Watch for Blue Envelopes with Important Online Banking Information!

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1 <date> Name 1 Name 2 Address 1 City State Zip Your accounts and services will change on March 12, 2018! We are excited to announce the date of the transition of your accounts and services to Columbia Bank is scheduled for the weekend of Friday, March 9, While the transition process will begin on Friday, the changes will not be noticeable until Monday, March 12, After that date, you will enjoy access to Columbia Bank s complete set of services, including Wealth Management, International Banking, and Treasury Management. With more than 150 branches throughout Oregon, Washington and Idaho, your accounts will be accessible at any of our convenient locations. The enclosed transition guide contains answers to commonly asked questions about your accounts, debit cards, credit cards, online services and other Columbia services. The guide also provides charts which detail the features and benefits of your new Columbia Bank accounts. We are committed to providing a smooth transition. If you have questions regarding the information provided in the guide or any of the enclosed materials, please contact your local branch or one of the Customer Care Centers listed on the back of the guide. Thank you for banking with Columbia Bank. Watch for Blue Envelopes with Important Online Banking Information! Personal Accounts Columbia Connect First-Time Login Instructions You will receive instructions to help guide you through your first login with Columbia Connect. Your User ID will remain the same. Businesses with Additional Services Business Online Banking User ID, Organization ID and Temporary Password Please contact us at if you have not received your user ID, organization ID and temporary password cards by February 26, Your user ID, organization ID and temporary password will arrive in two separate envelopes for your security. Businesses without Additional Services Columbia Connect First-Time Login instructions You will receive instructions to help guide you through your first login with Columbia Connect. Your User ID will remain the same. Additional information about the transition of your online banking access can be found in the enclosed Guide to Accounts and Services.

2 Personal Checking & Savings Rates Puget Sound The rates included here are for accounts opened at branches in the Puget Sound area. If you have questions about what rate region your account will be in on March 12, 2018, please contact your banker. Interest Rates and Annual Percentage Yields are current as of January 2, Your interest rate and annual percentage yield may change at our discretion at any time. For current rate information call or your local branch. In order to obtain the disclosed annual percentage yield, you must maintain the minimum balance requirement that is listed next to each account type. Fees could reduce the earnings on the account. All interest rates are established by the Bank, based on local market conditions and related account services. Product Relationship Account Premier Money Market Boost Money Market Health Savings Account* Minimum balance to open $25 $1,000 $1,000 $100 Minimum balance to earn interest $2,500 to $24,999 $25,000 to $49,999 $50,000 to $249,999 $250,000 to $499,999 $500,000 to $999,999 $1,000,000+ $0 to $24,999 $25,000 to $49,999 $50,000 to $249,999 $250,000 to $499,999 $500,000 to $999,999 $1,000,000+ $0 to $4,999 $5,000 to $14,999 $15,000 to $24,999 $25,000 to $49,999 $50,000 to $74,999 $75,000 to $99,999 $100,000+ $500 to $4,999 $5,000 to $14,999 $15,000 to $49,999 $50,000+ Interest rate 0.04% 0.05% 0.05% 0.06% 0.07% 0.08% 0.05% 0.04% Annual Percentage Yield 0.04% 0.05% 0.05% 0.06% 0.07% 0.08% 0.05% 0.04% Everyday Savings $100 No Minimum Snowflake Savings $20 No Minimum IDA Savings $0 No Minimum Balance-computation method: We use the daily-balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest: Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest. Compounding and Crediting frequency: Interest will be compounded and paid to your account monthly. Transaction Limitations: For all Savings and Money Market accounts, you are limited to a total of six (6) transfers and withdrawals per statement cycle. This includes transfers made by you to another account of yours with us and transfers made to a third party by a pre-authorized or automatic transfer and transfers made by telephone or online banking. It also includes checks, debit card transactions or similar order made by you and payable to a third party. *There are no transaction limitations on the Health Savings because it is a checking account. IDA Savings: These are limited to be opened by agencies with which the Bank participates in individual development programs Additional disclosures for your account are included in the Personal Checking & Savings Account brochure, Health Savings Account brochure, Deposit Account Agreement, and the Services and Fees Schedule. Member FDIC PS E

