Welcome to Columbia State Bank

Welcome to Columbia State Bank This guide contains important information regarding the conversion of your accounts. You ll notice the difference.

Here to stay. Here to stay involved. Columbia State Bank isn t just another bank. We re part of the neighborhood. Our employees live in the communities we serve. They re involved, truly involved, in helping make their communities better places to live and work. So take comfort in banking with a bank that s not only here to stay, but here to stay involved. 2

TABLE OF CONTENTS A message from the President...4 Board of Directors and Executive Officers...5 Questions and Answers...6 Personal Banking...15 Personal Account Conversion Charts...16 Personal Services... 20 Personal Online Banking...21 Personal Bill Pay... 22 Mobile Banking...23 estatements...24 Business Banking...25 Business Account Conversion Charts... 26 Business Services... 33 Treasury Management Services... 34 Merchant Card Services... 36 Other Services... 38 Private Banking...39 CB Financial Services... 40 Trust Services...41 International Banking...42 Services and Fees Schedule... 43 Privacy Policy... 45 3

LETTER FROM MELANIE DRESSEL, President & CEO, Columbia State Bank & Columbia Banking System, Inc. It is my pleasure to welcome you to the Columbia State Bank family. At Columbia State Bank, we re here to help make a difference for our customers and for the communities we serve. From helping families manage their finances to helping businesses grow with loans, you can count on us to be here for you. We believe when each of us makes a difference, the entire community benefits. Headquartered in Tacoma, Washington, Columbia State Bank is one of the Pacific Northwest s strongest regional community banks, with assets approaching $4.5 billion and 85 branches in Oregon and Washington. We are very well capitalized, significantly above the threshold set by the FDIC to be considered well capitalized, the highest rating possible. We provide a full range of banking services to small and medium-sized businesses, professionals and individuals. You will also have available new and enhanced services such as Treasury Management, Private Banking and International Banking. And even though we offer the sophisticated services of a much larger bank, we never lose sight of what our business is really about: helping our customers achieve their financial objectives for their businesses and in their personal lives. On behalf of everyone at Columbia State Bank, thank you for giving us the opportunity to serve your banking needs. Sincerely, Melanie J. Dressel President & Chief Executive Officer 4

BOARD OF DIRECTORS EXECUTIVE OFFICERS William T. Weyerhaeuser Chairman, Columbia Banking System, Inc. and Columbia State Bank; Director of Clearwater Paper Corporation. Melanie J. Dressel President and Chief Executive Officer, Columbia Banking System, Inc. and Columbia State Bank. John P. Folsom Former President, Brown & Brown, Inc. Frederick M. Goldberg Executive Committee Member and Chairman of Audit Committee, SaltChuk Resources, Inc., Managing Partner of Goldberg Investments Thomas M. Hulbert: President and Chief Executive Officer, Winsor Corporation and Hulco, Inc. Thomas L. Matson Owner and President, Tom Matson Dodge, Inc. Daniel C. Regis General Partner, Regis Investments Donald H. Rodman Owner and Vice President, Rodman Realty, Inc. James M. Will President, Titus-Will Enterprises Melanie J. Dressel President and Chief Executive Officer Columbia Banking System and Columbia State Bank Andy McDonald Executive Vice President Chief Credit Officer Mark W. Nelson Executive Vice President Chief Operating Officer Kent Roberts Executive Vice President Human Resources Gary Schminkey Executive Vice President Chief Financial Officer 5

QUESTIONS AND ANSWERS WHEN WILL THE CONVERSION TO COLUMBIA STATE BANK ACCOUNTS AND SERVICES OCCUR? The conversion is scheduled for the weekend of May 28-31, 2010. However, the changes to your accounts will not be noticeable until Tuesday, June 1, 2010. WILL THE BUSINESS HOURS AT MY BRANCH CHANGE? All branches will retain the same hours of operation for your convenience after the conversion. The Cherry Heights and Hood River branches will be closed on Saturday, May 29, 2010 due to the system conversion. WILL MY BRANCH PHONE NUMBER CHANGE? No, local phone numbers will remain the same. WILL ANY OF MY CURRENT COLUMBIA RIVER BANK SERVICES BE UNAVAILABLE DURING THE CONVERSION WEEKEND? Personal Online Banking: The CRB Personal Online Banking system will be accessible during conversion weekend. Transfers and payments will not be available after 5:00 pm on Friday, May 28, 2010. As of 8:00 am on Tuesday, June 1, 2010 you may begin accessing your accounts through the Columbia State Bank Online Banking system at www.columbiabank.com. Business Online Banking: The CRB Business Online Banking system will not be available during conversion weekend. All business online banking services will be unavailable after 5:00 pm on Friday, May 28, 2010. As of 8:00 am on Tuesday, June 1, 2010 you may begin using Columbia State Bank s Online Banking system at www.columbiabank.com. Telephone Banking: New transfers and payments may not be initiated after 5:00 pm on Friday, May 28, 2010. As of 8:00 am on Tuesday, June 1, 2010 you may begin using the Columbia On Call telephone banking system at 1-800-304-0050. Personal and Business Bill Pay: You will not be able to make changes to existing scheduled payments or create any new payments from 5:00 pm Thursday, May 27, 2010 through 8:00 am Tuesday, June 1, 2010. Any payments you previously scheduled to occur during this period will be processed as usual. ATM: Two ATMs at CRB currently accept deposits. This function will be unavailable from 8:00 am on Friday, May 28, 2010 through 8:00 am on Tuesday, June 1, 2010. Should you need to make a deposit, you may do so through the Night Depository. Account Information WILL MY ACCOUNT NUMBERS CHANGE? Although most account numbers will remain the same, a small number of customers will be 6

notified that their account numbers will be changing. If your account number is changing, you will receive further details about the transition to your new account number. WILL MY ROUTING NUMBER CHANGE? Yes, your routing number will change to 125108272 on June 1, 2010. However, items with the old Columbia River Bank routing number will continue to be routed and processed correctly. AFTER THE CONVERSION, CAN I STILL USE MY COLUMBIA RIVER BANK CHECKS? Yes, we will continue to honor your CRB checks. As you re-order checks, your checks will carry the Columbia State Bank logo and routing number. If you order checks from somewhere other than the Bank, please contact your local branch prior to placing your order. WILL THE FEATURES OF MY ACCOUNT BE THE SAME? The features of your account will change. Please review the Account Conversion Charts to locate your current account and learn the features of your new Columbia State Bank account. WILL FEES CHANGE? Your fees will change as of June 1, 2010. Please review the Account Conversion Charts and Services and Fees Schedule for a detailed list. WILL MY STATEMENT CYCLE DATE CHANGE? You will receive a final statement for your Columbia River Bank account ending on May 31, 2010. The new statement cycle date for your Columbia State Bank account will be similar to your current cycle date. Business accounts will continue to receive a statement cycle that ends on the last day of each month. WILL THE INFORMATION ON MY STATEMENT CHANGE? No, the information you are used to seeing on your statement will remain the same. However, the layout will change after the conversion. A sample statement is available for you to review in the Online Welcome Center at www.columbiabank.com. WILL MY AUTOMATIC TRANSFERS BETWEEN PERSONAL ACCOUNTS CONTINUE? Yes, all automatic withdrawal and deposit functions between your personal accounts will continue without interruption. After conversion, if you need to change or delete a recurring transfer, please contact your branch. New automatic transfers may be created using Columbia State Bank s Personal Online Banking system beginning June 1, 2010. 7

