash bonus
paid to Executive with respect to the last fiscal year ended prior to Executive’s Date of Termination, multiplied by the number of full calendar months in the longer of the two periods set forth immediately above in this sub-section. 

  
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	 	(iii)	 Upon the occurrence of a termination Without Cause or for Good Reason, the Company or the Bank will cause to be
continued life, medical, dental and disability coverage substantially comparable, as reasonably or customarily available, to the coverage maintained by the Company and the Bank for Executive prior to his Date of Termination, except to the extent
such coverage may be changed in its application to all Bank and Company employees. Such coverage shall cease at the end of the longer of: (i) the remaining Term; or (ii) twelve (12) months following Executive’s Date of Termination. To
the extent the Company or the Bank determines in good faith it is not practicable to provide in-kind coverage, it shall pay directly to the insurance carrier the premium, or reimburse Executive for his direct out-of-pocket cost, for comparable coverage obtained by Executive on his own. Each such reimbursement payment shall be made promptly on submission of an itemized account of
Executive’s reimbursable expense in such form as the Bank or the Company may reasonably require and in any event not later than the last day of the calendar year following the calendar year in which the expense was incurred. Each reimbursement
payment shall include an additional amount calculated by the Bank or the Company in its reasonable discretion to reflect the aggregate amount of federal, state and local income and payroll taxes incurred by Executive with respect to the
reimbursement payment. 

  

	 	(iv)	 “Good Reason” exists if, without Executive’s express written consent, any of the following
occurs: 

  

	 	(1)	 a failure to elect or reelect or to appoint or reappoint Executive as Chief Operating Officer and President of
the Company and the Bank during the Initial Term or as Chief Executive Officer and President of the Company and the Bank during the Renewal Term, or to nominate (and as to the Bank, elect) Executive to the Board of the Company and the Bank, unless
consented to by Executive or resulting from Executive’s refusal to stand for election; 

  

	 	(2)	 a material change in Executive’s functions, duties, or responsibilities, which change would cause
Executive’s position to become one of lesser responsibility, importance, or scope from the position and attributes thereof described in Section 1 above, to which Executive has not agreed in writing (and any such material change not agreed
to in writing shall be deemed a continuing breach of this Agreement); 

  

	 	(3)	 a relocation of Executive’s principal place of employment by more than twenty-five (25) miles from
the Company’s administrative headquarters (unless such change is closer to Executive’s principal residence at the time of such relocation); 

  

	 	(4)	 a material reduction in Executive’s benefits and perquisites, including Base Salary (except for any
reduction that is part of an employer-wide reduction in pay or benefits by Employer as part of a good faith, overall reduction or elimination applicable to all participants in a manner that does not discriminate against Executive (except as such
discrimination may be necessary to comply with applicable law)); 

  
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	 	(5)	 a liquidation or dissolution of the Company or the Bank other than liquidations or dissolutions that are caused
by reorganizations that do not affect the status of Executive; 

  

	 	(6)	 a material breach of this Agreement by the Employer. 

 

	 	(v)	 The payments and benefits under this Section 5(f) shall be paid to Executive or commence within 14 days
following Executive’s Date of Termination, or if later, following the seventh (7th) day after Executive executes a release of his claims against Employer, its officers, directors, successors
and assigns, in the form attached to this Agreement (the “Release”). The Release must be executed and become irrevocable by the 60th day following the Date of Termination, provided that
if the 60-day period spans two (2) calendar years, then, to the extent necessary to comply with Section 409A of the Code, the payments under this Section 5(f) will be paid, or commence, in the
second calendar year. The payments due under this Section 5(f) (other than any Standard Termination Entitlements) are subject to Executive’s execution of the Release. 

(g) Termination and Board Membership. To the extent Executive is a member of the Board of the Company, the Bank or of any
of their subsidiaries or affiliates (including The Provident Bank Charitable Foundation) on the date of termination of employment with Employer, then immediately upon such termination, Executive’s service on such board shall terminate and this
Agreement shall constitute any required notice of resignation. 
  

