THIRD AMENDMENT TO Supplemental Executive Retirement Plan

▇▇▇▇▇ Columbia Financial Corporation 8-K

Exhibit 10.3

THIRD AMENDMENT TO

Supplemental Executive Retirement Plan

THIS THIRD AMENDMENT (the “Amendment”) is made and entered into as of the 13th day of February, 2024, by and between Journey Bank (successor by merger to The ▇▇▇▇▇ Bank and Trust Company) (the “Company”), and ▇▇▇▇▇▇ ▇▇▇▇▇ (the “Executive”).

The Company and the Executive entered into a Supplemental Executive Retirement Plan dated May 17, 2016, as amended by that certain First Amendment dated July 28, 2016 and that certain Second Amendment dated May 21, 2019 (together, the "Agreement"), which provides deferred compensation benefits to the Executive under the circumstances described therein. The Company and the Executive now wish to further amend the Agreement by the execution and delivery of this Third Amendment.

Now, therefore, the Employer and the Executive agree as follows and adopt the following amendments to the Agreement:

Section 1.16 of the Agreement shall be deleted in its entirety and replaced by the following:

1.16       “Normal Retirement Age” means the date the Executive attains age sixty-three (63).

The Schedule A attached to the above-referenced Second Amendment to the Agreement shall be replaced with the attached Schedule A.

IN WITNESS WHEREOF, the Executive and a duly authorized representative of the Company have executed this Third Amendment.

Executive:		Company:
/s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇		By:	/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇
▇▇▇▇▇▇ ▇▇▇▇▇			▇▇▇▇▇ ▇. ▇▇▇▇▇, President and Chief Executive Officer

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