0001144204-19-035460 Sample Contracts

FORM OF

Performance-Based Restricted Stock Award Agreement • July 23rd, 2019 • Columbia Financial, Inc. • Savings institution, federally chartered • Delaware

• Contract Type
  Performance-Based Restricted Stock Award Agreement
• Filed
  July 23rd, 2019
• Company
  Columbia Financial, Inc.
• Industry
  Savings institution, federally chartered
• Jurisdiction
  Delaware

We are pleased to advise you that the Compensation Committee (the “Committee”) of the Board of Directors of Columbia Financial, Inc. (the “Company”) has granted you a restricted stock award (the “Award”) pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan (the “Plan”) on [DATE] (the “Grant Date”). Capitalized terms used but not defined in this 2019 Performance-Based Restricted Stock Award Agreement (the “Agreement”) have the meanings given to them in the Plan. This award is subject to federal and local law and the requirements of the NASDAQ Stock Market LLC.

FORM OF

Restricted Stock Award Agreement • July 23rd, 2019 • Columbia Financial, Inc. • Savings institution, federally chartered • Delaware

• Contract Type
  Restricted Stock Award Agreement
• Filed
  July 23rd, 2019
• Company
  Columbia Financial, Inc.
• Industry
  Savings institution, federally chartered
• Jurisdiction
  Delaware

We are pleased to advise you that the Compensation Committee (the “Committee”) of the Board of Directors of Columbia Financial, Inc. (the “Company”) has granted you a restricted stock award (the “Award”) pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan (the “Plan”) on [DATE] (the “Grant Date”). Capitalized terms used but not defined in this 2019 Time-Based Restricted Stock Award Agreement (the “Agreement”) have the meanings given to them in the Plan. This award is subject to federal and local law and the requirements of the NASDAQ Stock Market LLC.

FORM OF

Non-Qualified Stock Option Award Agreement • July 23rd, 2019 • Columbia Financial, Inc. • Savings institution, federally chartered • Delaware

• Contract Type
  Non-Qualified Stock Option Award Agreement
• Filed
  July 23rd, 2019
• Company
  Columbia Financial, Inc.
• Industry
  Savings institution, federally chartered
• Jurisdiction
  Delaware

We are pleased to advise you that the Compensation Committee (the “Committee”) of the Board of Directors of Columbia Financial, Inc. (the “Company”) has granted you a non-qualified stock option award pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan (the “Plan”) on [DATE] (the “Grant Date”). Capitalized terms used but not defined in this 2019 Non-Qualified Stock Option Award Agreement (the “Agreement”) have the meanings given to them in the Plan. This award is subject to federal and local law and the requirements of the NASDAQ Stock Market LLC.

FORM OF

Restricted Stock Unit Award Agreement • July 23rd, 2019 • Columbia Financial, Inc. • Savings institution, federally chartered • Delaware

• Contract Type
  Restricted Stock Unit Award Agreement
• Filed
  July 23rd, 2019
• Company
  Columbia Financial, Inc.
• Industry
  Savings institution, federally chartered
• Jurisdiction
  Delaware

We are pleased to advise you that the Compensation Committee (the “Committee”) of the Board of Directors of Columbia Financial, Inc. (the “Company”) has granted you a restricted stock unit award pursuant to the Columbia Financial, Inc. 2019 Equity Incentive Plan (the “Plan”) on [DATE] (the “Grant Date”). Capitalized terms used but not defined in this 2019 Restricted Stock Unit Award Agreement (the “Agreement”) have the meanings given to them in the Plan. This award is subject to federal and local law and the requirements of the NASDAQ Stock Market LLC.