	6.	 CHANGE IN CONTROL 

(a) If any of the events described in Section 6(b) hereof constituting a Change in Control shall have occurred or the Board has
determined that a Change in Control has occurred, Executive shall not be entitled to the benefits provided under Section 5 of this Agreement upon any termination of employment, but shall be entitled only to the benefits provided under a
separate Change in Control Agreement. 
 (b) “Change in Control” shall mean the occurrence of any of the following events:

 (i) consummation of a transaction that results in the reorganization, merger or consolidation of the Company, with one or more other
persons, other than a transaction following which: 
 (A) at least 51% of the equity ownership interests of the entity resulting from such
transaction are beneficially owned (within the meaning of Rule 13d-3 promulgated under the Securities Exchange Act of 1934, as amended (“Exchange Act”)) in substantially the same relative proportions
by persons who, immediately prior to such transaction, beneficially owned (within the meaning of Rule 13d-3 promulgated under the Exchange Act) at least 51% of the outstanding equity ownership interests in the
Company; and 

  
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 (B) at least 51% of the securities entitled to vote generally in the election of directors
of the entity resulting from such transaction are beneficially owned (within the meaning of Rule 13d-3 promulgated under the Exchange Act) in substantially the same relative proportions by persons who,
immediately prior to such transaction, beneficially owned (within the meaning of Rule 13d-3 promulgated under the Exchange Act) at least 51 % of the securities entitled to vote generally in the election
of directors of the Company; 
 (ii) the acquisition of all or substantially all of the assets of the Company or beneficial ownership (within
the meaning of Rule 13d-3 promulgated under the Exchange Act) of 20% or more of the outstanding securities of the Company entitled to vote generally in the election of directors by any person or by any persons
acting in concert, or approval by the shareholders of the Company of any transaction which would result in such an acquisition; 
 (iii) a
complete liquidation or dissolution of the Company or the Bank, or approval by the shareholders of the Company of a plan for such liquidation or dissolution; 

(iv) the occurrence of any event if, immediately following such event, members of the Company’s Board who belong to any of the following
groups do not constitute at least a majority of the Company’s Board: 
 (A) individuals who were members of the Company’s Board on
the Effective Date; or 
 (B) individuals who first became members of the Company’s Board after the Effective Date either: 

(I) upon election to serve as a member of the Company’s Board by the affirmative vote of three-quarters of the members of such Board, or
of a nominating committee thereof, in office at the time of such first election; or 
 (II) upon election by the shareholders of the Company
to serve as a member of the Company’s Board, but only if nominated for election by the affirmative vote of three-quarters of the members of such Board, or of a nominating committee thereof, in office at the time of such first nomination;
provided that such individual’s election or nomination did not result from an actual or threatened election contest or other actual or threatened solicitation of proxies or consents other than by or on behalf of the Company’s Board; or

 (v) any event which would be described in Section 6(b)(i), (ii), (iii), (iv), or (v), if the term “Bank” were substituted
for the term “Company” therein and the term “Bank’s Board” were substituted for the term “Company’s Board” therein. In no event, however, shall a Change in Control be deemed to have occurred as a result of any
acquisition of securities or assets of the Company, the Bank or a subsidiary of either of them, by the Company, the Bank, any subsidiary of either of them, or by any employee benefit plan maintained by any of them. For purposes of this
Section 6, the term “person” shall include the meaning assigned to it under Sections 13(d)(3) or 14(d) of the Exchange Act. 

  
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	7.	 NOTICE 

(a) Any purported termination by the Bank or the Company for Cause shall be communicated by Notice of Termination to Executive. For
purposes of this Agreement, a “Notice of Termination” shall mean a written and dated notice which shall indicate the specific termination provision in this Agreement relied upon and shall set forth in reasonable detail the facts and
circumstances claimed to provide a basis for termination of Executive’s employment under the provision so indicated. If, within thirty (30) days after any Notice of Termination for Cause is given, Executive notifies the Bank or the Company
that a dispute exists concerning the termination, the parties shall promptly proceed to arbitration. Notwithstanding the pendency of any such dispute, the Bank and the Company may discontinue to pay Executive compensation until the dispute is
finally resolved in accordance with this Agreement. If it is determined that Executive is entitled to compensation and benefits under Section 5 of this Agreement, the payment of such compensation and benefits by the Bank and Company shall
commence immediately following the date of resolution by arbitration, with interest due Executive on the cash amount that would have been paid, pending arbitration (at the prime rate as published in The Wall Street Journal from time to time).

