Personal Account Conversion Charts

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1 Personal Account Conversion Charts 33

2 Simple Checking Columbia Checking Free Check Safekeeping 2 or estatements 7. Gold Checking, VIP Checking or Platinum Checking and the primary account holder is at least 60 years old as of 8/1/ Checking required to earn interest (See enclosed rate sheet) Free single Club Checks 6 10% off Safe Deposit Box rental 34

3 Gold Checking, VIP Checking or Platinum Checking and the primary account holder is not over the age of 60 as of 8/1/2013 Interest Checking $8 monthly maintenance fee required to waive monthly maintenance fee 5 to earn interest (See enclosed rate sheet) - Columbia Bank ATMs: No charge Personal Money Market or Preferred Personal Money Market $10 monthly maintenance fee required to waive monthly maintenance fee 5 3 free debits per month; $1 charge for each debit after the first three if balance is less than $1,000 Money Trend 4 required to earn interest (see enclosed rate sheet) Combined monthly statements are available upon request 3 Check Safekeeping 2 or estatements 7 required 35

4 Statement Savings, Relationship Savings, High Yield Fixed Savings or High Yield Variable Savings Customary Savings 4 $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 account 5 (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 calculated daily and paid / required to earn interest (see enclosed rate sheet) Combined monthly statements 3 or estatements 7 are available upon request Payroll Card Checking Company Club Free single Club Checks 6 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 Account % discount on current rates for automatic payment of auto, recreational vehicles, marine or other personal term loan from your Columbia Bank Account 36

5 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. Please refer to the Services and Fees Schedule enclosed with this mailing for additional fees that may be assessed against your account. 37

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