Columbia Financial Inc. Watch

from 8-K 66 pages Up to 49,832,345 Shares Columbia Financial, Inc. (A Delaware Corporation) Common Stock (Par Value $0.01 Per Share) Agency Agreement February 8, 2018

from S-1/A 33 pages Up to 52,763,659 Shares Columbia Financial, Inc. (A Delaware Corporation) Common Stock (Par Value $0.01 Per Share) Agency Agreement , 2018

from S-1 10 pages Under the Terms of the Plan and Applicable Regulations, the Shares Will Be Offered First to Eligible Members of the Mhc and the Company’s Tax-Qualified Employee Stock Benefit Plans in a Subscription Offering And, if Necessary and Subject to the Prior Rights of Eligible Members, to the Public in a Direct Community Offering (Collectively, the “Subscription and Community Offering”), With a Preference Given in Any Community Offering to Residents of the Bank’s Local Community. Any Shares Not Subscribed for in the Subscription and Community Offering Will Be Offered to the General Public in a Syndicated Offering on a Best Efforts or an Underwritten Basis (The “Syndicated Offering” And, Together With the Subscription and Community Offering, the “Offering”). Sandler O’neill & Partners, L.P. (“Sandler O’neill”) Is Pleased to Assist the Company With the Offering and This Letter Is to Confirm the Terms and Conditions of Our Engagement. Marketing Agent Services in Connection With Our Engagement, We Anticipate That Our Services Will Include the Following