Columbia Financial, Inc.

Columbia Financial, Inc. is the holding company of Columbia Bank and Freehold Bank, each of which is a federally chartered stock savings bank. Through Columbia Bank and Freehold Bank, the Company serves the financial needs of its depositors and the local community as community-minded, customer service-focused institutions. It offers traditional financial services to businesses and consumers in its market areas. It attracts deposits from the general public and uses those funds to originate a variety of loans, including multifamily and commercial real estate loans, commercial business loans, one-to-four family real estate loans, construction loans, home equity loans and advances, and other consumer loans. It offers title insurance through its wholly owned subsidiary, First Jersey Title Services, Inc. In addition, RSI Insurance Agency, Inc., a wholly owned subsidiary of Columbia Bank, is a full-service insurance agency that offers a range of insurance products and investment solutions.