PCSB Financial Corporation is a bank holding company for PCSB Bank (the Bank). The Bank is a commercial bank, which serves the banking needs through approximately 14 banking offices located in Dutchess, Putnam, Rockland and Westchester Counties, New York. Its primary business activity is attracting deposits from the general public and using those funds primarily to originate and purchase commercial real estate loans, business loans and one-to-four-family real estate loans and purchase investment securities. The Bank’s commercial loan products are primarily commercial real estate loans, including multi-family and construction, and commercial business loans. Its commercial deposit products include commercial checking and savings accounts, on-line cash management, remote deposit capture and ACH origination. Its consumer loan products are primarily residential loans, home equity lines of credit and other consumer-type loans. Its consumer deposit products include checking and other.