PRODUCT GUIDE. Welcome IMPORTANT ACCOUNT INFORMATION FOR PIERCE COMMERCIAL BANK CUSTOMERS

PRODUCT GUIDE Welcome IMPORTANT ACCOUNT INFORMATION FOR PIERCE COMMERCIAL BANK CUSTOMERS

Heritage Bank Main Office 201 5th Avenue SW Olympia, WA 98501 Welcome to Heritage Bank Pierce Commercial Bank is now part of Heritage Bank. Our goal is to provide you with greater convenience and access to more products and services. As we unite, your Pierce Commercial Bank accounts will become Heritage Bank accounts. This conversion will take place automatically. Your account(s) will be converted to the Heritage Bank account(s) which most closely match your Pierce Commercial Bank account(s). If you would prefer a different account, please let us know so we can meet your specific needs. This product guide will help you become familiar with Heritage Bank accounts and services. It provides details about your accounts, how to access them and what new services are available. The enclosed Disclosure Statement replaces your Pierce Commercial Bank Disclosure Statement. We are pleased to welcome you to the Heritage Bank family and look forward to providing you with the highest level of personal service. Watch your mail for your next Pierce Commercial Bank account statement(s) You will receive a Pierce Commercial Bank special cut-off statement for each account as of March 11, 2011. Then, at the time of your normal statement cycle, you will receive your Heritage Bank statement.

Table of Contents Quick Information About Our Company...2 Your Accounts at a Glance...3 Answers to Commonly Asked Questions... 4, 5 Our Heritage...inside back cover Locations... back cover Specific Account Information Online Banking and Bill Pay...6 Checking...7 Personal Checking... 8, 9 Personal Savings...9 Individual Retirement Accounts (IRA)... 10 Business Checking... 11, 12 Business Savings... 13 Certificates of Deposit (CD)... 14, 15 Personal Product Offerings Personal Checking... 16, 17 Premier Relationship Checking... 18 All Access Package... 18 Personal Online Banking... 19 Personal VISA CheckCard and Save Up... 20 Overdraft Plus... 21 Personal Loans... 22 Home Loans... 22 Telephone Banking... 23 Business Product Offerings Business Checking... 24, 25 Cash Management Services... 26 Business Lending... 27 Team Account Package... 28 Additional Services Trust Services... 29 Investment products are not obligations of, guaranteed by any bank including Heritage Bank or any Heritage Bank affiliate, nor are they insured by the Federal Deposit Insurance Corporation, the Federal Reserve, or any other agency. An investment in such products involves investment risk, including possible loss of principal. International Services... 29 Heritage Investment Services... 29 Securities, Advisory Services and Insurance products offered through LPL Financial and its affiliates member FINRA/SIPC. Not FDIC Insured. No Bank Guarantee. May Lose Value. Not a Deposit. Not Insured by any Federal Government Agency. Appointments available at all Heritage Bank locations. Heritage Bank is not a registered broker/dealer nor is it affiliated with LPL Financial. Health Savings Account... 30 Request Form Change of Account and More Information... 31, 32 www.heritagebankwa.com 1

About Our Company Strength in Community Banking On behalf of Heritage Bank, we welcome you to our banking family. As a Heritage Bank customer, you ll benefit from more than 83 years of experience in the financial services industry, our commitment to exceptional service and our reputation of strength and stability. We re excited about serving our new communities and building a rewarding, long-term relationship with you. Brian L. Vance, President and CEO Your Partners for Success, since 1927 Heritage Bank has been creating financial solutions for the needs of our neighbors since 1927. We are known as the quality bank because our staff works together as a team, focused on building lasting relationships to help customers reach their financial goals. We are dedicated to exceeding customers expectations. At Heritage Bank, you ll receive the personal attention you deserve. Your Success is Our Vision. Heritage Bank, a subsidiary of Heritage Financial Corporation, serves the Pacific Northwest with 25 branches from Wilsonville, Oregon to Seattle, Washington. With the acquisition of Pierce Commercial Bank, we now have 26 locations. Heritage Bank supports the economic development of our area by reinvesting deposits locally. We have worked effectively for more than 83 years to build a company with strong liquidity, capital and credit quality. We are a true community bank, seeking deposits from our communities and making loans to customers who have local ties to our markets. As a full-service community bank, we offer a complete array of business and personal banking tools: checking; savings; commercial, home and construction loans; merchant services; remote deposit and online financial management tools through our website www.heritagebankwa.com. All products and services are designed with our customers and their financial goals in mind. We also focus on the importance of giving back to the communities we serve. With a combination of contributions and staff volunteer efforts, the Bank supports philanthropic activities that strengthen the core of our communities. Our Vision Our Mission We are an Innovative Team providing We are Committed to Continuously Improving: Financial Services Customer Satisfaction where Your Employee Empowerment Success is Our Vision Shareholder Value Customer Satisfaction Statement Building Successful Relationships by Exceeding Your Expectations www.heritagebankwa.com 2

Your Accounts at a Glance Personal Checking & Savings If this is your Pierce Commercial Bank Account Name: Your Heritage Bank Account Name will be: Page: Personal Checking Heritage Free Checking 8 Personal Interest Checking Heritage Interest Checking 8 Tier Rate Interest Checking Heritage Interest Checking 8 Senior Interest Checking Heritage Senior Checking 9 Personal Savings Statement Savings 9 Personal Money Market Money Market Advantage 9 IRA CDs IRA CDs 10 Business Checking & Savings If this is your Pierce Commercial Bank Account Name: Your Heritage Bank Account Name will be: Page: Business Checking Analysis Business Analysis Checking 11 Business Interest Checking Business Interest Checking 11 Small Business Checking Free Business Checking 12 Non-Profit Interest Checking Non-Profit Interest Checking 12 Attorney Client Trust IOLTA Checking 12 Business Savings Business Incentive Savings 13 Business Money Market Business Money Market 13 Pierce Investment Sweep MMA Sweep Account 13 MMDA Public Funds Public NOW 13 Certificates of Deposit (CDs) If this is your Pierce Commercial Bank Account Name: Your Heritage Bank Account Name will be: Page: Personal and Business CDs Flex-Term CD 15 Personal and Business CDs Fixed Rate CD 15 Personal or Business 12 Month Bump CD 12 Month CD 15 Personal or Business 24 Month Bump CD 24 Month CD 15 www.heritagebankwa.com 3