QUESTIONS AND ANSWERS WILL MY AUTOMATIC TRANSFERS BETWEEN BUSINESS ACCOUNTS CONTINUE? If your automatic transfers were created using Columbia River Bank s Business Online Banking system, they will not continue. You may re-establish your automatic transfers through the Streamlined Online Banking system after the conversion. WILL MY AUTOMATIC PAYMENTS CONTINUE WITHOUT INTERRUPTION? Yes, all automatic payments will continue to be withdrawn from your accounts as they were originally created (vendor payments, utility payments, club dues, etc.). WILL THE ORDER IN WHICH MY ITEMS ARE PAID CHANGE? Yes, your current account pays checks in numeric order. Your new Columbia State Bank account will pay items in the order of the smallest dollar amount to the largest. WILL MY BOUNCE PROTECTION SM CONTINUE? Though Columbia State Bank does not offer the Bounce Protection program, we will continue to provide overdraft privilege services for customers currently enrolled in Bounce Protection. The service will now be called the Overdraft Coverage Program. As always, no action is needed on your part to participate in this courtesy program and your overdraft limit will be automatically assigned. The following chart shows the different ways you may access your Overdraft Coverage and indicates whether or not this limit will be reflected in the available balance provided. Access Points Is my Overdrat Coverage limit available? 8 Does the balance provided reflect my Overdraft Coverage limit? Teller Yes No Writing Checks Yes N/A VISA Debit Card Yes N/A ATM Withdrawal Yes Yes ACH Auto Debit Yes N/A Online Banking No No Telephone Banking No No Columbia State Bank does not encourage overdrafts. As your financial partner, we have several options available to help you manage unanticipated expenses. Please speak with your local branch to review which option best meets your needs. New federal regulations require you to opt into overdraft coverage that is accessible by your Debit or ATM card. In order to continue to receive access to your Overdraft Coverage

through your Debit and ATM card, we need to hear from you. We have enclosed a form that explains the overdraft program requirements and provides you with the means by which you may notify us to continue this service. If we have not received a notification from you by August 15, 2010 we will no longer be able to provide you with access to your Overdraft Coverage through your Debit or ATM card. If you are enrolled in Bounce Protection and also have an automatic transfer from savings to prevent overdrafts, please see the following question. MY SAVINGS ACCOUNT AUTOMATICALLY TRANSFERS MONEY TO PREVENT MY CHECKING ACCOUNT FROM BEING OVERDRAWN. WILL THIS CONTINUE? Yes, your savings account will continue to automatically transfer funds to your checking account in order to prevent an overdraft. As a result, your account will not be entered into Columbia State Bank s traditional Overdraft Coverage Program. The savings account transfer fee will remain at $10.00 per transfer. If you wish to add the traditional Overdraft Coverage Program to your account, your automatic savings transfer will be discontinued. WILL MY KLICKITAT VALLEY BANK IRA CHANGE? Your KVB IRA is currently classified as a savings product. It will be re-assigned as an IRA CD and will default to a six month auto-renewable term with applicable rate. (See attached rate sheet) WILL MY CD OR IRA CHANGE? Your CD or IRA will continue its current term and rate until maturity. If your CD or IRA is set to auto-renew, your interest rate will default to the posted rate at that time and interest payments will either be paid quarterly or at maturity. WILL MY HEALTH SAVINGS ACCOUNT CHANGE? Your Health Savings account will continue to be administered as it is today. WILL MY VISA CREDIT CARD CONTINUE TO AUTOMATICALLY TRANSFER FUNDS TO PREVENT MY CHECKING ACCOUNT FROM BEING OVERDRAWN? Your VISA credit card will no longer transfer funds to prevent an overdraft. If you are enrolled in this service, you will receive a letter with details about our Personal or Business Reserve Line of Credit overdraft product. I ALREADY HAVE ACCOUNTS WITH COLUMBIA STATE BANK. WITH MY COLUMBIA RIVER BANK ACCOUNTS, MY DEPOSIT TOTALS WILL BE MORE THAN $250,000.00. WILL I STILL BE COVERED BY FDIC INSURANCE? Your transferred deposits will be separately insured from any accounts you may already have at Columbia State Bank for at least six months after the date of the acquisition 9

QUESTIONS AND ANSWERS (Monday, January 25, 2010). This grace period gives you a chance to restructure your accounts, if necessary, to make sure you have 100% FDIC coverage. Time Deposits (CDs) transferred to Columbia State Bank are separately insured until the earliest maturity date after the end of the six-month grace period. Time Deposits (CDs) that mature during the six-month grace period and that are renewed for the same term in the same dollar amount (either with or without accrued interest) continue to be separately insured until the first maturity date after the six-month grace period. If a Time Deposit (CD) matures during the six-month grace period and is renewed on any other basis, it would be separately insured only until the end of the six-month grace period. Debit & ATM Cards WILL MY ATM OR VISA DEBIT CARD STILL WORK? Yes, all Columbia River Bank ATM and VISA Debit Cards will continue to work with your existing Personal Identification Number (PIN) without interruption. WILL THE DAILY LIMITS ON MY ATM AND VISA DEBIT CARD CHANGE? VISA Debit Card daily limits will be: $400.00 at the ATM $400.00 for PIN based transactions $3,000.00 for signature based transactions $5,000.00 for VISA Business Debit Card signature based transactions. ATM card daily limits will be: $400.00 at the ATM $400.00 for PIN based transactions VISA Debit and ATM card limits are subject to available account balances. WILL MY DEBIT CARD CONTINUE TO ACCRUE POINTS WITH THE SCORECARD REWARDS PROGRAM? All points will stop accruing on April 30, 2010 and must be redeemed by June 30, 2010. WILL ATM BANKING FEES CHANGE? Some of the ATM fees may change. Please refer to the Services and Fees Schedule. 10

WILL I STILL BE ABLE TO MAKE DEPOSITS AT ATMS? You will be able to make deposits through the ATMs at the following locations: 202 W Main St Goldendale, WA 98620 316 E 3rd St The Dalles, OR 97058 Credit Cards WILL MY COLUMBIA RIVER BANK VISA CREDIT CARD STILL WORK? Yes, your card will remain open unless you are otherwise notified by Elan (U.S. Bank). DO I CONTINUE TO SEND MY COLUMBIA RIVER BANK VISA CREDIT CARD PAYMENTS TO THE SAME LOCATION? Your CRB credit card was issued by Elan (U.S. Bank). You will continue to send the payment to the address identified for payment processing. You will not be able to make direct payments at former CRB branches. Online Banking WILL MY PERSONAL ONLINE BANKING BE CONVERTED? Yes, your Personal Online Banking service will be transferred to the Columbia State Bank system during conversion. Your User ID and password will change. You will receive a temporary User ID and a temporary password in the mail prior to conversion weekend. For a preview of the Columbia State Bank online banking system, please visit the home page at www.columbiabank.com. WILL MY BUSINESS ONLINE BANKING BE CONVERTED? Yes, your Business Online Banking services will be converted to the Columbia State Bank Streamlined Online Banking system during conversion. Your User ID and password will change. You will receive a temporary User ID and a temporary password in the mail prior to conversion weekend. For a preview of the Streamlined Online Banking system, please visit the home page at www.columbiabank.com. Some business customers may be contacted by the Columbia State Bank Treasury Management department to determine if they would benefit from our Commercial Online Banking product. A Treasury Management representative will provide you with details about the conversion to Commercial Online Banking. 11