 (b) Any other purported termination by the Bank and/or the Company or by Executive shall be communicated by a Notice of Termination
to the other party. For purposes of this Agreement, a “Notice of Termination” shall mean a written notice which shall indicate the specific termination provision in this Agreement relied upon and shall set forth in detail the facts and
circumstances claimed to provide a basis for termination of employment under the provision so indicated. The Notice of Termination shall specify the “Date of Termination,” which shall be not less than thirty (30) nor more than ninety
(90) days after such Notice of Termination is given, except in the case of the Employers’ termination of Executive’s employment for Cause, which shall be effective immediately. If within thirty (30) days after any Notice of
Termination is given, the party receiving such Notice of Termination notifies the other party that a dispute exists concerning the termination, the parties shall promptly proceed to arbitration as provided in Section 17 of this Agreement.
Notwithstanding the pendency of any such dispute, the Bank or the Company shall continue to pay Executive his Base Salary and other compensation and benefits in effect when the notice giving rise to the dispute was given (except as to termination of
Executive for Cause). In the event of the voluntary termination by Executive of his employment, which is disputed by the Bank or the Company, and if it is determined in arbitration that Executive is not entitled to termination benefits pursuant to
this Agreement, he shall return all cash payments made to him pending resolution by arbitration, with interest thereon at the prime rate as published in The Wall Street Journal from time to time if it is determined in arbitration that
Executive’s voluntary termination of employment was not taken in good faith and not in the reasonable belief that grounds existed for his voluntary termination. 
  

	8.	 NON-COMPETITION AND POST-TERMINATION OBLIGATIONS

 All payments and benefits to Executive under this Agreement shall be subject to Executive’s compliance with
paragraph (a), (b) and (c) of this Section 8. 
 (a) Information and Assistance. Executive shall, upon
reasonable notice, furnish such information and assistance to the Bank and the Company as may reasonably be required by the Bank or the Company in connection with any litigation in which it or any of its subsidiaries or affiliates is, or may become,
a party. 

  
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 (b) Confidentiality. Executive recognizes and acknowledges that
the knowledge of the business activities and plans for business activities of the Employers and affiliates thereof, as it may exist from time to time, is a valuable, special and unique asset of the business of the Employers. Executive will not,
during or after the term of his employment, disclose any knowledge of the past, present, planned or considered business activities of the Employers or affiliates thereof to any person, firm, corporation, or other entity for any reason or purpose
whatsoever (except for such disclosure as may be required to be provided to the New Jersey Department of Banking and Insurance, the Federal Deposit Insurance Corporation, or other bank regulatory agency with jurisdiction over the Bank or Executive).
Notwithstanding the foregoing, Executive may disclose any knowledge of banking, financial and/or economic principles, concepts or ideas which are not solely and exclusively derived from the business plans and activities of the Bank, and Executive
may disclose any information regarding the Bank or the Company which is otherwise publicly available or which Executive is otherwise legally required to disclose. In the event of a breach or threatened breach by Executive of the provisions of this
Section 8, the Employers will be entitled to an injunction restraining Executive from disclosing, in whole or in part, the knowledge of the past, present, planned or considered business activities of the Employers or affiliates thereof, or from
rendering any services to any person, firm, corporation, other entity to whom such knowledge, in whole or in part, has been disclosed or is threatened to be disclosed. Nothing herein will be construed as prohibiting the Employers from pursuing any
other remedies available to the Employers for such breach or threatened breach, including the recovery of damages from Executive. 

(c) Non-Solicitation/Non-Compete. Upon any
termination of Executive’s employment hereunder pursuant to Sections 5(e) or 5(f) of this Agreement (other than following a Change in Control), Executive agrees that he shall not, either directly or indirectly, take any of the following
actions, absent the written consent of the Company, for a period of one (1) year following such termination; provided, however, that the restrictions set forth in Section 8(c)(iii) below shall apply for a six (6) month period
following such termination during the Renewal Term: 
 (i) solicit, offer employment to, or take any other action intended (or that a
reasonable person acting in like circumstances would expect) to have the effect of causing any officer or employee of the Company or the Bank, or any of their respective subsidiaries or affiliates, to terminate his or her employment and accept
employment or become affiliated with, or provide services for compensation in any capacity whatsoever to, any business whatsoever; 
 (ii)
solicit, provide any information, advice or recommendation or take any other action intended (or that a reasonable person acting in like circumstances would expect) to have the effect of causing any customer of the Company or the Bank, or any
subsidiary or affiliate of the Company or the Bank to terminate an existing business or commercial relationship with the Company, the Bank or any subsidiary or affiliate of the Company or the Bank; or 