Answers to Commonly Asked Questions Question: What does account conversion mean to me? When will the conversion to Heritage Bank accounts and services occur? Will my deposit account number(s) stay the same? Do I need to order new checks? Answer: Account conversion is when your Pierce Commercial Bank accounts are transferred or converted to Heritage Bank accounts and will be governed by the enclosed Disclosure Statement. The conversion takes place automatically and requires no action on your part. The conversion is scheduled for the weekend of March 12-13, 2011. However, the changes to your account(s) will not be noticeable until Monday, March 14, 2011. Yes. Your checking, savings and/or certificate of deposit account number(s) will stay the same. No. You do not need to order new checks. Your current checks will continue to work after conversion to Heritage Bank. Please continue to use your current supply of checks as well as deposit and withdrawal slips. Will my deposits continue to be insured by the FDIC? Yes. The FDIC insures Heritage Bank accounts up to $250,000 per account ownership. What if I see another account I would prefer over the account automatically selected for me? Will my direct deposits, automatic payments, savings-linked overdraft protection and other automatic services continue? If you prefer another type of account than the one automatically selected for you, please send in the request form on page 31 or contact us at (800) 455-6126. We will be happy to help you find the right account to meet your needs. Yes. These services will continue without interruption. When will I receive my account statements? Special cut-off statements will be produced as of March 11, 2011 for all accounts. After conversion, your regular statement cycle will resume. Will I receive a new debit card? What are the daily limits on my Heritage Bank debit card? Which branch may I use? Yes. You will receive your new Heritage Bank VISA debit card in the mail the first week of March. Your new Personal Identification Number (PIN) will arrive approximately 4 days following your card. As an option, you are able to select your own PIN number at the branch. You may begin using your new card on March 14, 2011. Heritage Bank has a cash withdrawal limit of $300 per day. Point of Sale transactions are limited to $1,500 per day. VISA debit card limits are subject to available account balances. Please continue to conduct your banking at your current office. Starting March 14, 2011 you can bank at any of our 26 branches. For a list of our locations, please see the back cover. www.heritagebankwa.com 4

Answers to Commonly Asked Questions Question: Will my Online Banking and Bill Pay be converted? What will happen with my loan accounts? Will there be any change in my safe deposit box? Answer: Yes. Your ecorp, Online Banking and Bill Pay will be transferred to the Heritage Bank Online Banking system during conversion. Important details and action steps are included in the Online Banking section of this guide on page 6. In order to ensure uninterrupted online access, please carefully review the action steps prior to conversion. Your loan account numbers will change. The new loan account numbers will be printed on your Heritage Bank billing statement. Your Private Banking LOC will convert to a Personal LOC at Heritage Bank and your Private Banking Home Equity LOC will convert to a PrimeLine Select LOC at Heritage Bank. You will receive a separate letter detailing the features and changes to your loan. No. Your fee, billing cycle and method of payment will remain the same. www.heritagebankwa.com 5

Specific Account Information Online Banking and Bill Pay Your accounts currently with Pierce Commercial Bank s online banking service, ecorp, will automatically transfer to Heritage Bank s online banking service during conversion. If you currently use Bill Pay all of your established payees will remain available. You may see a minor change to the company name when they transfer over. Please Watch Your Mail! Important information regarding the Online Banking conversion and your Temporary Password. The letter will include specific instructions to maintain uninterrupted access and indicate the online banking system you will convert to: Personal Online Banking Heritage@Home Business Online Banking Business Cash Manager Online PO Box 9188 Tacoma, Washington 98409 PO Box 9188 Tacoma, Washington 98409 RETURN SERVICE REQUESTED RETURN SERVICE REQUESTED Important Information about Heritage@Home Important Information about BUSINESS CASH MANAGER ONLINE Important Dates affecting Online Banking Access The Online Banking system will not be accessible during conversion weekend. The system will be down for conversion beginning Friday, March 11, 2011. On Monday, March 14, 2011, you may begin accessing your accounts through the Heritage Bank Online Banking system at www.heritagebankwa.com. The last date to view and schedule payments from your existing Bill Pay account is until 2:30 pm PST on Tuesday, March 8, 2011. Your existing Bill Pay provider will process payments with a processing date up to and including March 8, 2011. Bill Pay will not be accessible from 2:30 pm PST on March 8 13, 2011. Any payments you previously scheduled to occur during this period will be processed as usual. Any pending or recurring bill payments need to be created on your new Bill Pay service with Heritage Bank on March 14, 2011. Online Banking Conversion Checklist o Watch your mail for your online banking conversion letter and temporary password this is required for uninterrupted access. o Download and save online history you want to keep. Online history prior to March 11, 2011 will not be available after conversion. o Print copies of checks you want to keep. Images of checks that have cleared prior to March 11, 2011 will not be available. You will receive a cut-off statement of all transactions through this date. o Change your bookmark for online banking to www.heritagebankwa.com prior to March 14, 2011 o Call our Customer Service Center at (800) 455-6126 if you have any questions regarding the online banking conversion. We are here to help make this a smooth transition for you. See page 19 for complete product details on Personal Online Banking Heritage@Home and page 26 for complete product details on Business Online Banking Business Cash Manager Online. www.heritagebankwa.com 6

Specific Account Information Checking You will find your Heritage Bank account to be very similar to the account you have today. Important Information About the Conversion of Your Account: For detailed information about your checking account at Heritage Bank, please see charts on pages 8, 9, 11 & 12 and the enclosed Disclosure Statement. Continue to use your current Pierce Commercial Bank checks. You should continue to use your current supply of Pierce Commercial Bank checks and deposit & withdrawal slips until they run out. There is no need to order new checks at this time. When you reorder, your new checks will carry the Heritage Bank logo, routing number and your current account number. When it s time to reorder your checks, mail your order form, order online at www.heritagebankwa.com or visit your local branch. You will receive a new debit card. If you now use a Mastercard debit card to access your Pierce Commercial Bank accounts, you will be mailed a new Heritage Bank VISA CheckCard as a replacement the first week of March. You will receive a new Personal Identification Number (PIN) approximately 4 days after your new card. Your new card will access your same accounts. You will not be able to use your existing Pierce Commercial Bank card after March 13, 2011. Please use your Heritage Bank card starting March 14, 2011. Direct Deposit of payroll and other income will continue without interruption. Automatic payments will continue to be withdrawn from your accounts as they were originally created. Current interest rates can be found in the enclosed Disclosure Statement or online at www.heritagebankwa.com. Check imaging provides you with an easy way to reconcile, research and store your canceled checks. If you currently receive the images of your canceled checks with your statement, you will receive the images of your canceled checks with your Heritage Bank statement. Customize Your Account Here is how to customize your checking account to meet your needs: We want you to have the checking account that s right for you. We will convert your account to the Heritage Bank checking account that most closely matches the features and benefits of your current account. If you prefer another Heritage Bank checking account, we make it easy for you to switch. To change your account or to request more information, simply use the request form on page 31 or contact us at (800) 455-6126. www.heritagebankwa.com 7

If this is your Pierce Commercial Bank Account: Personal Checking Your Heritage Bank Account will be: Heritage Free Checking If this is your Pierce Commercial Bank Account: Personal Interest Checking Tier Rate Interest Checking Your Heritage Bank Account will be: Heritage Interest Checking Specific Account Information Personal Checking Important Features of your Heritage Bank Account: No minimum balance required No monthly fee Free Online Banking, Bill Pay and FinanceWorks Free Online Statements with Check Images VISA CheckCard with ATM access Unlimited check writing Monthly statement ATM Transaction charges: no fee at Heritage Bank ATMs, all others $1.50 Important Features of your Heritage Bank Account $300 minimum balance required to avoid monthly fee $6 monthly fee if the balance falls below minimum Interest earned on balances of $300 or more Interest compounded daily and paid monthly Free Online Banking, Bill Pay and FinanceWorks Free Online Statements with Check Images VISA CheckCard with ATM access Unlimited check writing Monthly statement ATM Transaction charges: no fee at Heritage Bank ATMs, all others $1.50 www.heritagebankwa.com 8

