CLBK Columbia Financial Inc

Your Vote Counts! COLUMBIA FINANCIAL, INC. C/O BROADRIDGE CORPORATE ISSUER SOLUTIONS P.O. BOX 1342 BRENTWOOD, NY 11717 COLUMBIA FINANCIAL, INC. You invested in COLUMBIA FINANCIAL, INC. and it’s time to vote! You have the right to vote on proposals being presented at the Annual Meeting. This is an important notice regarding the availability of proxy material for the shareholder meeting to be held on June 7, 2023. Vote Virtually at the Meeting* June 7, 2023 10:00 AM Local Time Virtually at: www.virtualshareholdermeeting.com/CLBK2023 *Please check the meeting materials for any special requirements for meeting attendance. Smartphone users Point your camera here and vote without entering a control number V1.1 For complete information and to vote, visit www.ProxyVote.com Control # V11584-P87562 Get informed before you vote View the Notice and Proxy Statement and Annual Report online OR you can receive a free paper or email copy of the material(s) by requesting prior to May 24, 2023. If you would like to request a copy of the material(s) for this and/or future shareholder meetings, you may (1) visit www.ProxyVote.com, (2) call 1-800-579-1639 or (3) send an email to sendmaterial@proxyvote.com. If sending an email, please include your control number (indicated below) in the subject line. Unless requested, you will not otherwise receive a paper or email copy. 2023 Annual Meeting Vote by June 6, 2023 11:59 PM ET. For shares held in a Plan, vote by June 1, 2023 11:59 PM ET.

THIS IS NOT A VOTABLE BALLOT This is an overview of the proposals being presented at the upcoming shareholder meeting. Please follow the instructions on the reverse side to vote these important matters. Vote at www.ProxyVote.com Prefer to receive an email instead? While voting on www.ProxyVote.com, be sure to click “Delivery Settings”. Voting Items Board Recommends V11585-P87562 01) Michael Massood, Jr. 02) Elizabeth E. Randall 03) Daria S. Torres 1. Election of Directors (Three-Year Terms) Nominees: 2. To ratify the appointment of KPMG LLP as our independent registered public accounting firm for fiscal year 2023. 3. To approve, on an advisory (non-binding) basis, the compensation of the Company’s named executive officers. NOTE: To transact such other business as may properly come before the meeting and any adjournment or postponement of the meeting. For For For