  
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 (iii) become an officer, employee, consultant, director, independent contractor, agent,
joint venturer, partner, shareholder or trustee of any savings bank, savings and loan association, savings and loan holding company, credit union, bank or bank holding company, insurance company or agency, any mortgage or loan broker, wealth
management or trust company, or any other entity that competes with the business of the Company or the Bank, or any of their direct or indirect subsidiaries or affiliates that has a headquarters or offices in any county in which the Company or the
Bank has an office or has filed an application for regulatory approval to establish an office (the “Restricted Territory”). Notwithstanding anything to the contrary herein, Executive shall not be prohibited from owning up to one percent of
the outstanding equity securities of a corporation that is publicly traded on a national securities exchange or in the over-the-counter market so long as Executive,
other than with respect to such ownership, shall not engage in any activity with such person that otherwise would violate this Section 8(c). 

(d) Remedy on Breach. The parties hereto agree that money damages would not be an adequate remedy for any breach of
Section 8, and any breach of the terms of this Section would result in irreparable injury and damage to the Company for which the Company would not have an adequate remedy at law. Therefore, in the event of a breach or a threatened breach of
this Section 8, the Company, in addition to any other rights and remedies existing in its favor at law or in equity, shall be entitled to specific performance or immediate injunctive or other equitable relief from a Court in order to enforce,
or prevent any violations of, the provisions of Section 8 (without posting a bond or other security), without having to prove damages. The terms of this Section 8 shall not prevent the Company from pursuing any other available remedies for
any breach or threatened breach of this Agreement. 
  

	9.	 SOURCE AND ALLOCATION OF PAYMENTS 

All monetary payments and non-monetary benefits provided in this Agreement shall be timely paid in cash
or check, or otherwise provided for, from the general funds of (a) the Company or (b) to the extent provided under an agreement between the Company and the Bank governing the allocation of expenses, the Bank, it being the intent of this
Agreement to provide for the aggregate compensation due to Executive for all services provided by him to the Bank and/or the Company. 
  

	10.	 EFFECT ON PRIOR AGREEMENTS AND EXISTING BENEFITS PLANS 

This Agreement contains the entire understanding between the parties hereto and supersedes any prior employment agreement between the Company
and/or the Bank or any predecessor of the Bank and/or the Company and Executive (including the Prior Agreement), provided, however, that this Agreement shall operate contemporaneously with and shall not supersede that Side-Letter Agreement and
Change in Control Agreement entered into between the Company and Executive dated as of the same date as this Agreement, or any successor to such Side-Letter Agreement and Change in Control Agreement. In addition, this Agreement shall not affect or
operate to reduce any benefit or compensation inuring to Executive of a kind elsewhere provided. No provision of this Agreement shall be interpreted to mean that Executive is subject to receiving fewer benefits than those available to him without
reference to this Agreement. 

  
 13 

	11.	 NO ATTACHMENT; BINDING ON SUCCESSORS 

(a) Except as required by law, no right to receive payments under this Agreement shall be subject to anticipation, commutation,
alienation, sale, assignment, encumbrance, charge, pledge, or hypothecation, or to execution, attachment, levy, or similar process or assignment by operation of law, and any attempt, voluntary or involuntary, to affect any such action shall be null,
void, and of no effect. 
 (b) This Agreement shall be binding upon, and inure to the benefit of, Executive and the Bank, the Company
and their respective successors and assigns. 
  

	12.	 MODIFICATION AND WAIVER 

(a) This Agreement may not be modified or amended except by an instrument in writing signed by the parties hereto; provided, however,
that this Agreement shall be subject to amendment in the future in such manner as the Company shall reasonably deem necessary or appropriate to effect compliance with Section 409A and the regulations thereunder and to avoid the imposition of
penalties and additional taxes under Section 409A, it being the express intent of the parties that any such amendment shall not diminish the economic benefit of the Agreement to Executive on a present value basis. 