Specific Account Information Personal Checking If this is your Pierce Commercial Bank Account: Important Features of your Heritage Bank Account: Senior Interest Checking No minimum balance required No monthly fee Interest earned on balances of $500 or more Interest compounded daily and paid monthly Free Checks Free Online Banking, Bill Pay and FinanceWorks Your Heritage Bank Account will be: Free Online Statements with Check Images Heritage Senior Checking VISA CheckCard with ATM access Unlimited check writing Monthly statement No ATM Transaction charges Free Bank Checks Personal Savings If this is your Pierce Commercial Bank Account: Important Features of your Heritage Bank Account: Personal Savings $300 minimum balance required to avoid monthly fee* $2 monthly fee if the balance falls below minimum* Interest earned on all balances Your Heritage Bank Account will be: Interest compounded daily and paid quarterly Statement Savings ATM card available Quarterly statement *No fee or minimum balance if account holder is under 19 If this is your Pierce Commercial Bank Account: Important Features of your Heritage Bank Account: Personal Money Market $1,000 minimum balance required to avoid monthly fee $10 monthly fee if the balance falls below minimum Interest earned on all balances at increasing tiered rates Your Heritage Bank Account will be: Interest compounded daily and paid monthly Money Market Advantage Write up to 6 checks per statement cycle Unlimited in-branch and ATM withdrawals Monthly statement www.heritagebankwa.com 9

If this is your Pierce Commercial Bank Account: IRA CD Your Heritage Bank Account will be: IRA CD Specific Account Information Individual Retirement Accounts Important Features of your Heritage Bank Account: $100 minimum balance Interest compounded daily and paid quarterly Additions allowed in increments of $25 or more Annual statement Your CD will renew to the same term at the fixed interest rate in effect on the maturity date If you currently have FDIC insured time deposits in your retirement plan, your accounts will continue to have the same interest rate and term through maturity. At maturity, your IRA CD will automatically renew as a Heritage Bank IRA CD to the most similar term available and at the fixed interest rate in effect on that maturity date. If you wish, you will also have the opportunity at renewal to select a different type of IRA CD or investment for your funds. The grace period will be ten calendar days. Heritage Bank terms and conditions will apply. After your CD renews, it will be governed by the enclosed Disclosure Statement of Heritage Bank, which will replace your account agreement with Pierce Commercial Bank. Terms more than one year will have an early withdrawal penalty of 180 days simple interest. If your IRA is now in distribution, your distribution payments will retain the same schedule you have now. www.heritagebankwa.com 10

Specific Account Information Business Checking If this is your Pierce Commercial Bank Account: Important Features of your Heritage Bank Account: Business Checking Analysis No minimum balance required Monthly fee of $9 $0.12 per check paid $0.20 per deposit $0.06 per deposited item Your Heritage Bank Account will be: $0.05 per rolled coin purchase Business Analysis Checking $0.05 per $100 currency purchase Earnings credit based on average collected balance Uncollected funds usage rate: Prime plus 3%, adjusted monthly Monthly statement with check images Online banking with Business Cash Manager Online available If this is your Pierce Commercial Bank Account: Important Features of your Heritage Bank Account: Business Interest Checking No minimum balance required Monthly fee of $8 Interest earned on balances of $2,500 or more Interest compounded daily and paid monthly $0.12 per check paid Your Heritage Bank Account will be: $0.20 per deposit Business Interest Checking $0.06 per deposited item $0.05 per rolled coin purchase $0.05 per $100 currency purchase Monthly statement with check images Online banking with Business Cash Manager Online available www.heritagebankwa.com 11

If this is your Pierce Commercial Bank Account: Small Business Checking Your Heritage Bank Account will be: Free Business Checking If this is your Pierce Commercial Bank Account: Non-Profit Interest Checking Specific Account Information Business Checking Important Features of your Heritage Bank Account: No minimum balance required No monthly fee Checks paid: First 100 free, $.25 each after 100 Deposit fee: First 20 free, $.15 each after 20 Deposited item fee: First 100 items free, $.15 each after 100 $0.05 per rolled coin purchase $0.05 per $100 currency purchase Monthly statement with check images Online banking with Business Cash Manager Online available ($6; Free with $10,000 average balance) Important Features of your Heritage Bank Account: No minimum balance required No monthly fee Interest earned on all balances Interest compounded daily and paid monthly Interest earned on all balances at increasing tiered rates Your Heritage Bank Account will be: Checks paid: First 100 free, $.25 each after 100 Non-Profit Interest Checking Deposit fee: First 20 free, $.15 each after 20 Deposited item fee: First 100 items free, $.15 each after 100 $0.05 per rolled coin purchase $0.05 per $100 currency purchase Monthly statement with check images Free Online banking with Business Cash Manager Online If this is your Pierce Commercial Bank Account: Attorney Client Trust Your Heritage Bank Account will be: IOLTA Checking Important Features of your Heritage Bank Account: No minimum balance required No monthly fee Interest earned on all balances Interest compounded daily and paid monthly Monthly statement with check images Online banking with Business Cash Manager Online available www.heritagebankwa.com 12

Specific Account Information Business Savings If this is your Pierce Commercial Bank Account: Important Features of your Heritage Bank Account: Business Savings $500 minimum balance required to avoid monthly fee $5 monthly fee if the balance falls below minimum Your Heritage Bank Account will be: Interest earned on all balances at increasing tiered rates Business Incentive Savings Interest compounded daily and paid monthly Monthly statement If this is your Pierce Commercial Bank Account: Important Features of your Heritage Bank Account: Business Money Market $1,000 minimum balance required to avoid monthly fee $5 monthly fee if the balance falls below minimum Interest earned on all balances at increasing tiered rates Your Heritage Bank Account will be: Interest compounded daily and paid monthly Business Money Market Write up to 6 checks per statement cycle Unlimited in-branch and ATM withdrawals Monthly statement If this is your Pierce Commercial Bank Account: Important Features of your Heritage Bank Account: Pierce Investment Sweep MMA No minimum balance required Monthly fee of $15 Your Heritage Bank Account will be: Interest earned on all balances Sweep Account Interest compounded daily and paid monthly Monthly statement Available with Business Analysis Checking If this is your Pierce Commercial Bank Account: Important Features of your Heritage Bank Account: MMDA Public Funds No minimum balance required Monthly fee of $8 Interest earned on balances of $2,500 or more $0.12 per check paid Your Heritage Bank Account will be: $0.20 per deposit Public NOW $0.06 per deposited item $0.05 per rolled coin purchase $0.05 per $100 currency purchase Monthly Statement with check images Online banking with Business Cash Manager Online available www.heritagebankwa.com 13