QUESTIONS AND ANSWERS HOW WILL I ACCESS PERSONAL OR BUSINESS ONLINE BANKING? As of 8:00 am Tuesday, June 1, 2010, you may access any Columbia State Bank Online Banking service from the home page at www.columbiabank.com. WILL MY estatements CHANGE? After the conversion, your estatements will be available through the Online Banking system. You will continue to receive e-mail notification when future statements are available for viewing. Statements prior to December 2009 will not be accessible through the Columbia State Bank Online Banking system. If you anticipate needing these statements, you may wish to print them out prior to conversion. As always, copies of your statements will be available upon request at your local branch. WILL I SEE MY FULL TRANSACTION HISTORY IN MY PERSONAL OR BUSINESS ONLINE BANKING? Activity that occurred prior to June 1, 2010 will not appear in the transaction history of your new Online Banking system. You may refer to your final Columbia River Bank account statement or contact your branch for transaction detail. WILL I BE ABLE TO VIEW IMAGES OF MY CHECKS ONLINE? Images of checks that cleared your account prior to June 1, 2010 will not be available for viewing. If you would like a copy of a check prior to that date, please contact your local branch. WILL MY PERSONAL OR BUSINESS BILL PAY CHANGE? No, your Bill Pay service will remain the same. All of your established payees will remain available. HOW WILL I LOG INTO PERSONAL AND BUSINESS BILL PAY? Once you have logged into Online Banking, select Bill Pay from the menu on the left. You will no longer need to provide a separate login. You will automatically be logged into the Bill Pay system. Telephone Banking WILL THE TELEPHONE BANKING PHONE NUMBER CHANGE? Yes, the new Telephone Banking number will change as of 8:00 am June 1, 2010. At that time, you may begin accessing the Columbia On Call Telephone Banking system at 1-800-304-0050. WILL MY TELEPHONE BANKING PIN CHANGE? Your Telephone Banking PIN will be changed to the last four digits of your social security 12

number as of 8:00 am on June 1, 2010. We encourage you to change this to a more secure value by calling 1-800-304-0050 and selecting the PIN change option from the main menu. WILL TELEPHONE BANKING MENUS AND OPTIONS CHANGE? The menus and options will change, however most of the options you are used to will remain available. You may use either the speech recognition menus or those responding to your touch tone keypad. (Speech recognition features are not available in Spanish.) The Columbia On Call system does not support an option to request a fax of your statements. You may contact your branch or enroll in estatements to access a copy of your last statement. Loans & Lines of Credit WILL MY EXISTING LOAN ACCOUNT NUMBER AND INFORMATION CHANGE? No, your loan numbers and information will remain the same. WILL MY EXISTING LINE OF CREDIT ACCOUNT NUMBER AND INFORMATION CHANGE? No, your line of credit account number and information will remain the same. AFTER THE CONVERSION, CAN I STILL USE MY COLUMBIA RIVER BANK PAYMENT COUPONS TO MAKE LOAN PAYMENTS? Yes, you may still use your current loan payment coupons. WILL MY AUTOMATIC LOAN PAYMENTS CONTINUE WITHOUT INTERRUPTION? Yes, all automatic loan payments will continue without interruption. WILL MY LOAN OR LINE OF CREDIT ACCOUNT STATEMENT CHANGE? Although the appearance of your statement will change, the payment detail will remain the same. HOW DO I APPLY FOR A LOAN? Visit your local branch or print out a loan application from our website www.columbiabank.com. DOES COLUMBIA STATE BANK OFFER AGRICULTURAL LOANS? Yes, we will continue to offer agricultural loans. Please contact your local branch or loan officer for more information. 13

QUESTIONS AND ANSWERS Other Services WHAT WILL HAPPEN TO MY SAFE DEPOSIT BOX? Your valuables will continue to be stored in their current location. For annual rental charges on your safe deposit box, please refer to the Services and Fees Schedule. WILL MY IDENTITY GUARD PROTECTION CONTINUE? Yes, if you are currently enrolled in Identity Guard, you will continue to see the same identity theft benefits. WILL MY ID PROTECT ALL COVERAGE CONTINUE? You will no longer be enrolled in the ID Protect All product. If you would like to research other Identity theft protection services, please visit the Security Resource Center at www.columbiabank.com. WILL THE BENEFITS OF MY DISCOVERY CHECKING ACCOUNT CONTINUE? You will no longer be enrolled in the benefits package associated with the Discovery Checking product. Please see the Account Conversion Charts for details about your new account. 14

Personal Banking 15

IF YOUR CURRENT ACCOUNT IS: DISCOVERY CHECKING OR FREE CHECKING No monthly maintenance fee ATM transaction charges: - Columbia Cash Machines: No charge - All Other ATMs: $1.50 - Point Of Sale (POS): No charge Transition to: COLUMBIA FREE CHECKING Check Safekeeping 2 or estatements 7 IF YOUR CURRENT ACCOUNT IS: HOMETOWN CHECKING $6.95 monthly maintenance fee Free Check Imaging 1, Check Safekeeping 2 or estatements 7 Free club checks 6 Transition to: COLUMBIA CLUB TM CHECKING ATM transaction charges: - Columbia Cash Machines: No charge - All Other ATMs: $1.50 - Point Of Sale (POS): No charge $1.00 discount on Cashier s Checks 16

IF YOUR CURRENT ACCOUNT IS: ULTIMATE CHECKING, PRESTIGE PLUS CHECKING OR COMMUNITY (IBEW) CHECKING $8.00 monthly maintenance fee $1,000.00 minimum daily balance required to waive monthly maintenance fee 5 Interest earnings are calculated daily and paid monthly $1,000.00 minimum daily balance to earn interest (See enclosed rate sheet) Transition to: COLUMBIA INTEREST CHECKING Free Check Imaging 1, Check Safekeeping 2 or estatements 7 ATM transaction charges: - Columbia Cash Machines: No charge - All Other ATMs: $1.50 - Point Of Sale (POS): No charge IF YOUR CURRENT ACCOUNT IS: PREMIUM PERSONAL MONEY MARKET Transition to: $15.00 monthly maintenance fee PREMIUM PERSONAL MONEY MARKET 4 $25,000.00 minimum daily balance required to waive monthly maintenance fee 5 Interest earnings are calculated daily and paid monthly (see enclosed rate sheet) Combined monthly statement available upon request 3 Free Check Safekeeping 2 or estatements 7 required 17

IF YOUR CURRENT ACCOUNT IS: MONEY MARKET, SHAREHOLDER MONEY MARKET OR EMPLOYEE MONEY MARKET $10.00 monthly maintenance fee $1,000.00 minimum daily balance required to waive monthly maintenance fee 5 3 free checks/debits per month; $1.00 per check charge if balance is less than $1,000.00 Interest earnings are calculated daily and paid monthly No minimum daily balance required to earn interest (see enclosed rate sheet) Transition to: COLUMBIA MONEY TREND 4 ATM transaction charges: - Columbia Cash Machines: No charge - All Other ATMs: $1.50 - Point Of Sale (POS): No charge Combined monthly statements are available upon request 3 Free Check Safekeeping 2 or estatements 7 required IF YOUR CURRENT ACCOUNT IS: REGULAR SAVINGS, IDA SAVINGS, PASSBOOK PLUS, PRIME RATE FUND OR MINOR SAVINGS $3.00 monthly maintenance fee (No monthly service fee for minors under 18 years old) $300.00 minimum daily balance required to waive monthly maintenance fee or one monthly automatic deposit of $25.00 or more 5 3 free debits per month; $1.00 charge for each debit after first three. All debit charges waived if balance is $300.00 or more Transition to: COLUMBIA PERSONAL SAVINGS 4 18 Interest earnings are calculated daily and paid monthly (see enclosed rate sheet) No minimum daily balance required to earn interest ATM transaction charges: - Columbia Cash Machines: No charge - All Other ATMs: $1.50 - Point Of Sale (POS): No charge Combined monthly statements 3 or estatements 7 are available upon request