(b) No term or condition of this Agreement shall be deemed to have been waived, nor shall there be any estoppel against the enforcement
of any provision of this Agreement, except by written instrument of the party charged with such waiver or estoppel. No such written waiver shall be deemed a continuing waiver unless specifically stated therein, and each such waiver shall operate
only as to the specific term or condition waived and shall not constitute a waiver of such term or condition for the future as to any act other than that specifically waived. 
  

	13.	 MISCELLANEOUS PROVISIONS 

(a) The Company’s Board may terminate Executive’s employment at any time, but any termination, other than Termination for
Cause, shall not prejudice Executive’s right to compensation or other benefits under this Agreement. Executive shall not have the right to receive compensation or other benefits for any period after Termination for Cause as defined in
Section 5(d) hereinabove. 
 (b) Any payments made to Executive pursuant to this Agreement, or otherwise, are subject to and
conditioned upon their compliance with 12 USC Section 1828(k) and any regulations promulgated thereunder. 
  

	14.	 SEVERABILITY 

If, for any reason, any provision of this Agreement, or any part of any provision, is held invalid, such invalidity shall not affect any other
provision of this Agreement or any part of such provision not held so invalid, and each such other provision and part thereof shall to the full extent consistent with law continue in full force and effect. 

  
 14 

	15.	 HEADINGS FOR REFERENCE ONLY 

The headings of sections and paragraphs herein are included solely for convenience of reference and shall not control the meaning or
interpretation of any of the provisions of this Agreement. 
  

	16.	 GOVERNING LAW 

This Agreement shall be governed by the laws of the State of Delaware but only to the extent not superseded by federal law. 

 

	17.	 ARBITRATION 

Any dispute or controversy arising under or in connection with this Agreement, other than a dispute or controversy arising under Section 8
hereof, shall be settled exclusively by arbitration, conducted before a panel of three arbitrators sitting in a location selected by the employee within twenty-five miles of the Company’s administrative headquarters, in accordance with the
rules of the American Arbitration Association then in effect. Judgment may be entered on the arbitrator’s award in any court having jurisdiction; provided, however, that Executive shall be entitled to seek specific performance of his right to
be paid until the Date of Termination during the pendency of any dispute or controversy arising under or in connection with this Agreement. 
  

	18.	 PAYMENT OF LEGAL FEES 

All reasonable legal fees paid or incurred by Executive pursuant to any dispute or question of interpretation relating to this Agreement shall
be paid or reimbursed by the Company or the Bank, provided that the dispute or interpretation has been settled by Executive and the Company and/or the Bank or resolved in Executive’s favor. Such payment or reimbursement shall be made no later
than the last day of the calendar year following the calendar year in which Executive incurs the expense or, if later, within sixty (60) days after the settlement or resolution that gives rise to Executive’s right to reimbursement;
provided, however, that Executive shall have submitted to the Company or the Bank documentation supporting such expenses at such time and in such manner as the Company or the Bank may reasonably require. 

 

	19.	 INDEMNIFICATION 

The Company shall provide Executive (including his heirs, executors and administrators) with coverage under a standard directors’ and
officers’ liability insurance policy at its expense, and shall indemnify Executive (and his heirs, executors and administrators) to the fullest extent permitted under Delaware law against all expenses and liabilities reasonably incurred by him
in connection with or arising out of any action, suit or proceeding in which he may be involved by reason of his having been a director or officer of the Bank or the Company (whether or not he continues to be a director or officer at the time of
incurring such expenses or liabilities), such expenses and liabilities to include, but not be limited to, judgments, court costs and attorneys’ fees and the cost of reasonable settlements (such settlements must be approved by the Board of the
Company, as appropriate), provided, however, neither the Bank nor Company shall be required to indemnify or reimburse Executive for legal expenses or liabilities incurred in connection with an action, suit or proceeding arising from any illegal or
fraudulent act committed by Executive. 