Specific Account Information Certificates of Deposit These accounts offer the security of FDIC Insurance and the flexibility to help you achieve your financial goals. Information About Your Certificate of Deposit (CD) Account(s) at Conversion: Your existing CD account(s) at Pierce Commercial Bank will become a CD at Heritage Bank. At Heritage Bank, your CDs will continue with the same maturity date. Interest payments will occur on the same schedule and in the same manner you receive them today. If you now have your interest credited directly to your account, paid to you by check or transferred to another account, this arrangement will continue. At Heritage Bank, you will receive a quarterly statement. If your CD is used as collateral for a loan or assignment, your CD will continue to be pledged. Your deposits will continue to be insured by the FDIC to $250,000 per account ownership. Information About Your Certificate of Deposit (CD) Account(s) at Renewal: At maturity, your CD will automatically renew as a Heritage Bank CD to the most similar term available and at the fixed interest rate in effect on the maturity date. If you wish, you will also have the opportunity at renewal to select a different type of CD or investment for your funds. The chart at right identifies the term to which your CD will be renewed. Heritage Bank terms and conditions will apply. After your CD renews, it will be governed by the enclosed Disclosure Statement of Heritage Bank, which will replace your account agreement with Pierce Commercial Bank. After your CD has renewed, your interest will be compounded daily on the current balance. Terms less than one year will have an early withdrawal penalty of 90 days simple interest. Terms more than one year will have an early withdrawal penalty of 180 days simple interest. The grace period for all maturing CDs will continue to be ten calendar days. Use the chart at right to determine which Heritage Bank CD your current CD will be transferred to upon renewal. www.heritagebankwa.com 14

If this is your Pierce Commercial Bank Account: Specific Account Information Certificates of Deposit 90-179 Day CD $2,500 minimum balance Important Features of your Heritage Bank Account: 180-364 Day CD Interest compounded daily and paid quarterly Your Heritage Bank Account will be: Flex-Term CD If this is your Pierce Commercial Bank Account: 12-17 Month CD $2,500 minimum balance Additions allowed in increments of $500 or more up to the opening balance amount Your CD will renew to the same term at the fixed interest rate in effect on the maturity date Important Features of your Heritage Bank Account: 18-23 Month CD Interest compounded daily and paid quarterly 24 Month CD Additions not allowed 60 Month CD Your CD will renew to the same term at the fixed interest rate in 12 Month Bump-Up CD effect on the maturity date 24 Month Bump-Up CD Your Heritage Bank Account will be: Fixed Rate CD Customize Your Account Here is how to customize your account to meet your needs: We want you to have the account which is right for you. We will convert your account to the Heritage Bank account which most closely matches the features and benefits of your current account. If you prefer another Heritage Bank account, we make it easy for you to switch. To change your account or to request more information, simply use the request form on page 31 or contact us at (800) 455-6126. www.heritagebankwa.com 15

Product Offerings Account Features Choose the Checking Account that Fits Your Lifestyle... Heritage Free Free checking is our basic checking account full of value and convenience. Personal Checking All Access The All Access checking package gives you the convenience and flexibility to quickly and easily access your funds 24/7. Heritage Interest Interest checking is the perfect account for those who tend to keep a higher balance in their account and enjoy the benefit of earning interest. Minimum balance to open $100 $100 $100 Minimum daily collected balance to avoid monthly fee No minimum balance is required No minimum balance is required $300 Minimum daily collected balance needed to earn interest N/A N/A $300 Interest is compounded daily and paid monthly Interest rate tiers: rates are based on collected balances N/A N/A $300 $999 / $1,000 + Monthly fee $0 $0 Write up to 5 checks a month $0.50 per check after 5 $6 if balance falls below $300 minimum Free checks No No No ATM transaction fees No fee at Heritage Bank ATMs All others $1.50 No transaction fees No fee at Heritage Bank ATMs All others $1.50 Insurance* None None None Additional benefits None Free automatic transfers from All Access Savings Dime-A-Time rewards High yield savings plan available None See complete list of All Access benefits on page 18 Additional account options Free Heritage@Home Online banking, Bill Pay & FinanceWorks powered by Quicken Free Heritage Access Line, 24-Hour Telephone Banking Online Statement & Combined Statement options www.heritagebankwa.com 16

Product Offerings Heritage Senior Our Senior checking account is a little extra we offer to our customers who are 50 years old and better. Premier Premier Checking is the perfect choice if you re looking to benefit from higher interest earnings while keeping your money available. Personal Checking Heritage Interest Advantage This interest bearing checking account includes the Advantage Benefits Package, a bonus package of premium benefits. Heritage Senior Advantage This 50+ checking package features competitive interest earnings on balances of $100 or more and includes the Advantage Benefits Package. $100 $100 $100 $100 No minimum balance is required $50,000 in combined personal deposit accounts No minimum balance is required No minimum balance is required $500 Interest is compounded daily and paid monthly $300 Interest is compounded daily and paid monthly $500 Interest is compounded daily and paid monthly $100 Interest is compounded daily and paid monthly $500 + $300 $9,999 / $10,000 $24,999 $25,000 $49,999 / $50,000 $99,999 / $100,000 $249,999 $250,000 and above $500 + $100 $2,499 / $2,500 $9,999 $10,000 + $0 $25 if combined balance falls below minimum $8* $5* Yes No transaction fees None Free Heritage Bank checks or $5 off other styles Free Bank Checks Yes No transaction fees, reimbursement of foreign ATM service charges None Free Heritage Bank checks or $5 off other styles See complete list of Premier benefits on page 18 www.heritagebankwa.com 17 Yes No fee at Heritage Bank ATMs All others $1.50 $5,000 Identity Theft $10,000 Accidental Death $100,000 Common Carrier Free Heritage Bank non-duplicate checks or $5 off other styles Payment Card Protection Savers Club Sojourns Magazine Bonus Travel Discount Shopping Service Key Ring Protection Yes No transaction fees $5,000 Identity Theft $10,000 Accidental Death $150,000 Common Carrier Free Heritage Bank checks or $5 off other styles Free Bank Checks Payment Card Protection Savers Club Sojourns Magazine Bonus Travel Discount Shopping Service Rx Advantage prescription drug program with Nations Health Medical Supply Pharmacy & mail order service (see brochure) Coast To Coast Vision Plan Discount Pharmacy Service Key Ring Protection Check Images returned free Unlimited VISA CheckCard usage with Save Up Direct Deposit available Automatic savings plans available Overdraft protection options using a loan or deposit account Overdraft Plus available up to assigned limits Check images returned $2/month *A portion of the service charge goes toward paying the insurance premiums. The insurance offer is not a deposit, not FDIC insured, not guaranteed by the Bank and not insured by any government agency.