IF YOUR CURRENT ACCOUNT IS: PERSONAL HEALTH SAVINGS Transition to: NO CHANGE There will be no changes to your Health Savings account. Your account will continue to be administered as it is today. PERSONAL BANKING 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 then utilize Online Banking to make inquiries. Check images are kept for seven years and may be requested at any time. 3. One convenient statement Combine your Columbia State Bank accounts on a single monthly statement. The combined statement may include your checking, savings & certificate of deposit accounts. 4. The number of transfers & withdrawals is limited for savings and money market accounts. A $5.00 charge per withdrawal may 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 charge is based on a minimum, you must maintain that minimum balance each day to avoid the disclosed maintenance charge. 6. Up to two boxes of checks per calendar year. 7. Requires enrollment in Online Banking. Please refer to the Services & Fees Schedule for additional fees that may be assessed against your account. 19

PERSONAL SERVICES Enjoy all the services of a national bank with the care and personal attention of a true community bank. Because we are local, we are strongly committed to our customers and the communities we serve. Columbia State Bank is dedicated to providing you with a variety of account types and products. With the help of our friendly, knowledgeable staff, we will work with you to find the right combination of services to help you attain your goals. DEPOSIT SERVICES Columbia Free Checking Columbia Club Checking Columbia 60+ Checking Columbia Interest Checking Grow Green Checking Columbia Premium Plan Columbia Customary Savings Columbia Holiday Savings Club Grow Green Savings Columbia Money Trend CDs & IRAs Cash Sweep Accounts VISA Debit Card Automatic Transfers Personal Health Savings Account ONLINE SERVICES Free Online Banking Free Bill Pay Free Mobile Banking estatements CREDIT SERVICES + Personal Loans Vehicle Loans Home Equity Loans Lines of Credit VISA Credit Cards Personal Reserve Account (Overdraft Protection) OTHER SERVICES Columbia Private Banking Trust Services CB Financial Services* International Banking + Subject to credit approval *Securities and Insurance products offered through PrimeVest Financial Services, Inc. An independent, registered Broker/Dealer and registered Investment Adviser. Member FINRA, SIPC Advisory Services may be offered only by Investment Adviser Representatives in connection with an appropriate PrimeVest Advisory Services Agreement and disclosure brochure as provided. Not a Deposit Not FDIC Insured Not Insured By Any Federal Government Agency Not Guaranteed By The Bank May Go Down In Value 20

PERSONAL ONLINE BANKING Personal Online Banking combines the convenience of 24 hour access to your accounts with the powerful online tools you need to effectively manage your money. Now you can view balances, transfer funds and view checks from the comfort of your home. PERSONAL ONLINE BANKING IS FREE There is no charge for our Personal Online Banking service. VIEW BALANCES AND TRANSACTION HISTORY Keep track of your accounts with up to the minute accuracy available 24 hours a day. Search 90 days of transactions by the amount, check number, or date. TRANSFER MONEY BETWEEN YOUR COLUMBIA ACCOUNTS Manage your cash by transferring funds between your Columbia State Bank accounts. VIEW CHECK IMAGES View and print copies of cleared checks, front and back. COMPATIBLE WITH BUDGETING SOFTWARE Our Online Banking system allows you to download your account information to popular budgeting software like Quicken or QuickBooks. ESTABLISH ACCOUNT ALERTS AND REMINDERS Set alerts related to activity on your account and receive notification through e-mail or your mobile phone. Schedule reminders of birthdays, anniversaries or any other special occasions with customized messages. SECURE ACCESS Columbia State Bank understands that security and privacy are important when using the Internet to perform banking transactions. Online Banking takes advantage of multiple levels of security to protect your information and access to our system. estatements Save paper and reduce your mail by viewing your statements and notices online from the comfort of your home or office. HOW TO ENROLL IN ONLINE BANKING 1. From www.columbiabank.com, click on the enrollment link 2. Complete the enrollment form and click submit 3. We will notify you when your enrollment is activated 21

PERSONAL BILL PAY Columbia State Bank s Bill Pay service is the fast and simple way to pay your bills anytime, from anywhere. PERSONAL BILL PAY IS FREE There is no charge for our Personal Bill Pay service and no limit to the number of payments you can make. FASTER AND EASIER THAN WRITING CHECKS Make payments to anyone, anywhere in the United States. You decide when to pay and what to pay. The money is transferred from your account automatically - and you have a record of the transaction. Schedule single or recurring payments to any business or any individual in the United States Review payment history, pending payments and payment status Setup payment reminders ONE PASSWORD AND ACCOUNT No need to visit each of your payees web sites or memorize multiple passwords and user names. One user name and password will access all of your payees. ON-TIME PAYMENTS Avoid late fees by scheduling automatic payments. Payments will always be sent as scheduled, providing there are sufficient funds available in your account. HOW TO ENROLL IN BILL PAY 1. Sign into Online Banking 2. Click the Bill Pay icon 3. Verify and submit the required information 4. Once security setup is complete, you will be logged in 22

MOBILE BANKING Get FREE mobile access to your accounts through your cell phone, ipod or other mobile device. MOBILE BANKING IS FREE There is no charge for our mobile banking service.* VIEW BALANCES AND TRANSACTION HISTORY Access your accounts while you re on the go. Mobile banking is a great way to check your balance or view your transactions from virtually any location. TRANSFER MONEY BETWEEN YOUR COLUMBIA ACCOUNTS Manage your cash by transferring funds between your Columbia accounts while you are waiting in line at the store or a restaurant. Mobile banking is the quick way to manage your money at any time. SECURING YOUR INFORMATION Mobile Banking employs a variety of security features to protect your information. Visit www.columbiabank.com and read our Online Terms and Conditions to learn more about how we protect your information. REQUIREMENTS You must have access to Online Banking to enroll in Mobile Banking and your mobile device must have access to the Internet. *Your mobile carrier s text messaging and web access charges may apply. HOW TO ENROLL IN MOBILE BANKING 1. Sign into Online Banking 2. Click on Services > Mobile Activation 3. Fill in the required information and submit 4. You will receive an e-mail notification 23

estatements Receive your monthly statement in a fast, convenient, and secure way. Simply log in to Columbia State Bank Online Banking and view, save or print your statements from the comfort of your home or office. Sign up today and enjoy the benefits of estatements. Just follow these quick and easy steps then say goodbye to paper statements forever. Sign up for free Online Banking, or log in if you re already set up. From the Online Banking main page, select Services on the left Scroll down the page and select Enroll in estatements Read the quick estatements enrollment agreement and select I Agree Indicate the accounts for which you would like to receive estatements The next time you log-in to Online Banking, simply select Electronic Statements/Notice on the left side of the page, to view your estatements. You will receive e-mail notification each time a statement is available. HOW TO VERIFY YOUR E-MAIL ADDRESS: Log in to Online Banking Select Services, then select Change Info Enter your primary e-mail address Select Submit Information Updated will appear at the top of the page Rest easy knowing that your personal banking information is stored in a safe, secure location that can be accessed at any time from any computer without the clutter and waste. 24