  
 15 

	20.	 NOTICE 

For the purposes of this Agreement, notices and all other communications provided for in this Agreement shall be in writing and shall be deemed
to have been duly given when delivered or mailed by certified or registered mail, return receipt requested, postage prepaid, addressed to the respective addresses set forth below: 

To the Company: 
 100 Wood Avenue South 

Iselin, New Jersey 08830 
 Attention: General Counsel 

To the Bank: 
 100 Wood Avenue South 

Iselin, New Jersey 08830 
 Attention: General Counsel 

To Executive: 
 Most Recent Address on File with the Company or
the Bank 
  

	21.	 INTERNAL REVENUE CODE SECTION 409A 

The Employers and Executive acknowledge that each of the payments and benefits to Executive under this Agreement must either comply with the
requirements of Section 409A and the regulations thereunder or qualify for an exception from compliance. To that end, the Employers and Executive agree that: 

(a) the expense reimbursements described in Section 4(f) and legal fee reimbursements described in Section 18 are intended to satisfy
the requirements for a “reimbursement plan” described in Treasury Regulation Section 1.409A-3(i)(l)(iv)(A) and shall be administered to satisfy such requirements; 

(b) the life, medical, dental and disability coverage described in Sections 5(c)(iii) and 5(f)(iii) are intended (A) if furnished in-kind, to be exempt from compliance with Section 409A as a welfare benefit plan described in Treasury Regulation Section 1.409A-l(b)(5) and (B) if furnished
by reimbursement, to satisfy the requirements for a “reimbursement or in-kind benefit plan” described in Treasury Regulation section 1.409A-3(i)(l)(iv)(A) and
shall be administered to satisfy such requirements; 
 (c) the payments following termination of employment based on “Disability”
described in Section 5(c) are intended to constitute “disability pay” within the meaning of Treasury Regulation Section 31.3121(v)(2)-l(b)(4)(iv)(C) that is exempt from Section 409A
pursuant to Treasury Regulation Section 1.409A-l(a)(5) and shall be administered to satisfy the requirements for “disability pay”; 

  
 16 

 (d) the liability insurance and indemnification provisions of Section 19 are intended
to qualify for exemption from the requirements of Section 409A as an “indemnification and liability insurance plan” described in Treasury Regulation Section 1.409A- l(b)(10) and shall be administered to qualify for such
exemption; 
 (e) the Standard Termination Entitlements payable upon termination of employment described in Section 5 are intended to be
exempt from Section 409A pursuant to Treasury Regulation Section 1.409A-l(b)(3) as payments made pursuant to the Employers’ customary payment timing arrangements; 

(f) the welfare benefits provided in kind under this Agreement are intended to be exempt from Section 409A as welfare benefits pursuant to
Treasury Regulation Section 1.409A-l(b)(5) and/or as benefits not includible in gross income. 

All other payments and benefits due to Executive under this Agreement on account his termination of employment that are not exempt from
Section 409A shall not be paid prior to, and shall, if necessary, be deferred to and paid on the later of the earliest date on which Executive experiences a separation from service (within the meaning of Treasury Regulation Section 1.409A-l(h)) and, if Executive is a specified employee (within the meaning of Treasury Regulation Section 1.409A-l(i)) on the date of his separation from
service, the first day of the seventh month following his separation from service. All such deferred amounts shall be deposited in a grantor trust which meets the requirements of Revenue Procedure 92-65 (as
amended or superseded from time to time), the trustee of which shall be a financial institution selected by the Employers with the approval of Executive (which approval shall not be unreasonably withheld or delayed), pursuant to a trust agreement,
the terms of which are approved by Executive (which approval shall not be unreasonably withheld or delayed) (the “Rabbi Trust”), and payments made shall include earnings on the investments made with the assets of the Rabbi Trust, which
investments shall consist of short-term investment grade fixed income securities or units of interest in mutual funds or other pooled investment vehicles designed to invest primarily in such securities. 

 

	22.	 EFFECTIVE DATE AND TERMINATION OF THE PRIOR AGREEMENT 

(a) Effective Date. Notwithstanding anything to the contrary contained herein, this Agreement shall be subject to the
consummation of the Merger, and shall become effective as of the Effective Time as defined in the Merger Agreement (which for purposes of this Agreement shall be referred to as the “Effective Date”). In the event the Merger Agreement is
terminated for any reason, or in the event Executive fails to become an employee of the Company and the Bank as of the Effective Date, this Agreement shall automatically terminate and become null and void. 

  
 17 

 (b) Termination of Prior Agreement. The Prior Agreement shall remain in full
force and effect until the Effective Date. On the Effective Date, Executive, the Company and the Bank hereby agree that the Prior Agreement shall be terminated without any further action of any of the parties hereto or thereto. Executive hereby
acknowledges and agrees that Executive has no contractual rights to any payments or benefits under the Prior Agreement as of the Effective Date and that any such payments or benefits shall be payable pursuant to a Settlement Agreement between
Executive, SBBX, SB One Bank, the Company and the Bank dated March 11, 2020. 
 [Signature Page Follows] 

  
 18 

 SIGNATURES 

IN WITNESS WHEREOF, the Company has caused this Agreement to be executed and its seal to be affixed hereunto by its duly authorized officers,
and Executive has signed this Agreement, on the day and date first above written. 
  