Product Offerings Premier Relationship Checking Premier Checking is the perfect choice if you re looking to benefit from higher interest earnings while still keeping your money available. To receive the extraordinary benefits Premier has to offer we require a minimum balance of $50,000 in personal accounts. In addition to premium tiered interest rates, Premier checking features free ATM transactions, complimentary checks, Travel Money cards, bank checks and more. This account was designed especially for customers focused on financial success. Free ATM transactions Free online banking and bill pay with Heritage@Home Reimbursement of surcharges from foreign ATM transactions (credited monthly) Combined statements with all linked relationship accounts All Access Package Free Premier specialty checks and checkbook cover Free VISA TravelMoney cards and bank checks FinanceWorks powered by Quicken Are you looking for a checking package that gives you the freedom and flexibility to quickly and easily access your money anytime day or night? All Access Checking and Savings from Heritage Bank is all about you 24 hours a day, 7 days a week. All Access Checking Account All Access Checking requires online banking and online statements. Write up to 5 checks per monthly statement cycle at no cost, $.50 each thereafter. Receive all these conveniences free: Online banking Online bill pay and presentment FinanceWorks powered by Quicken ATM transactions* All Access Savings Account Automatic transfers from linked All Access Savings In-branch transactions Online statements and online check images Dime-A-Time rewards on qualified debit card transactions** With All Access Checking you qualify for All Access Savings. Earn more as you save with competitive tiered interest rates. More freedom to save it s all about you! Free automatic transfers from All Access Savings to All Access Checking to cover checks or debits posted to your account. * Heritage Bank ATM transaction fees waived. ** Earn $.10 for every credit transaction (signature, non-pin based) using your All Access Checking VISA CheckCard. www.heritagebankwa.com 18

Product Offerings Personal Online Banking with Heritage@Home With Heritage Bank s free online banking system, Heritage@Home, you control your finances 24/7. Access your accounts securely online when it is convenient for you to: Check balances Transfer funds View transaction history View check images Download transactions Order checks Place stop payments View account statements Pay and view bills online with free bill pay and bill presentment Manage accounts, track spending and ensure bills are paid on time with FinanceWorks Online Statements Go Green Go paperless and access your account statements online instantly. Once you register, we begin storing your statements online and they will be available for up to twelve months. Bill Pay & Presentment Save yourself the hassle of writing checks, paying for stamps and making sure you mail your payments on the right day. Pay your bills using our secure Bill Payment system. It s fast, easy and free! Pay an unlimited number of bills each month Pay anyone: businesses or individuals (exceptions are: tax, court-appointed and foreign payments) Set up payments in advance or schedule them to be paid automatically Bill Presentment allows you to view your bills online and stop receiving paper statements. FinanceWorks Your complete financial picture, all in one place FinanceWorks, powered by Quicken is the next generation of online banking. Add accounts from more than 18,000+ financial institutions and creditors to see your complete financial picture on one convenient website, right from Heritage@Home. Use tools to help you set spending and savings goals, track expenses to see where your money is actually going and see it all in simple language with easy to use charts and graphs. Solve your most important, everyday financial problems with ease by budgeting and gaining control over your spending with FinanceWorks. www.heritagebankwa.com 19

Product Offerings VISA CheckCard If you now use a Mastercard debit card to access your Pierce Commercial Bank accounts, you will be mailed a new Heritage Bank VISA CheckCard as a replacement the first week of March. You will receive a new Personal Identification Number (PIN) approximately 4 days after your new card. Your new card will access your same accounts. You will not be able to use your existing Pierce Commercial Bank card after March 13, 2011. Please use your Heritage Bank card starting March 14, 2011. A convenient alternative to carrying cash and checks Used anywhere VISA is accepted Pay for your purchases while avoiding the hassles of writing a check Enjoy more security than carrying cash Access cash at ATMs worldwide Manage your purchases on your detailed monthly statement of all transactions Apply for your VISA CheckCard today at your local branch or online. Save Up Save Up is an automatic savings program available for checking customers with both a debit card and savings account. When an eligible debit card purchase is made, Save Up will round up the transaction to the nearest whole dollar and automatically transfer the excess amount to a designated savings account. Save Up with every bag of groceries, cup of coffee or tank of gas purchased with your Heritage Bank debit card automatically. It s an easy way to save. All you need to do: Shop with your debit card everywhere Swipe your card and start saving today Save Up for your future Sign up today at your local branch, in addition, you will find the Save Up Application on our website at www.heritagebankwa.com. If you have any questions, please call us at (800) 455-6126. Frequently Asked Questions: How do I record Save Up transfers in my checkbook register? When is the change transferred? What if I make a return? What if my account is overdrawn? Are business accounts eligible for Save Up? Answers: Simply round up the transaction amount to the nearest whole dollar in your checkbook register every time you make a debit card purchase. Your monthly bank statement contains an itemized list of all transactions, including all Save Up savings transfers. All Save Up transfers show the following day. If you return or cancel an item, your checking account will be refunded the amount of the purchase, but the change from the transaction will stay in your savings account. We will never round up purchases if the transfer will make your checking account negative, and we will never transfer change from a checking account which is already negative. No. Save Up is a program designed for retail customers as it could interfere with a business s current accounting practices. www.heritagebankwa.com 20

Overdraft Plus is a valuable service which can protect your checking account from overdrafts up to a pre-determined amount. The overdraft limit is based on account plan. It is available on occasions when your account is accidentally overdrawn and is only activated if there are insufficient funds available from all other arranged accounts. Non-sufficient funds (NSF) item charges will apply. Your best protection against overdrafts is to keep accurate records and maintain sufficient funds in your account. Important Note: Pierce Commercial checking accounts will not convert with Overdraft Plus. If you would like to establish this coverage, visit us online or at your local branch for complete information on Overdraft Plus as well as additional options for Overdraft protection. Personal Account Name Product Offerings Overdraft Plus Business Account Name Overdraft Plus Free Business Checking... $1,000 Business Checking... $1,000 Business Interest Checking... $1,000 Non-Profit Interest Checking... $1,000 What You Need to Know about Overdrafts and Overdraft Fees An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways: 1. We offer Overdraft Plus. Overdraft Plus Heritage Free... $500 Heritage All Access... $500 Heritage Interest... $500 Heritage Senior... $500 Heritage Interest Advantage... $700 Heritage Senior Advantage... $700 Premier Checking... $700 2. We also offer overdraft protection plans, such as a link to a savings account and/or classic reserve line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans. What are the standard overdraft practices that come with Overdraft Plus? We will authorize and pay overdrafts for the following types of transactions with Overdraft Plus: Checks Automatic bill payments (online bill pay) Recurring debit card transactions (For example: utilities or club memberships) ACH transactions We will not authorize and pay overdrafts for the following types of transactions unless you Opt-In for the additional overdraft debit coverage: ATM transactions One time debit card transactions We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. What fees will be charged if Heritage Bank pays my overdraft? Under our standard overdraft practices: We will charge you a fee of up to $29 each time we pay an overdraft, maximum of 6 per day. Also, if your account is overdrawn for 4 or more consecutive business days, we will charge an additional $5 per day, maximum of 15 days. Fees will reduce the amount of overdraft protection provided. What if I want Heritage Bank to authorize and pay overdrafts? If you want us to authorize and pay overdrafts, call our customer service center, visit one of our branches or online at www.heritagebankwa.com. www.heritagebankwa.com 21