Business Banking 25

IF YOUR CURRENT ACCOUNT IS: VALUE BUSINESS CHECKING OR NON-PROFIT CHECKING $9.00 monthly maintenance fee (waived for Non-Profit Business) Relationship Rewards 2 If your balance does not fall below $400.00 and you choose three additional relationship services (listed below), we will waive the monthly maintenance fee Transaction Charges 3 First 100 transactions are free each month. $0.25 per transaction after the first 100 Transition to: SMALL BUSINESS CHECKING Cash Deposited: First $2,500 per month is free. $0.75 per $1,000 after the first $2,500 ATM Transaction Charges 4 - Columbia Bank ATMs: No charge - All Other ATMs: $1.50 - Point of Sale (POS): No charge 1 Statement options include Check Imaging, Safekeeping or CD-ROM Overdraft Protection is available through a Business Reserve Line of Credit 5 RELATIONSHIP SERVICES Add any three of these services to complete your relationship.* Deposit Services Business Checking Account Business Savings Account Business Money Market and CD Health Savings Account Treasury Management Services Streamlined Online Banking Business Bill Pay Remote Deposit Capture Small Business Investment Sweep Loan Services 5 Business Reserve Line of Credit Fast Track Business Equity Loan Line of Credit Business Equity Line of Credit or Loan Commercial Real Estate Loan SBA Loan Additional Services Merchant Card Services Business VISA Debit Card 1 Business VISA Credit Card 5 CB Financial Services + + Securities and Insurance products offered through PrimeVest Financial Services, Inc. An independent, registered Broker/Dealer and registered Investment Adviser. Member FINRA, SIPC Advisory Services may be offered only by Investment Adviser Representatives in connection with an appropriate PrimeVest Advisory Services Agreement and disclosure brochure as provided. Not a Deposit Not FDIC Insured Not Insured By Any Federal Government Agency Not Guaranteed By The Bank May Go Down In Value *Some Relationship Services may require additional fees (setup, monthly maintenance, etc.) Please review the Services and Fees Schedule and additional product brochures for fees related to any service. 26

IF YOUR CURRENT ACCOUNT IS: BASIC BUSINESS CHECKING $14.00 monthly maintenance fee Relationship Rewards 2 If your balance does not fall below $1,500 and you choose three additional relationship services (listed below), we will waive the monthly maintenance fee Transaction Charges 3 First 250 transactions are free each month. $0.25 per transaction after the first 250 Transition to: BUSINESS CHECKING Cash Deposited: First $5,000 per month is free. $0.75 per $1,000 after the first $5,000 ATM Transaction Charges 4 - Columbia Bank ATMs: No charge - All Other ATMs: $1.50 - Point of Sale (POS): No charge 1 Statement options include Check Imaging, Safekeeping or CD-ROM Overdraft Protection is available through a Business Reserve Line of Credit 5 RELATIONSHIP SERVICES Add any three of these services to complete your relationship.* Deposit Services Business Checking Account Business Savings Account Business Money Market and CD Health Savings Account Treasury Management Services Streamlined Online Banking Business Bill Pay Remote Deposit Capture Small Business Investment Sweep Direct Deposit Payroll Online Wires Fraud Services Loan Services 5 Business Reserve Line of Credit Fast Track Business Equity Loan Line of Credit Commercial Real Estate Loan SBA Loan Additional Services Merchant Card Services Business VISA Debit Card 1 Business VISA Credit Card 5 CB Financial Services + *Some Relationship Services may require additional fees (setup, monthly maintenance, etc.) Please review the Services and Fees Schedule and additional product brochures for fees related to any service. 27

IF YOUR CURRENT ACCOUNT IS: SERVICE CHARGED THROUGH ACCOUNT ANALYSIS Transition to: COMMERCIAL BUSINESS CHECKING $10.00 monthly maintenance fee Earnings Credit is based on investable balances Credits Posted... $0.20 each Debits Posted...$0.14 each Deposited Items... $0.065 each ACH Items Posted...$0.10 each Cash Deposited/Sold...$0.075 per $100 Rolled Coin Purchased... $0.075 per roll Loose Coin Deposited... $8.00 per bag Uncollected Funds Usage... Prime + 3.00% FDIC Insurance... $0.13 per $1,000 ATM Transaction Charges 4 - Columbia Bank ATMs: No charge - All Other ATMs: $1.50 - Point of Sale (POS): No charge 1 Statement options include Check Imaging, Safekeeping or CD-ROM 28

IF YOUR CURRENT ACCOUNT IS: BUSINESS INTEREST CHECKING Transition to: COLUMBIA BUSINESS INTEREST CHECKING 6 $10.00 monthly maintenance fee $1,000.00 minimum daily balance required to waive monthly maintenance fee 2 $1,000.00 minimum daily balance to earn interest Interest earnings are calculated daily and paid monthly (See enclosed rate sheet) Transaction Charges - Deposits/Credits: $0.20 - Checks/Withdrawals: $0.14 - Checks deposited $0.065 ATM Transaction Charges 4 - Columbia Bank ATMs: No charge - All Other ATMs: $1.50 - Point of Sale (POS): No charge 1 Statement options include Check Imaging, Safekeeping or CD-ROM IF YOUR CURRENT ACCOUNT IS: BUSINESS SAVINGS Transition to: $3.00 monthly maintenance fee $500.00 minimum daily balance required to waive monthly maintenance fee 2 First three transactions are free. $1.00 per transaction over three per month if balance is less than $500.00 COLUMBIA BUSINESS SAVINGS 7 Interest earnings are calculated daily and paid monthly (See enclosed rate sheet) ATM Transaction Charges 4 - Columbia Bank ATMs: No charge - All Other ATMs: $1.50 - Point of Sale (POS): No charge 1 29

IF YOUR CURRENT ACCOUNT IS: BUSINESS MONEY MARKET Transition to: $10.00 monthly maintenance fee $1,000.00 minimum daily balance required to waive monthly maintenance fee 2 Interest earnings are calculated daily and paid monthly (See enclosed rate sheet) $1.00 per transaction if balance is less than $1,000.00 COLUMBIA BUSINESS MONEY TREND 7 ATM Transaction Charges 4 - Columbia Bank ATMs: No charge - All Other ATMs: $1.50 - Point of Sale (POS): No charge 1 Check Safekeeping is required IF YOUR CURRENT ACCOUNT IS: PREMIUM MONEY MARKET BUSINESS Transition to: $20.00 monthly maintenance fee $25,000.00 minimum daily balance required to waive monthly maintenance fee 2 PREMIUM BUSINESS MONEY MARKET 7 Interest earnings are calculated daily and paid monthly (See enclosed rate sheet) ATM Transaction Charges 4 - Columbia Bank ATMs: No charge - All Other ATMs: $1.50 - Point of Sale (POS): No charge 1 Check Safekeeping is required 30

IF YOUR CURRENT ACCOUNT IS: MONEY MARKET PUBLIC, INTEREST CHECKING PUBLIC OR PUBLIC SAVINGS No monthly maintenance fee Interest earnings are calculated daily and paid monthly (See enclosed rate sheet) No minimum balance required to earn interest Limited to government entities Transition to: PUBLIC FUNDS NOW INTEREST CHECKING ATM Transaction Charges 4 - Columbia Bank ATMs: No charge - All Other ATMs: $1.50 - Point of Sale (POS): No charge 1 Statement options include Check Imaging, Safekeeping or CD-ROM IF YOUR CURRENT ACCOUNT IS: BUSINESS PUBLIC No monthly maintenance fee Limited to government entities ATM Transaction Charges 4 - Columbia Bank ATMs: No charge - All Other ATMs: $1.50 - Point of Sale (POS): No charge 1 Transition to: PUBLIC FUNDS Statement options include Check Imaging, Safekeeping or CD-ROM 31

BUSINESS BANKING ACCOUNT DISCLOSURES 1. VISA Business Debit Cards are offered to all businesses and are subject to credit approval. 2. The balance requirement to avoid the monthly maintenance fee is based on a minimum. You must maintain the minimum balance each day to avoid the disclosed maintenance fee. 3. Transactions include deposits, deposited items, checks, withdrawals, ACH credits and ACH Debits. 4. ATM cards are available to Sole Proprietors only. 5. Subject to credit approval. 6. Entities organized or operated to make a profit such as corporations, partnerships, limited liability companies, associations, business trusts, or other organizations may not maintain interest bearing checking accounts. A non-profit organization that is operated primarily for religious, philanthropic, charitable, education, political, or other similar purposes may maintain an interest bearing checking account if they are not operated for profit. 7. The number of transfers & withdrawals is limited for savings and money market accounts. A $5.00 charge per withdrawal may 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. Please refer to the Services & Fees Schedule for additional fees that may be assessed against your account. 32