									
	ATTEST:	 		 	PROVIDENT FINANCIAL SERVICES, INC.
					
	 /s/ John Kuntz
	 		 		 	By:	 	 /s/ Christopher Martin

	Corporate Secretary	 		 		 		 	Name: Christopher Martin
		 		 		 		 	Title:   Chairman, President and Chief Executive Officer
			
	WITNESS:	 		 	EXECUTIVE
				
	 /s/ Vito Giannola
	 		 	By:	 	 /s/ Anthony J. Labozzetta

	Vito Giannola	 		 		 	Anthony J. Labozzetta

  
 19EX-10.3

 Exhibit 10.3 

[Provident Bank Letterhead] 
 Anthony J.
Labozzetta 
 [Address] 
 March 11, 2020 

Side-Letter Agreement with Anthony J. Labozzetta 

Dear Mr. Labozzetta: 
 Concurrently with the
issuance of this Side-Letter Agreement, Provident Financial Services, Inc., a Delaware corporation (“PFS”), and SB One Bancorp, a New Jersey Corporation (“SBBX”), have entered into an Agreement and Plan of Merger
dated March 11, 2020 (the “Merger Agreement”), pursuant to which SBBX will merge with and into PFS, with PFS being the surviving entity (the “Merger”). In addition, you have entered into following agreements:
(1) an employment agreement with PFS dated March 11, 2020 (the “Provident Employment Agreement”); (2) a change in control agreement with PFS dated March 11, 2020 (the “Provident Change in Control
Agreement”); (3) a settlement agreement with PFS, Provident Bank, a New Jersey-chartered savings bank and wholly-owned subsidiary of PFS (the “Bank” and together with PFS, “Provident”), SBBX and SB One
Bank, a New Jersey-chartered commercial bank and wholly-owned subsidiary of SBBX, dated March 11, 2020 (copies of which are attached hereto and incorporated herein by reference), all of which, unless otherwise provided therein, will become
effective as of the consummation of the Merger. 
 In addition to the agreements referenced above, the purpose of this Side-Letter Agreement
is to confirm the understanding between Provident and you with respect to the matters enumerated below. If the Merger Agreement or your employment with SBBX and SB One Bank terminates for any reason before the Effective Time (as defined in the
Merger Agreement) occurs, all the provisions of this Side-Letter Agreement will terminate and there will be no liability of any kind under this Side-Letter Agreement. 

1. Subject to and conditioned upon the approval of, and appointment by, the Board of Directors of Provident, you will become President and
Chief Executive Officer of Provident by no later than January 1, 2022. 
 2. If you are not appointed President and Chief Executive
Officer of Provident pursuant to paragraph (1) above or you have a qualifying termination event pursuant to Section 5(f) (Termination Without Cause or With Good Reason) during the Initial Term, your employment with Provident will cease
immediately following the expiration of the Initial Term (in the case of the failure to be appointed President and Chief Executive Officer of Provident) or as of the Date of Termination and, in lieu of any other payments or benefits under the
Provident Employment Agreement (including pursuant to Section 5(f) thereof), Provident will pay to you the following (collectively, the “Severance Benefits”): 

 

	 	(i)	 any Standard Termination Entitlements; 

	 	(ii)	 as severance pay or liquidated damages, or both, a cash lump sum payment equal to two (2) times the sum of
your: (A) annual rate of Base Salary; and (B) annual cash bonus paid to (or earned by) you with respect to the completed fiscal year prior to your date of termination; and 

 

	 	(iii)	 continued life, medical, dental and disability coverage substantially comparable, as reasonably or customarily
available, to the coverage maintained by Provident for you prior to the date of termination, except to the extent such coverage may be changed in its application to all Provident employees. Such coverage will cease at the end of 24 months following
your date of termination. To the extent that Provident determines, in good faith, it is not practical to provide in-kind coverage, Provident will pay directly to the insurance carrier the premium, or reimburse
you for direct out-of-pocket cost, for comparable coverage obtained by you. Each such reimbursement payment will be made promptly on submission of an itemized account of
your reimbursable expense in such form as Provident may reasonably require and in any event not later than the last day of the calendar year following the calendar year in which the expense was incurred. Each reimbursement payment will include an
additional amount calculated by Provident in its reasonable discretion to reflect the aggregate amount of federal, state, and local income and payroll taxes incurred by you with respect to the reimbursement payment. 