Product Offerings Personal Loans Heritage Bank has been providing financial solutions since 1927. Our lending experts offer a wide array of financing options to meet your individual needs. We offer competitive rates, flexible terms, local decision making and local processing. Installment Loans Auto, Boat and RV Loans Get up and go with a loan for a new or used auto, boat or RV. We can pre-qualify you for a loan to give you more negotiating power with the dealer. Your purchase can be financed over a term of 12 to 72 months. Property Loans for Land If you re looking to purchase a developed piece of property, we offer loans to help you buy now. Once you re ready to build, we can help you with the construction financing as well. Deposit Secured Loan If you have a Certificate of Deposit (CD) with Heritage Bank, you can use the balance as collateral for a personal loan. Because the loan is secured with your deposit account, you ll pay a lower interest rate than you would with an unsecured loan. Visa Credit Cards Heritage Bank offers credit card services through our partner, TIB. Classic Reserve Line Link your checking account to a separate line of credit. If your checking account becomes overdrawn, transfers will be automatically withdrawn from the Classic Reserve Line in $100 increments. The annual fee on the Classic Reserve Line is $24. No per transfer fees apply. Home Equity Loans PrimeLine Select Home Equity Line of Credit PrimeLine Select is a convenient and flexible way to tap into the equity of your home. PrimeLine Select gives you the freedom to fix a portion (or all) of your outstanding balance at a competitive fixed interest rate. Available PrimeLine funds are easily accessed by a VISA CheckCard, writing a check, online with Heritage@Home or in person at any of our convenient locations. You only pay interest on the money you actually use. Home Loans Buying or refinancing your home is an important decision. The key is to find the best terms and people to help you with the application process. From start to finish, your loan will be processed in-house by our Home Loan Experts. These experienced professionals will help you every step of the way. We offer a wide variety of home loans designed to fit your financing needs. Applying for a loan at Heritage Bank is easy. The first step in starting the loan process is to complete your loan application. For your convenience, we have a checklist of information you will need on our website, www.heritagebankwa.com. Talk to one of our Home Loan Experts today and turn your dream into reality. www.heritagebankwa.com 22

Product Offerings Telephone Banking Heritage Access Line The Heritage Access Line is an easy-to-use service which puts your account information at your fingertips 24 hours a day with a simple phone call from the comfort of your home or office. To access the Heritage Access Line, dial (888) 505-9150 or (360) 705-9150. You will be considered a first time caller when accessing the Heritage Access Line for the first time. Once you ve connected with the Heritage Access Line, the voice prompt will guide you through your call, step-by-step. You may: Verify account information Check deposit and loan account balances Confirm deposits made and checks cleared Transfer funds between checking and savings accounts Place a stop payment on a check First Time Callers Have your Account Number and Social Security Number registered to your account ready to use as your Access Code. For security reasons, you will be required to change your Access Code to another four-digit number of your choice. The voice prompt will guide you in setting up your new Access Code. Security and Assistance Available All of your Heritage Access Line information is completely confidential since you choose your own Access Code. If you wish to speak directly with a Customer Service Representative and you are calling Monday through Friday between the hours of 7:30 am and 6:00 pm, simply press 0. You will immediately be connected with one of our friendly representatives. www.heritagebankwa.com 23

Product Offerings Business Checking Choices Choose the Checking Account that Fits Your Business... Free Business This low activity account is perfect for small businesses and community organizations. Minimum balance to open Minimum daily collected balance to avoid maintenance fee Minimum daily collected balance needed to earn interest Monthly maintenance fee $100 No minimum balance is required No monthly fee Checks paid (each) Deposit fee (each) Deposited item fee (each) Rolled coin purchase (each) Currency purchase (per $100) Uncollected funds usage rate Earnings credit First 100 free, $.25 each after 100 First 20 free, $.15 each after 20 First 100 items free, $.15 each after 100 $.05 $.05 Additional account options Business Cash Manager Online $6; Free with $10,000 average balance Visa Business CheckCard You deserve a convenient way to access your business checking account to pay for supplies, client meals or travel expenses. There is nothing more convenient than a VISA Business CheckCard. Our VISA Business Checkcard provides for an easy way to pay directly from your business checking account without writing a check and is welcome anywhere VISA is accepted, in stores, online and at ATMs worldwide. Added benefits include: Track expenditures efficiently with detailed monthly statements Earn points towards rewards when registered in the Visa Extras Program Issue employee cards with the protection of the Visa Liability Waiver Program Monitor CheckCard transactions in real time with online banking www.heritagebankwa.com 24

Product Offerings Business For businesses with moderate activity, this account offers earnings credit to offset transaction fees. Business Interest This interest bearing account is a good choice for the Sole Proprietor. Business Checking Business Analysis This account maximizes earnings credit for businesses with high transaction volume. Non-Profit Interest An interest bearing checking account designed especially for our non-profit customers $100 $100 $100 $100 $2,500 No minimum balance is required No minimum balance is required No minimum balance is required $2,500 Compounded daily & paid monthly Interest earned on all balances Compounded daily & paid monthly $8 if balance falls below $2,500 minimum $8 $9 No monthly fee $.12 $.12 $.12 First 100 free, $.25 each after 100 $.20 $.20 $.20 First 20 free, $.15 each after 20 $.06 $.06 $.06 First 100 items free, $.15 each after 100 $.05 $.05 $.05 $.05 $.05 $.05 $.05 $.05 Prime + 3% Based on average collected balance Based on average collected balance Online banking with Business Cash Manager Online Online banking with Business Cash Manager Online Online banking with Business Cash Manager Online Sweep Account Free Business Cash Manager Online Sweep Account Earn higher rates on your everyday cash with a Sweep Account. The Sweep works along with your analysis checking account. A predetermined minimum balance is set for your checking account. This minimum balance is generally set high enough to provide an adequate Earnings Credit to cover account service charges. Funds above this minimum balance are swept daily into an internal Heritage Bank money market account, where they earn competitive rates. You may also sweep excess funds to pay down a business line of credit, decreasing the amount of interest owed. Deposit by Courier Running to the bank to make routine non-cash deposits is costly and time consuming. Heritage Bank has a convenient alternative, Courier Service. On a pre-determined schedule, a courier will collect your deposit bags from your office and deliver them to the bank. Deposits are then verified and accepted for credit to your account. Pickups may be arranged daily, weekly or several times each week. Pricing is determined by the number of pickups per week, your distance from the bank, and the overall banking relationship. (Courier Service available in most areas.) www.heritagebankwa.com 25

