Personal Account Conversion Charts

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Personal Account

Conversion Charts

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• No monthly maintenance fee • ATM transaction charges:

- Columbia Bank ATMs: No charge - All Other ATMs: $2.00

- Point Of Sale (POS): No charge • Free Online Banking and Bill Pay8

If your current account is:

Free Checking and the primary account holder

is not over the age of 60 as of 2/28/2012

Your new Columbia Bank account will be:

• Free Check Safekeeping2_or

eStatements7_{. If you currently receive}

images of your checks, you will continue to receive them with your new Columbia Free Checking account.

If you believe this account choice does not meet your needs, please contact your local branch to explore alternative account options.

Columbia Free Personal Checking

Free Checking and the primary account holder

is at least 60 years old as of 2/28/2012

• No monthly maintenance fee • Interest earnings are calculated daily

and paid monthly

• No minimum daily balance required to earn interest (See enclosed rate sheet)

• Free Check Imaging1_{, Check}

Safekeeping2 _{or eStatements}7

• Free single Club Checks6

• 10% off Safe Deposit Box rental • Free Online Banking and Bill Pay8

• ATM transaction charges: - Columbia Bank ATMs: No charge - All Other ATMs: $2.00

- Point Of Sale (POS): No charge If you believe this account choice does not meet your needs, please contact your local branch to explore alternative account options.

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• $8 monthly maintenance fee

• $1,000 minimum daily balance required to waive monthly maintenance fee5

• Interest earnings are calculated daily and paid monthly

• $1,000 minimum daily balance to earn interest (See enclosed rate sheet)

- Point Of Sale (POS): No charge • Free Online Banking and Bill Pay8

Columbia Interest Checking

NOW Checking and the primary account holder

is not over the age of 60 as of 2/28/2012

• No monthly maintenance fee • Interest earnings are calculated daily

and paid monthly

• No minimum daily balance required to earn interest (See enclosed rate sheet)

• Free single Club Checks6

• 10% off Safe Deposit Box rental • Free Online Banking and Bill Pay8

- Point Of Sale (POS): No charge If you believe this account choice does not meet your needs, please contact your local branch to explore alternative account options.

NOW Checking and the primary account holder

is at least 60 years old as of 2/28/2012

Columbia 60+ Checking

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• $10 monthly maintenance fee • $1,000 minimum daily balance

required to waive monthly maintenance fee5

• 3 free debits/checks per month; $1 charge for each debit/check after the first three. Up to 6 item charges are waived per month with a balance of $1,000 or greater

• No minimum daily balance required to earn interest (see enclosed rate sheet)

- Point Of Sale (POS): No charge • Combined monthly statements are

available upon request3

• Free Check Safekeeping2 _or

eStatements7 _required

Money Market Checking (MMRC), Peak MMRC,

Tiered Savings or Special MMRC

Columbia Money Trend

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• $3 monthly maintenance fee (No monthly maintenance fee for minors under 18 years old)

• $300 minimum daily balance required to waive monthly maintenance fee or one monthly automatic deposit of $25 or more5

• 3 free debit/check per month; $1 charge for each debit/check after the first three. Up to 6 item charges are waived per month with a balance of $300 or greater

• No minimum daily balance required to earn interest (see enclosed rate sheet)

- Point Of Sale (POS): No charge • Combined monthly statements3_or

eStatements7_{are available upon request}

If you believe this account choice does not meet your needs, please contact your local If your current account is:

Personal Savings, Child/Grandchild Savings

or Holiday Savings

Columbia Customary Savings

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Personal Account Disclosures

1. Check Imaging – The ideal system for organizing cancelled checks. Check images are printed in check number order and sent with your monthly statement. Image copies of cancelled checks are widely accepted as proof of payment.

2. Check Safekeeping – Eliminates the need to store cancelled checks. Every month, you will receive a detailed statement showing transaction dates, check numbers and amounts along with all other activity. You may also view images of your checks through Online Banking. Check images are kept for seven years and may be requested at any time.

3. Combined Statements – Combine your Columbia Bank accounts on a single monthly statement. The combined statement may include your checking, savings and certificate of deposit accounts. 4. The number of transfers and withdrawals is limited for savings and money market accounts. A $5

charge per withdrawal will be assessed after the sixth withdrawal per statement cycle. If you continue to exceed the number of transfers or withdrawals, your account may be closed or the account type may be changed.

5. If the balance requirement to avoid the monthly maintenance fee is based on a minimum, you must maintain that minimum balance each day to avoid the disclosed maintenance fee.

6. Up to two boxes of single Club checks per calendar year.

7. eStatements requires enrollment in Online Banking.

8 Please refer to our Online Terms and Conditions for information regarding Online Banking and Bill Pay.

Please refer to the Services and Fees Schedule on page 39 for additional fees that may be assessed against your account.