BUSINESS SERVICES From Columbia State Bank s inception, we have set a path to be a different kind of bank. We choose to do business in a way that makes Columbia State Bank a unique organization in the landscape of financial institutions; a high touch bank where customers come first. The Columbia State Bank suite of Business Services provides you with customized accounts and tools to effectively manage your business. Our experienced teams of Commercial Bankers will provide you with dedicated local support and creative solutions to help meet the needs of your business. DEPOSIT SERVICES Small Business Checking Business Checking Commercial Business Checking Columbia Business Interest Checking Customary Business Savings Columbia Business Money Trend Columbia Premium Business Money Market Business Health Savings CDs & IRAs Cash Sweep Accounts Business VISA Debit Card Automatic Transfers TREASURY MANAGEMENT SERVICES Streamlined or Commercial Online Banking Business Bill Pay Remote Deposit Capture Business Investment Sweep Direct Deposit of Payroll Online Wires Fraud Services CREDIT SERVICES + Commercial Loans Commercial Real Estate Loans SBA Loans Agricultural Loans Fast Track Equity Loans Lines of Credit Business VISA Credit Cards Business Reserve Account (Overdraft Protection) OTHER SERVICES Columbia Private Banking Trust Services CB Financial Services* International Banking Merchant Card Services + Subject to credit approval *Securities and Insurance products offered through PrimeVest Financial Services, Inc. An independent, registered Broker/Dealer and registered Investment Adviser. Member FINRA, SIPC Advisory Services may be offered only by Investment Adviser Representatives in connection with an appropriate PrimeVest Advisory Services Agreement and disclosure brochure as provided. Not a Deposit Not FDIC Insured Not Insured By Any Federal Government Agency Not Guaranteed By The Bank May Go Down In Value 33

TREASURY MANAGEMENT SERVICES Columbia State Bank s diversified Treasury Management programs are tailored to meet the specific banking needs of each individual business. We combine technology with integrated operations and local expertise for safe, powerful, flexible solutions. Columbia customers, of all sizes, choose from a full range of transaction and treasury management tools to gain more control over and make more from their money. Our Treasury Management professionals will work with you to find the best combination of services for your business. This customized, modular approach will ensure your business banking operations are cost-effective now, with flexibility for future growth. Information Reporting COMMERCIAL ONLINE BANKING Access to information plays an important role in the success of your business. Commercial Online Banking provides the information you need quickly and accurately. Collections ORIGINATE ACH DEBITS Expedite your collections and build stronger cash flow by initiating electronic debits to your customers through Columbia s Commercial Online Banking. REMOTE DEPOSIT Eliminate daily trips to the bank by depositing paper checks electronically with dailydeposit. LOCKBOX Process payments more cost effectively and gain quicker access to your funds by using Columbia Bank s lockbox service. We gather your payments, deposit the funds into your account and provide detailed information for you to update your accounts receivable system. MERCHANT SERVICES We accept VISA, MasterCard, and Discover Network sales drafts for deposit into your Business Checking Account, plus we provide local support, equipment, and supplies. Disbursements DIRECT DEPOSIT OF PAYROLL Upload your payroll information into Columbia s Commercial Online Banking system for a fast, effective way to create electronic payments to your employees. ACH CREDITS TO VENDORS AND TAX PAYMENTS You can pay almost anyone by ACH credit. Use this secure electronic payment method to take advantage of discounts with your vendors. Reduce check fraud. Reduce reconciliation costs. 34

WIRE TRANSFERS Originate both domestic and international wires online. Whether you send them repetitively or just once in a while, online wires are more efficient, secure and cost less than manual ones. Fraud Protection POSITIVE PAY Positive Pay allows you to inform the bank what checks you have written and compares that data against checks presented against your account. If we receive a check that does not match what you ve told us you ve issued, we provide an exception report and give you the control to decide whether to pay or return the check ACH FILTERS ACH filters gives you control over which electronic transactions can post to your account(s). You tell us who you ve authorized to send electronic transactions to your account(s) all other transactions will be rejected and you will be contacted to make the decision to allow those transactions to post or be returned. Excess Funds Management ZERO BALANCE ACCOUNTS Fund your payroll, accounts payable, and other disbursement accounts from your main operating account. ZBAs give you the option to segregate your transactions while eliminating the need to manually transfer funds back and forth. SWEEP PRODUCTS By linking your operating account to an Investment Sweep, our systems help you maximize cash flow. Excess balances are transferred. You gain competitive returns while saving the time and energy of managing your balances. A Line of Credit Sweep can be linked from your operating account to your loan. Save interest expense by using our automated systems to pay down your line every night with excess funds. And if you need money to fund your operating account the sweep will transfer from your line of credit into your operating account. If you borrow from your line occasionally but at other times have excess funds to invest, we can provide a Dual Sweep which will either pay down your line or transfer balances to your investment account. ACCOUNT ANALYSIS Account analysis provides an earnings credit, based on your combined balances, that will be applied to offset your service charges. This earnings credit can not only offset the cost of your checks paid, deposits, wire transfers, etc., it can also be used to offset the cost of any other Treasury Management product or service. 35

MERCHANT CARD SERVICES Columbia State Bank Merchant Card Services provides local support, the latest equipment and supplies. Merchant Benefits DIRECT CREDIT TO YOUR BUSINESS CHECKING ACCOUNT Your business will benefit from quick credit card sales processing with direct deposit into your business checking account. SUPPLIES Sales drafts, EDC paper and ribbon, window decals, signage, and imprinters are provided at no additional charge. You can pick up supplies at your local financial institution or have them delivered to your business location. For faster response, our local customer service center maintains a direct on-line connection with our card forms supply warehouse. LOCAL SERVICE AND SUPPORT FOR DEPOSITORS Every day our trained Merchant Card Specialists are out in the field making calls and offering support to local merchants depositing with us. MERCHANT ACCOUNTING We have a comprehensive accounting system tailored to meet a merchant s needs, which includes month-to-date credit card deposit information on a transaction statement. Discount fees are assessed monthly, allowing merchants full use of funds during the month. INTERNET ACCESS We have available internet access to merchant reports that allow business customers to review information concerning merchant statements, authorized, captured, cleared, and settled transactions. HOW MUCH WILL IT COST? To process sales drafts for deposit, a fee is assessed called a Discount. We charge a straight forward and competitive Discount. Some card processors quote a reduced Discount, or what is commonly known as an unbundled rate, and then tack on additional costs, i.e. interchange, per item charges, transaction charges, statement fees, charge-back fees, and other miscellaneous charges. Our base Discount covers the cost of processing your credit card sales without those extra charges. Your quoted Discount will be charged once a month on the actual drafts processed for deposit that month. The rate you will be quoted includes the costs involved in processing those drafts. If you rent Point of Sale (P.O.S.) terminals for draft capture, the fee is listed separately. VOICE AUTHORIZATION We provide voice authorization at no costs for merchants as a back-up support for merchants utilizing the P.O.S. terminal and dial pay program. REASONABLE SET-UP AND RENEWAL CHARGES For each location, the set up charge is competitive and includes new application processing, 36

