X0306 4 2019-09-13 0001723596 Columbia Financial, Inc. CLBK 0001729849 Kelly Geri M. 19-01 ROUTE 208 NORTH FAIR LAWN NJ 07410 1 EVP & HRO Common Stock 2019-09-13 4 A 0 69.7969 15.7600 A 3326.3020 I By Stock-Based Deferral Plan Common Stock 27979.0000 D Common Stock 25050.0000 I By 401(k) Common Stock 936.0000 I By ESOP Common Stock 748.0000 I By SERP Common Stock 577.3260 I By SIM Common Stock 61538.0000 I By Stock Award Stock Options (right to buy) 15.6000 2020-07-23 2029-07-23 Common Stock 150588.0000 150588.0000 D Represents phantom stock purchased, on a non-discretionary basis, by the trustee of the Bank's rabbi trust maintained in connection with the Columbia Bank Stock Based Deferral Plan, a non-qualified stock-based deferral plan. Stock unit interests under the Columbia Bank Stock Based Deferral Plan will be settled in shares of stock upon distribution to the reporting person. Stock Awards granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan, 50% of which vest in five approximately equal annual installments commencing on July 23, 2020; and the remaining 50% of which vest upon achievement of certain specified performance-based vesting criteria, which if achieved, such Awards would vest three years after the date of the Award. Stock Options granted pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan vest in five equal annual installments commencing on July 23, 2020. /s/ Christina M. Gattuso, Power of Attorney 2019-09-16