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:

Simple Checking

Your new Columbia Bank account will be:

• Free Check Safekeeping2

or eStatements7_.

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

Columbia Checking

Gold Checking, VIP Checking or Platinum Checking

and the primary account holder is

at least 60 years old as of 8/1/2013

• No monthly maintenance fee • Interest earnings are

calculated daily and paid / compounded 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:

- Point Of Sale (POS): No charge

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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 / compounded monthly

• $1,000 minimum daily balance to earn interest

(See enclosed rate sheet)

• ATM transaction charges: - Columbia Bank ATMs: No charge

- All Other ATMs: $2.00

Interest Checking

Gold Checking, VIP Checking or Platinum Checking

and the primary account holder is

not over the age of 60 as of 8/1/2013

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

required to waive monthly maintenance fee5

• 3 free debits per month; $1 charge for each debit after the first three if balance is less than $1,000 • Interest earnings are

calculated daily and paid / compounded monthly • No minimum daily balance

required to earn interest (see enclosed rate sheet)

• ATM transaction charges:

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

available upon request3

• Check Safekeeping2 _or

eStatements7 _required

Personal Money Market or

Preferred Personal Money Market

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• $3 monthly maintenance fee or waived with either a $300 daily minimum balance or a monthly automatic transfer of $25 or more from another Columbia Bank account5_{(No monthly maintenance}

fee for minors under 18 years old) • 3 free debits per month; $1 charge

for each debit after the first three if balance is less than $300

• Interest earnings are calculated daily and paid / compounded monthly

• No minimum daily balance required to earn interest (see enclosed rate sheet) • ATM transaction charges:

- Point Of Sale (POS): No charge • Combined monthly statements3

or eStatements7_{are available}

upon request

Statement Savings, Relationship Savings, High Yield

Fixed Savings or High Yield Variable Savings

Customary Savings

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• No monthly maintenance fee • ATM transaction charges:

• Free single Club Checks6

• No annual rental fee on a 3x5 or

5x5 safe deposit box, or a 10% discount on any larger box – based on availability

• $1.00 discount on cashier’s check purchases

• Waived annual fee on a Personal Reserve Account9

• 0.25% discount on current rates for automatic payment of auto, recreational vehicles, marine or other personal term loan from your Columbia Bank Account If you believe this account choice does not meet your needs, please contact your local branch to explore alternative account options.

Payroll Card Checking

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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. During any statement cycle you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a pre authorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. 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.

9. Subject to credit approval.