imprinter, related supplies, and authorization information. On the anniversary date of your merchant account a renewal fee is assessed. Electronic Draft Capture (EDC) Services POINT OF SALE Electronic draft capture (also known as Point of Sale) terminals and printers are available for a nominal cost and network charge. When a credit card passes through the terminal s card reader, the sale is authorized and captured. The sales draft is automatically printed. At the end of the day, credit cards are reconciled and transmitted to the financial institution for deposit processing into your business checking account. COMPETITIVE EQUIPMENT PRICING Competitive pricing for Point of Sale equipment is available and includes 24-hour back-up assistance. We work with a variety of integrated systems to include PC capture packages, software and cash register systems. ONLINE DEBIT Online/PIN driven debit card transactions are available. A PIN pad is required for this type of transaction Electronic Check Service We offer P.O.S. check services. This Service converts paper checks presented at the point of sale into safe, efficient electronic transactions. Businesses continue to offer customers the option of paying by check, while reducing paper handling, check acceptance costs and risk, depending on the service option you select. This improves your cash flow and minimizes risk involved with check acceptance. Gift Cards We offer a Gift Card program for Merchants. Plastic Gift Cards represent a significant improvement over paper certificates for retailers, as a stored value Gift Card is spent entirely at your business location. Plus, this electronic version is much easier to track, providing merchants with a new way to observe their customers buying behaviors. Purchase sales are reduced from a card s balance with each transaction until the value is reduced to 0 (zero). How to Apply MERCHANT AGREEMENT Pick up a Merchant Agreement at our nearest branch or call the Merchant Customer Service Center and request one at 1-800-900-1946. We look forward to answering any questions you might have regarding VISA, MasterCard or Discover card acceptance. We also offer American Express card acceptance. 37

Other Services 38

PRIVATE BANKING Columbia Private Banking offers custom solutions to affluent clientele in the areas of Wealth Management, Credit Solutions, Deposit Solutions and Concierge Services. As your trusted financial advisor, your Private Banker represents a team of experienced Columbia State Bank financial professionals, and joins your legal, accounting and other advisors to create a mutual relationship based on serving your needs. Together, your team of advisors use their combined knowledge, talent and care to assist you in pursuing and attaining your life goals. WEALTH MANAGEMENT* Investment Management Retirement Planning Financial Planning Insurance Solutions Tax Management Business Succession CREDIT SOLUTIONS + Lines of Credit Term Loans Secured and Unsecured Loans Equity Loans and Lines of Credit Professional Practice Financing Residential Real Estate Loans Commercial Real Estate Loans DEPOSIT SOLUTIONS High Yield Interest Checking Cash Sweep Accounts Money Market Accounts Savings Accounts Online Banking CONCIERGE SERVICES Dedicated Client Service Support Team Exclusive Columbia Private Banking Checks Personalized VISA Reward Card Services Free Cashier s Checks Discounted Safe Deposit Boxes Complimentary Notary Services Complimentary Bill Pay Speak with a Private Banking officer today at 1-800-305-1905. + Subject to credit approval *Securities and Insurance products offered through PrimeVest Financial Services, Inc. An independent, registered Broker/Dealer and registered Investment Adviser. Member FINRA, SIPC Advisory Services may be offered only by Investment Adviser Representatives in connection with an appropriate PrimeVest Advisory Services Agreement and disclosure brochure as provided. Not a Deposit Not FDIC Insured Not Insured By Any Federal Government Agency Not Guaranteed By The Bank May Go Down In Value 39

CB FINANCIAL SERVICES CB Financial Services is committed to helping you improve your long-term financial success. We offer a comprehensive array of financial solutions that are designed to grow, protect and transition your wealth by delivering an unprecedented level of personalized services and expertise. Our Financial Consultants provide the most dedicated personal service available, thus earning a reputation for excellence in our industry. We take the time to get to know you: listening, asking the right questions, learning about your goals and values. Understanding your current financial situation is vital if we are to make prudent recommendations concerning your future financial strategies. FINANCIAL SOLUTIONS Stocks Bonds Mutual Funds Brokered CDs REITs CMOs ETFs Government Securities Annuities Brokerage Accounts Education Accounts INSURANCE SOLUTIONS Disability Income Insurance Life Insurance Long Term Care Insurance INDIVIDUAL RETIREMENT SOLUTIONS Traditional IRA Roth IRAs Tax Deferred Opportunities Customized Retirement Plans FINANCIAL PLANNING Asset Allocation Net Worth Analysis Retirement Planning Education Funding Estate Planning Wealth Transfer BUSINESS SOLUTIONS 401(k) Plans Deferred Compensation Profit Sharing Succession Strategies Buy/Sell Agreements Key Person Insurance Executive Bonus Plans Speak with a CB Financial Services Financial Consultant today toll free at 1-877-305-0056 in Washington or 1-877-298-6646 in Oregon. Securities and Insurance products offered through PrimeVest Financial Services, Inc. An independent, registered Broker/Dealer and registered Investment Adviser. Member FINRA, SIPC Advisory Services may be offered only by Investment Adviser Representatives in connection with an appropriate PrimeVest Advisory Services Agreement and disclosure brochure as provided. Not a Deposit Not FDIC Insured Not Insured By Any Federal Government Agency Not Guaranteed By The Bank May Go Down In Value 40

TRUST SERVICES Columbia State Bank provides a broad range of personal trust services to meet the needs of your family. Our highly skilled and experienced trust professionals offer quality fiduciary, investment and administrative services. Through careful planning and individual attention, they will help you create your legacy and effectively transfer your assets. TRUSTS Revocable Living Trusts Irrevocable Living Trusts Testamentary Trusts Advisor Directed Trusts Charitable Remainder Trusts Charitable Foundations Special needs and other court supervised trusts AGENCIES Managed Agency Accounts Agency Accounts for Other Fiduciaries Custody Agency Accounts INDIVIDUAL RETIREMENT ACCOUNTS Managed Custodial ESTATES Personal Representative Guardianship Services Speak with a Trust officer today at 1-800-648-3194. Columbia State Bank Trust Services operates through Columbia State Bank, a wholly owned subsidiary of Columbia Banking System. Investments are: Not a Deposit Not FDIC Insured Not Insured By Any Federal Government Agency Not Guaranteed By The Bank May Go Down In Value Consult your attorney as to your applicable situation. 41

INTERNATIONAL BANKING Columbia State Bank s International Banking Department can help ensure that any international funds exchange is conducted with security and ease. CASHING OR DEPOSITING FOREIGN DRAFTS Columbia State Bank will purchase drafts (checks) drawn in foreign currencies and payable in foreign countries, providing immediate access to U.S. dollars and eliminating the need for a lengthy and expensive collection process. Our daily exchange rate sheet is updated each morning. We provide immediate credit if the check is not stale-dated and has been endorsed correctly, and the dollar amount is in the same currency as that of the country in which the check is drawn (Canada may be in USD or CAD). If we are unable to provide immediate credit, we will send the check on a collection basis. FOREIGN CURRENCY When planning a trip abroad, save time and trouble by securing foreign currency before departure. All foreign currencies (notes, not coins) available in the U.S. are available for sale or purchase at Columbia State Bank, in most cases with no transaction minimums. Please note: Canadian Dollars may be bought or sold in any of our branches. Our International Department s daily inventory includes the Euro, Mexican Pesos, and English Pounds. Other currencies are available by the next business day if ordered by 1:00 pm A foreign currency rate sheet is prepared daily by the International Department. For large or unusual transactions, please call the Foreign Exchange Teller or the International Department at 1-877-305-0908. 42