3 Business Checking & Savings Rates Puget Sound The rates included here are for accounts opened at branches in the Puget Sound area. If you have questions about what rate region your account will be in on March 12, 2018, please contact your banker. Interest Rates and Annual Percentage Yields are current as of January 2, Your interest rate and annual percentage yield may change at our discretion at any time. For current rate information call or your local branch. In order to obtain the disclosed annual percentage yield, you must maintain the minimum balance requirement that is listed next to each account type. Fees could reduce the earnings on the account. All interest rates are established by the Bank, based on local market conditions and related account services. Product Business Interest Checking Premium Business Money Market Business Money Trend Minimum balance to open Minimum balance to earn interest Interest rate $100 $1000+ $25,000 $1,000 $0 to $24,999 $25,000 to $49,999 $50,000 to $249,999 $250,000 to $499,999 $500,000 to $999,999 $1,000,000+ $0 to $4,999 $5,000 to $14,999 $15,000 to $24,999 $25,000 to $49,999 $50,000 to $74,999 $75,000 to $99,999 $100, % 0.06% 0.07% 0.08% 0.05% Annual Percentage Yield 0.05% 0.06% 0.07% 0.08% 0.05% Business Savings $100 No Minimum WA IOLTA/IBRETA $100 No Minimum 0.06% 0.06% OR IOLTA/IBRETA $100 No Minimum 1.00% 1.00% ID IOLTA/IBRETA $100 No Minimum 0.06% 0.06% Balance-computation method: We use the daily-balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest: Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest. Compounding and Crediting frequency: Interest will be compounded and paid to your account monthly. Transaction Limitations: For all Savings and Money Market accounts, you are limited to a total of six (6) transfers and withdrawals per statement cycle. This includes transfers made by you to another account of yours with us and transfers made to a third party by a pre-authorized or automatic transfer and transfers made by telephone or online banking. It also includes checks, debit card transactions or similar order made by you and payable to a third party. Additional disclosures for your account are included in the Business Checking Account brochures, Deposit Account Agreement, and the Services and Fees Schedule. Member FDIC PS E

4 Personal Checking & Savings Rates Willamette The rates included here are for accounts opened at branches in the Greater Eugene, Portland and Vancouver area. If you have questions about what rate region your account will be in on March 12, 2018, please contact your banker. Interest Rates and Annual Percentage Yields are current as of January 2, Your interest rate and annual percentage yield may change at our discretion at any time. For current rate information call or your local branch. In order to obtain the disclosed annual percentage yield, you must maintain the minimum balance requirement that is listed next to each account type. Fees could reduce the earnings on the account. All interest rates are established by the Bank, based on local market conditions and related account services. Product Relationship Account Premier Money Market Boost Money Market Health Savings Account* Minimum balance to open $25 $1,000 $1,000 $100 Minimum balance to earn interest $2,500 to $24,999 $25,000 to $49,999 $50,000 to $249,999 $250,000 to $499,999 $500,000 to $999,999 $1,000,000+ $0 to $24,999 $25,000 to $49,999 $50,000 to $249,999 $250,000 to $499,999 $500,000 to $999,999 $1,000,000+ $0 to $4,999 $5,000 to $14,999 $15,000 to $24,999 $25,000 to $49,999 $50,000 to $74,999 $75,000 to $99,999 $100,000+ $500 to $4,999 $5,000 to $14,999 $15,000 to $49,999 $50,000+ Interest rate 0.04% 0.05% 0.05% 0.06% 0.07% 0.08% 0.05% 0.04% Annual Percentage Yield 0.04% 0.05% 0.05% 0.06% 0.07% 0.08% 0.05% 0.04% Everyday Savings $100 No Minimum Snowflake Savings $20 No Minimum IDA Savings $0 No Minimum Balance-computation method: We use the daily-balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest: Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest. Compounding and Crediting frequency: Interest will be compounded and paid to your account monthly. Transaction Limitations: For all Savings and Money Market accounts, you are limited to a total of six (6) transfers and withdrawals per statement cycle. This includes transfers made by you to another account of yours with us and transfers made to a third party by a pre-authorized or automatic transfer and transfers made by telephone or online banking. It also includes checks, debit card transactions or similar order made by you and payable to a third party. *There are no transaction limitations on the Health Savings because it is a checking account. IDA Savings: These are limited to be opened by agencies with which the Bank participates in individual development programs Additional disclosures for your account are included in the Personal Checking & Savings Account brochure, Health Savings Account brochure, Deposit Account Agreement, and the Services and Fees Schedule. Member FDIC WR E