The Severance Benefits will be paid, or commence, within 14 days following your date of termination or, if later, the 7th day after you execute the Release. The Release must be executed and become irrevocable by the 60th day following your date of termination; provided that if the
60-day period spans two (2) calendar years, then, to the extent necessary to comply with Section 409A of the Internal Revenue Code, the payments under this paragraph will be paid, or commence, in the
second calendar year. The Severance Benefits (other than any Standard Termination Entitlements) are conditioned upon your execution of the Release. 

3. If you are appointed and become President and Chief Executive Officer of Provident as of January 1, 2022 or, if earlier, any event
described in Sections 5(a) (Death), 5(b) (Retirement), 5(c) (Disability), 5(d) (Termination for Cause), 5(e) (Voluntary Termination by Executive) or 6 (Change in Control) of the Provident Employment Agreement has occurred, this Side-Letter Agreement
will terminate immediately and become null and void and no Severance Benefits will be payable pursuant to paragraph 2 above. For avoidance of doubt, this paragraph (3) does not release Provident from any obligations it may have to pay you, or
provide you with, any severance benefits under the Provident Employment Agreement or the Provident Change in Control Agreement that are separate from this Side-Letter Agreement. 

4. In the event of your termination of employment pursuant to paragraph (2), you will be subject to the
non-competition and post-termination obligations set forth in the Provident Employment Agreement. 

5. Capitalized terms not defined herein have the meaning set forth in the Provident Employment Agreement. 

  
 2 

 6. This Side-Letter Agreement will be governed by the laws of the State of Delaware but only
to the extent not superseded by federal law. 
 7. It is intended that the payments and benefits provided under this Side-Letter Agreement
shall be exempt from the application of the requirements of Section 409A of the Internal Revenue Code and the regulations and other guidance issued thereunder (collectively, “Section 409A”). Specifically, any
taxable benefits or payments provided under this Side-Letter Agreement are intended to be separate payments that qualify for the “short term deferral” exception to Section 409A to the maximum extent possible, and to the extent they do
not so qualify, are intended to qualify for the separation pay exception to Section 409A, to the maximum extent possible. All other payments and benefits due to you under this Side-Letter Agreement on account your termination of employment that
are not exempt from Section 409A shall not be paid prior to, and shall, if necessary, be deferred to and paid on the later of the earliest date on which you experience a separation from service (within the meaning of Treasury Regulation Section 1.409A-l(h)) and, if you are a specified employee (within the meaning of Treasury Regulation Section 1.409A-l(i)) on the date of your separation from
service, the first day of the seventh month following your separation from service. All such deferred amounts shall be deposited in a grantor trust which meets the requirements of Revenue Procedure 92-65 (as
amended or superseded from time to time), the trustee of which shall be a financial institution selected by Provident with your approval (which approval shall not be unreasonably withheld or delayed), pursuant to a trust agreement, the terms of
which are approved by you (which approval shall not be unreasonably withheld or delayed) (the “Rabbi Trust”), and payments made shall include earnings on the investments made with the assets of the Rabbi Trust, which investments
shall consist of short-term investment grade fixed income securities or units of interest in mutual funds or other pooled investment vehicles designed to invest primarily in such securities. 

[Signature Page to Follow] 

  
 3 

 
			
	Sincerely,
	
	PROVIDENT FINANCIAL SERVICES, INC.
		
	By:	 	 /s/ Christopher Martin

	Name:	 	Christopher Martin
	Title:	 	Chairman, President and Chief Executive Officer
	
	PROVIDENT BANK
		
	By:	 	 /s/ Christopher Martin

	Name:	 	Christopher Martin
	Title:	 	Chairman, President and Chief Executive Officer

  

	
	Agreed and Accepted this March 11, 2020:
	
	 /s/ Anthony J. Labozzetta

	Anthony J. Labozzetta

  
 4

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