SERVICES AND FEES SCHEDULE Additional Statement... $3.00 ATM Card/Check Card Replacement... $5.00 per card ATM Card/Check Card Expedited Delivery... Actual Cost ATM Transaction Charges Columbia Cash Machine... No Charge All others in state or out of state... $1.50 Point of Sale (POS)... No Charge Cancelled Check Imaging... No Charge Cancelled Checks on CD Rom... $150.00 setup fee and $20.00 per month Charge Back Items To the same account... $5.00 To an alternate account... $7.50 With special handling... $10.00 (including fax, phone, additional copies and/or cash exchange) Coin Fee Rolled Coin... $0.10 per roll Loose Coin... $10.00 per bag Loose Unsorted Coin Deposited... $20.00 per bag Copies of Items checks, statements, deposit/withdrawal slips... $3.00 per copy (research fees may apply) Research/Account Reconciliation... $30.00 per hour Garnishment, Levy or Notice to Withhold and Deliver Fee... $90.00 Night Deposit Services... No Charge Stop Payment Fee... $30.00 each * Overdraft/Returned Item Fee... $30.00 per item Personal Reserve Account Annual Fee... $35.00 Annually Personal Reserve Account Transfer Fee... $2.00 per transfer Business Reserve Line of Credit Annual Fee... $65.00 Annually Business Reserve Line of Credit Transfer Fee... $2.00 per transfer Collections (Domestic) Incoming/Outgoing... $25.00 each Collections (Foreign) Incoming/Outgoing... $35.00 each Return Unpaid... $35.00 each Excessive Savings/Money Market Account Transfer... $5.00 each Foreign Drafts Customers... $30.00 each Non-Customers... $35.00 each Foreign Checks Deposited Items... $1.00 per item (Including Canadian checks payable in U.S. Dollars) 43

SERVICES & FEES SCHEDULE continued Foreign Draft Stop Payment... $75.00 each Foreign Currency... $5.00 per currency Inactive Accounts... $5.00 per month IRA Early Closure Fee... $25.00 IRA Transfer Fee... $25.00 Medallion Stamp Guarantee... $50.00 Money Orders... $5.00 each Notary Service Non-Customer Washington/Oregon... $10.00 per notary Cashiers Checks... $7.00 each Photocopying... $0.50 per page Safe Deposit Annual Rental Charges 2x5... $25.00 3x5... $30.00 5x5... $40.00 2x10... $45.00 3x10... $50.00 4x10... $65.00 5x10... $70.00 7x10... $105.00 10x10... $115.00 For Billing By Notice... Add $2.50 to any box size Safe Deposit Box Lost Key Replacement Charge... $10.00 Safe Deposit Box Lock Drill and Replacement... Actual Cost Non-Customer Check Cashing On Us... No Charge All other checks... $10.00 or 5% whichever is greater VISA Gift Card... $5.95 each Wire Transfers (Domestic) Outgoing... $20.00 each Incoming... $15.00 each Wire Transfers (International) Outgoing... $35.00 each Incoming... $20.00 each Wire Advice... $5.00 each * The bank does not agree to pay overdrafts on your account. However, the bank may, at its sole discretion, pay an overdraft created by checks, in person withdrawal, or by electronic transaction. 44

PRIVACY POLICY Columbia State Bank understands the importance of protecting your confidential information and financial records. Our philosophy and corporate culture is, and has always been, to protect your confidential information. We are providing you our privacy policy, as required by law, to explain our information practices. We want you to understand what information we collect and how we use it, which is summarized in this Privacy Policy. It reflects the corporate culture of our bank other than as required or permitted by law. It is our commitment not to share confidential customer information with nonaffiliated companies, other than as permitted by law. Columbia State Bank maintains procedures that are designed to protect confidential information about you, and the products and services you receive from us. To provide you with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. We will NOT sell personally identifying information to a non-affiliated company for the purpose of solicitation. Nor will we provide confidential information to a non-affiliated company for its own use. Information We Collect We gather information about you from various sources, such as: Loan applications or other forms that we receive from you Your transactions with us Public sources such as federal, state or local records, like mortgage or other lien information Companies such as credit reporting agencies We collect information about you to: Allow us to conduct business with you Safeguard and manage your funds, accounts and records maintained at our bank Understand your financial needs Help us to continue to offer you excellent products and services Satisfy legal reporting requirements and comply with certain laws and regulations Prevent access to your personal and financial information by unauthorized persons For example, we obtain information about your credit history and your home in order to process an application for a home loan. We ask for your social security number when you open a new savings account because we are required to do so by the Internal Revenue Service. We collect other personal identifying information so that we can identify you and protect your accounts from fraud. Information We Disclose We are permitted and sometimes required under law to disclose confidential information about you to non-affiliated companies under certain circumstances. 45

PRIVACY POLICY continued For example, we may disclose information about you to: Non-affiliated companies to assist us in servicing your loan or account with us Government entities in response to subpoenas Credit reporting agencies to whom we report information about your transactions with us We may also disclose information we gather from you, as described above, to companies that perform marketing services on our behalf or to other financial services institutions with which we may have joint marketing agreements. For example, pursuant to a joint marketing agreement: We may share information with financial service providers with which we offer products such as credit cards. Under these joint marketing arrangements, a limited amount of information about you or your account may be provided to the non-affiliated company under an agreement requiring that the non-affiliated company keep your information confidential and not use it for any other purpose. We do this to enhance the products and services we offer and to better meet your financial services needs. In all circumstances, we do require strict confidentiality by the receiving parties and limit the use of the information to the purpose for which it was disclosed. When a non-affiliated company is used to provide specific services for us, we select ones whom we believe to have similar privacy standards as Columbia State Bank. We do not provide information about you for the purpose of independent telemarketing or direct mail marketing. We do not sell our customer lists to catalogs, magazines or direct mail companies. Confidentiality And Accuracy Of Your Information Our employees are trained to understand the importance of confidentiality and respect customer privacy. We have standards in place to protect your information and limit access to customer information only to those employees with a business need for knowing such information. Employees who violate these standards are subject to disciplinary measures. Keeping your account information accurate and up-to-date is very important. We provide you with access to your account information through various means, such as account statements, telephone banking and online banking. If you discover that your account information is incomplete, inaccurate, or not current, please contact us. We will promptly update or correct any erroneous information. Security Measures To Protect Your Information We take steps to safeguard your information. We maintain physical, electronic and procedural safeguards to protect your confidential information and financial records. We have established security standards and procedures to prevent unauthorized access to your information. These standards are for both our traditional banking products and services and electronic online services. In addition, we ensure the destruction of any material that can be designated as consumer information through a third party engaged in the business of record destruction. 46

Protecting Your Information Online The online banking system brings together a combination of industry-approved security technologies as well as best practice procedures to protect your financial data and identity. Columbia State Bank is equally committed to protecting the privacy of customer information on the Internet. For information on the Internet security measures the Bank applies, refer to the online banking security statement at our websites. When you access information about us through our Internet websites, you should know that we use non-affiliated companies to assist us in delivering these online products and services to you. In doing so the Bank, as well as the non-affiliated companies, may retain the information you provide when accessing the web site or using online products or services to better serve you. Our websites contain hyperlinks to other sites operated by non-affiliated companies. When you click on a link you will leave our sites and go to the linked site. We recommend that you review the privacy policies posted on the websites you visit. Verifying Your Credit Information Identity theft is a concern for any consumer and to combat this threat, we recommend that you verify the information being reported to a consumer reporting agency at least annually. You are entitled to a free annual credit report and can request a report by calling 1-877-322-8228 or visiting the website www.annualcreditreport.com Important Information About Procedures For Opening A New Account To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver s license or other identifying documents. If Your Account Is Inactive Or Closed If you decide to close your account(s) or your account becomes inactive, we will continue to adhere to the privacy standards and practices described in this policy. The provisions and explanations in this Policy supersede all previous notices or statements with respect to the subject matter. We reserve the right to change the provisions and explanations in this Privacy Policy at any time. We hope that our Privacy Policy answers any questions you may have concerning our use of your confidential information. If you have any questions or comments regarding our Privacy Policy please contact your branch or call 1-800-305-1905. 47

BELLINGHAM You ll notice the difference. Member FDIC For additional Information: 1-877-272-3678 www.columbiabank.com Equal Housing Lender