Columbia Financial, Inc.

Columbia Financial, Inc. is a Delaware corporation that serves the financial needs of depositors and the local community through its wholly-owned subsidiary, Columbia Bank, a federal savings bank founded in 1927. Columbia Bank operates as a "covered savings association," which grants it the same rights and privileges as a national bank. This structure eliminates the requirement to meet the qualified thrift lender test and removes limits on the aggregate amount of commercial loans applicable to savings associations. Columbia Financial offers traditional financial services to businesses and consumers in its market areas. It attracts deposits from the general public and uses these funds to originate a variety of loans. These include 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. The company also provides title insurance through its wholly-owned subsidiary, First Jersey Title Services, Inc. Additionally, Columbia Insurance Services, Inc., another wholly-owned subsidiary of Columbia Bank, operates as a full-service insurance agency. This agency offers a broad range of insurance products, including personal and business lines of insurance, to customers, primarily New Jersey residents.