Product Offerings Cash Management Services We build our relationships around an understanding of your business goals and objectives. Our commitment is to provide quality financial tools with superior service. Business Cash Manager Online (BCMO) BCMO is the perfect tool to streamline operations and improve cash flow. BCMO provides online, real time account management giving greater control and more access to account information. The administration platform of the product allows for multiple end-users, each with different security access. Business Cash Manager Online uses advanced Internet security algorithms to guard the privacy of your company s information and transactions. Wires transfers and ACH transactions are originated using the additional security of a Go ID token. When online wire capability and/or ACH capability is established, a Go ID token will be assigned and all transactions will require the input of the revolving 6-digit security code. Review complete account and loan information online 24/7 Originate direct transfers (ACH) Move funds between accounts Initiate wire transfers Pay bills more efficiently using the presentment feature View and print monthly account statement Detect check fraud with Positive Pay Business Deposit Manager (BDM) BDM is an innovative business tool that brings the bank to your location to streamline the check deposit process and improve cash flow. BDM provides the ability to scan and submit check deposits from your business office. Make deposits until 7:00 pm, M-F Speed up the availability of funds and increase working cash Add efficiency and eliminate the cost and liability of regular trips to the bank Reduce the risk of fraud Lockbox Processing Lockbox Processing is a cash flow improvement process in which your customers payments are delivered to a post office box instead of to your business address. This post office box will only receive your customers payments. Heritage Bank will collect any mail from the box and process the payments directly into your business checking account. The contents of your lockbox will be processed once a day or more often if necessary. Lockbox processing is a secure and efficient way to optimize cash flow for your business. Invoice/Statement Printing Heritage Bank offers a full-service invoice printing and mailing solution designed to save time and improve cash flow. Invoice/Statement Printing provides for a more efficient invoice and billing process, reduced bill turnaround time, discounted postage rate and customized invoice statements. Merchant Services Heritage Bank offers a complete Merchant Services program which is able to support the majority of card processing software programs. Your business can be set up to accept all major credit cards and our account pricing structure is tailored to meet your individual business needs. With a Merchant Services program, you receive complimentary supplies. Gift Card program Heritage Bank offers a flexible gift card program that is quick and easy to implement, often with the same credit card equipment already in place. Our complete solution features card design, in-store displays, transaction processing, reporting and 24/7 customer support. www.heritagebankwa.com 26

Product Offerings Business Lending Heritage Bank is committed to providing you with business products that meet your individual needs. Our experienced professional bankers can help your business grow. We understand the entrepreneurial spirit and custom build our loans for each individual business. We are committed to providing you with responsive personalized service. Our loan decisions are made locally and we offer highly competitive rates. Business Term Loans Finance new equipment and vehicles for your business or refinance existing debt. Expand your business with an injection of cash on a term basis. Business Lines of Credit Flexible financing allowing you to repay and reuse your line of credit as needed. Specifically designed for businesses to take advantage of investment opportunities. Small Business Lending Lending requests of $150,000 or less define this product. Small business loans and lines of credit can be used to help you reach the goals and objectives for your business enterprise. Commercial Real Estate Lending Heritage Bank has been financing commercial real estate ventures since 1927. Innovative solutions from Heritage Bank can help you finance both owner occupied and non-owner occupied properties. SBA Lending Heritage Bank specializes in meeting the unique borrowing needs of small businesses. Because of our association with the Small Business Administration, Heritage Bank has the professional business bankers to provide hands on assistance. Agribusiness Lending Heritage Bank can provide knowledgeable and flexible solutions specific to agriculture and aquaculture industries. Term lending, lines of credit, USDA, FarmerMac and FSA loans are all available. Construction Lending Heritage Bank has experts dedicated to commercial construction lending. We are able to provide assistance in selecting the best financing options for your project. Business Visa Credit Cards Heritage Bank offers business credit card services through our partner, TIB. Contact a business banking expert to apply today www.heritagebankwa.com 27

Product Offerings Team Account Package Valuable Banking Benefits for your Valuable Employees! With your Heritage Bank business relationship, you can now reward your employees with our Team Account, a money-saving package of banking services free to your employees and free to you. Heritage Team Benefits:* All Access Checking account featuring Dime-A-Time rewards, online banking with convenient online statements and no minimum balance requirement All Access Savings account featuring no fees, no minimum balance requirement and free automatic transfers to checking No ATM transaction fees and reimbursement of up to 6 foreign ATM surcharges per month Free online banking, bill pay and FinanceWorks Bonus rate bump of 1/4 percent on a new Certificate of Deposit account $5 discount on your Safe Deposit Box rental fee $4 fee waived for VISA Gift Cards Signing up to offer the Team Account is easy; we have a simple agreement to complete and we can provide your business with complimentary customized posters, flyers, paycheck stuffers and more. * Dime-A-Time rewards: Earn $.10 for every credit transaction (signature, non-pin based) using your All Access Checking VISA CheckCard. Online banking and online statements required. www.heritagebankwa.com 28

Trust Services Product Offerings Additional Services Heritage Bank offers a complete in-house Trust Services department that holds Trust powers in the states of Oregon and Washington. Our Trust Services are designed to provide maximum benefit to Trust and Estate Beneficiaries while following the written directives of the settler of the trust. We offer a full array of Trust Services including: Trust Administration Guardianships and Conservatorships Probate and Estate Management Asset Management for Individuals Commercial and Residential Real Estate Management Self Directed IRAs holding alternative assets and real property Life Insurance Trust Management and Due Diligence for contracts owned/purchased by the trust Investment products are not obligations of, guaranteed by any bank including Heritage Bank or any Heritage Bank affiliate, nor are they insured by the Federal Deposit Insurance Corporation, the Federal Reserve, or any other agency. An investment in such products involves investment risk, including possible loss of principal. International Services Heritage Bank offers International Banking Services. We understand the needs of local businesses, as well as the subtleties of international rules and practices. Through our International Department we offer the following Trade products and services: Import: Issuance of Commercial Letters of Credit, Documentary Collections and International Funds Transfer Export: Advising and Negotiation of Export Letters of Credit, Documentary and Clean Collections, Bills Purchase Program, International Funds Transfer, Transfer of Irrevocable Letters of Credit, Assignment of Proceeds of Letters of Credit and Confirmation of Export Letters of Credit Other Trade Related Products: Issuance of Standby Letters of Credit, Foreign Exchange Services, Accounts Receivable Financing and Government-Guarantee Export Financing Heritage Investment Services Investments, taxes, insurance, retirement, estate planning the list of financial concerns and considerations facing you today is seemingly endless. There are no easy answers. We are committed to putting quality service and objective advice first. We offer our clients access to financial services and products in a variety of areas: Retirement Planning Estate Planning Stocks Bonds Mutual Funds Fixed and Variable Annuities Life Insurance We have been providing investment advice, planning and financial services to individuals and businesses for more than 20 years. Heritage Investment Services is here to help you navigate your way through the complicated investment landscape. Contact us today to learn more about these services or to set up a consultation. Securities, Advisory Services and Insurance products offered through LPL Financial and its affiliates member FINRA/SIPC. Not FDIC Insured No Bank Guarantee May Lose Value Not a Deposit Not Insured by any Federal Government Agency Appointments available at all Heritage Bank locations. Heritage Bank is not a registered broker/dealer nor is it affiliated with LPL Financial. www.heritagebankwa.com 29

Health Savings Account Product Offerings Additional Services A Health Savings Account (HSA) is a form of consumer directed health coverage pairing a qualified High Deductible Health Plan (HDHP) with a tax-free savings account. HSAs are designed to reduce healthcare insurance costs for both employers and employees. The high deductible insurance policy provides protection against major medical expenses and the HSA is used to pay for day-to-day medical expenses. HSAs enable individuals to pay for qualified medical expenses on a tax-favored basis. Contributions are tax-deductible and eligible withdrawals are tax-free. Individuals control the money in their HSA. Decisions on how to spend the money are made by the individual without relying on a third party or a health insurer. Funds not spent can carry forward to future years and be used penalty-free after age 65 for any purpose seen fit. There is a one-time setup fee of $25 and interest is earned on all balances. You may write a check or use an HSA debit card to pay for qualified medical expenses. Advantages of HSAs: Affordable Healthcare: Pay less for a HDHP, use the premium savings to fund the HSA Tax Savings: Pre-tax contributions, tax-free interest earnings and tax-free withdrawals when used for qualified medical expenses Control: Individuals have more control over their healthcare decisions. They decide whether to save the money, use it for medical expenses and which expenses to pay from the account Flexibility: HSA money can be used for a wide range of healthcare related expenses not typically covered by other healthcare accounts, such as purchasing long term care insurance Ownership: HSA funds are a cash asset. Your HSA is a lifetime account that is not tied to any one health plan or employer www.heritagebankwa.com 30

Request Form Request for Change of Account and More Information To change your account or request more information, please complete and mail this form in the enclosed pre-paid envelope. If you prefer, please feel free to contact your local branch or call our Customer Service Center at (800) 455-6126. Please Print Name Name Address City / State / Zip Home Phone Work Phone If you would like to make a change to your pre-assigned account at conversion, please provide the account number(s), account name(s) and your signature(s). Account #: I prefer this account Please specify account name Detach here Account#: I prefer this account Please specify account name To change additional account(s), please use the back of this form Signature(s) Date Date Personal o Heritage Free Checking o All Access Checking Package o Heritage Interest Checking o Heritage Senior Checking o Heritage Interest Advantage o Heritage Senior Advantage Please send me more information about: o Classic Reserve Line o Home Equity Loans o Home Loans o Construction Loans o Visa CheckCard / Save Up o Personal Credit Cards Business o Business Checking o Free Business Checking o Business Interest Checking o Non-Profit Interest Checking o Business Analysis Checking o Team Account o Business Loans o Business Cash Manager Online (BCMO) o Merchant Services o Business Deposit Manager (BDM) o Premier Checking o Heritage@Home o Business Incentive Savings o Lock Box / Invoice Printing o Statement Savings o FinanceWorks o Business Money Market Additional Services o All Access Savings o IRAs o Sweep Account o Health Savings Accounts o Money Market Advantage o Business Visa CheckCard o Trust Services o Certificates of Deposit o Business Credit Card o International Services o Heritage Investment Services www.heritagebankwa.com 31

Request Form Request for Change of Additional Accounts Account #: I prefer this account Please specify account name Account#: I prefer this account Please specify account name Account#: I prefer this account Please specify account name Signature(s) Date Date www.heritagebankwa.com 32

Our Heritage of Memories 1927: The bank is established as Thurston County Savings & Loan Association under the leadership of President O.M. Green 1935: We become a member of the Federal Savings and Loan Insurance Corporation and add the word Federal to our name 1961: Our first branch is established in Shelton 1963: The Lacey branch opens 1973: We move our Olympia branch and administrative offices into new headquarters at 5th and Columbia in downtown Olympia 1975: The Tumwater branch is established 1976: We change our name to Heritage Bank 1977: Our first Pierce County branch opens in Spanaway 1993: Our holding company, Heritage Financial Corporation, is formed 1994: The West Olympia branch opens 1995: The Indian Summer branch opens 1996: Lakewood and 80th & Pacific branches open 1997: We open our Downtown Tacoma branch 1998: Heritage Financial Corporation goes public, trading under the HFWA ticker symbol 1998: The 56th & South Tacoma Way and 88th & South Tacoma Way branches, originally opened as North Pacific Bank, join Heritage Bank 2001: We move our Downtown Tacoma branch to the Heritage Bank building on Pacific Avenue 2002: We celebrate 75 years of excellence 2006: We open our Sumner branch and acquire Washington State Bank in Federal Way, our first branch in King County 2010: We open our South Hill Puyallup branch; acquire the nine branches of Cowlitz Bank, in Western Washington and Oregon; and aquire Pierce Commercial Bank in Tacoma, Washington 2011: We open our Gig Harbor branch

Locations Olympia Main Office 201 5th Ave. SW Olympia, WA 98501 (360) 943-1500 88th & S. Tacoma Way 8801 S Tacoma Way Lakewood, WA 98499 (253) 584-8600 Sumner 1005 Wood Ave. Sumner, WA 98390 (253) 826-0944 Kelso 1000 S 13th St. Kelso, WA 98626 (360) 423-7800 West Olympia 900 Cooper Point Rd. SW Olympia, WA 98502 (360) 705-3500 56th & S. Tacoma Way 5448 S Tacoma Way Tacoma, WA 98409 (253) 472-3333 South Hill Puyallup 4627 S Meridian Puyallup, WA 98373 (253) 770-1343 Kalama 195 N First St. Kalama, WA 98625 (360) 673-2226 Lacey 4400 Pacific Ave. SE Lacey, WA 98503 (360) 491-4350 Spanaway 15211 Pacific Ave. S Tacoma, WA 98444 (253) 531-4360 Federal Way 32303 Pacific Hwy. S Federal Way, WA 98003 (253) 941-8541 Vancouver 700 Washington St., Ste. 105 Vancouver, WA 98660 (360) 992-6200 Indian Summer 5800 Rainier Loop SE Lacey, WA 98513 (360) 438-2000 80th & Pacific 8002 Pacific Ave. Tacoma, WA 98408 (253) 473-4945 Seattle 1505 Westlake Ave. N, Ste. 125 Seattle, WA 98109 (206) 282-4000 Portland 1001 SW 5th Ave., Ste. 250 Portland, OR 97204 (503) 306-5400 Tumwater 5301 Capitol Blvd. S Tumwater, WA 98501 (360) 943-5100 Downtown Tacoma 1119 Pacific Ave. Tacoma, WA 98402 (253) 572-5772 Bellevue 520 112th Ave. NE, Ste. 160 Bellevue, WA 98004 (425) 452-1543 Springridge 32200 SW French Prairie Rd. Wilsonville, OR 97070 (503) 694-6950 Shelton 301 E Wallace-Kneeland Blvd. Ste.115 Shelton, WA 98584 (360) 426-4431 Lakewood 9802 Gravelly Lake Dr. SW Lakewood, WA 98499 (253) 588-9866 Allenmore 1722 South Union Ave. Tacoma, WA 98405 (253) 471-1500 Gig Harbor 5119 Olympic Dr. NW Gig Harbor, WA 98335 (253) 858-1536 Longview 927 Commerce Ave. Longview, WA 98632 (360) 423-9800 Castle Rock 202 Pierce Commercial St. W Castle Rock, WA 98611 (360) 274-6685 Cover Photo: Thomas Northcut/Photodisc/Getty Images YOUR PARTNER FOR SUCCESS www.heritagebankwa.com (800) 455-6126 www.heritagebankwa.com 34