5 Business Checking & Savings Rates Willamette The rates included here are for accounts opened at branches in the Greater Eugene, Portland and Vancouver area. If you have questions about what rate region your account will be in on March 12, 2018, please contact your banker. Interest Rates and Annual Percentage Yields are current as of January 2, Your interest rate and annual percentage yield may change at our discretion at any time. For current rate information call or your local branch. In order to obtain the disclosed annual percentage yield, you must maintain the minimum balance requirement that is listed next to each account type. Fees could reduce the earnings on the account. All interest rates are established by the Bank, based on local market conditions and related account services. Product Business Interest Checking Premium Business Money Market Business Money Trend Minimum balance to open Minimum balance to earn interest Interest rate $100 $1000+ $25,000 $1,000 $0 to $24,999 $25,000 to $49,999 $50,000 to $249,999 $250,000 to $499,999 $500,000 to $999,999 $1,000,000+ $0 to $4,999 $5,000 to $14,999 $15,000 to $24,999 $25,000 to $49,999 $50,000 to $74,999 $75,000 to $99,999 $100, % 0.06% 0.07% 0.08% 0.05% Annual Percentage Yield 0.05% 0.06% 0.07% 0.08% 0.05% Business Savings $100 No Minimum WA IOLTA/IBRETA $100 No Minimum 0.06% 0.06% OR IOLTA/IBRETA $100 No Minimum 1.00% 1.00% ID IOLTA/IBRETA $100 No Minimum 0.06% 0.06% Balance-computation method: We use the daily-balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest: Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest. Compounding and Crediting frequency: Interest will be compounded and paid to your account monthly. Transaction Limitations: For all Savings and Money Market accounts, you are limited to a total of six (6) transfers and withdrawals per statement cycle. This includes transfers made by you to another account of yours with us and transfers made to a third party by a pre-authorized or automatic transfer and transfers made by telephone or online banking. It also includes checks, debit card transactions or similar order made by you and payable to a third party. Additional disclosures for your account are included in the Business Checking Account brochures, Deposit Account Agreement, and the Services and Fees Schedule. Member FDIC WR E

6 Services and Fees Schedule Additional Statement... $3.00 ATM/Debit Card Transaction Fees All Non-Columbia Bank ATMs....$2.50 Debit Card Cash Advance... $2.50 Columbia Bank ATMs....No charge Foreign Transactions....1% of transaction amount... in U.S. dollars Cashiers Checks... $8.00 each Deposited Item Return Fees To The Same Account....$10.00 To an Alternate Account or Special Handling... $15.00 (including fax, phone, additional copies and/or cash exchange) Coin Purchases, Deposit or Exchanges Rolled Coin... $0.10 per roll Loose Coin; same denomination....$10.00 per coin bag* Loose Unsorted Coin....$20.00 per coin bag *A coin bag is defined as: pennies $50, nickels $200, and dimes and quarters $500 Collections (Domestic) Incoming/Outgoing... $30.00 each Collections (Foreign) Incoming/Outgoing... $50.00 each Return Unpaid... $50.00 each Tracing... $50.00 each and actual cost....of courier/electronic....transmission fee Copies of Items Statements... $3.00 each Checks/Withdrawal/Deposit Slips....$1.00 each item (research fees may apply) Excessive Savings/Money Market Account Transfer and Withdrawal Debit Item Fee... $5.00 each During any statement cycle you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a pre-authorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party. A $5 charge per withdrawal will be assessed after the sixth withdrawal per statement cycle. If you continue to exceed the number of transfers or withdrawals, your account may be closed or the account type may be changed. Fax Machine Usage (U.S. only) First Page... $6.00 After First Page... $1.00 per page Foreign Currency - Non-customer....$5.00 per type of currency Foreign Drafts Any Currency... $35.00 each Photo Copy... $10.00 per copy of item Lost or Stolen... $75.00 each Stop Payment... $75.00 each Inactive Accounts... $10.00 per month A checking, savings or money market account is considered inactive after 12 months unless you have increased or decreased the amount on deposit, exclusive of interest, fees.or other adjustments by us. If none of the other accounts in which you are listed as an owner have activity performed within the past 12 months, the account in which inactivity exceeds 12 months will incur a fee of $10.00 per month until activity is performed on the account. Legal Services Garnishments... $ each Levies... $ each Notice to Withhold and Deliver... $ each Subpoenas... Research and copy fees apply Money Orders... $5.00 each Non-Customer Check Cashing On Us... No charge All Other Checks... $10.00 each Money Service Business Due Diligence Fee....$ per month Photocopying... $0.50 per page Research Account Reconciliation....$7.50 every 15 minutes General Research....$10.00 every 15 minutes Safe Deposit Annual Rental Charges 2x5...$ x5...$ x5...$ x10...$ x10...$ x10...$ x10...$ x10...$ x10...$ Billing By Notice Fee (Any Box Size)... Add $2.50 Safe Deposit Box Lost Key Replacement Charge....$25.00 Safe Deposit Box Lock Drill and Replacement... Actual cost Contents of safe deposit boxes are not FDIC insured. Stop Payment Fee 6 months... $35.00 each 12 months... $45.00 each (12 month stop payment request unavailable online) Wire Advice Requested by Mail... $5.00 each Wire Transfers (Domestic) Outgoing... $25.00 each Incoming... $15.00 each Wire Transfers (International) Outgoing... $45.00 each Amending Remittance... $45.00 each Cancellation... $45.00 each Tracing... $45.00 each Fed Wires... $45.00 each Incoming... $20.00 each Overdraft Fee & Returned Item Fee... $35.00 per item Overdraft Fee: An overdraft fee is charged when the balance of your account is insufficient to cover a transaction presented against it but we pay the transaction as allowed by law and our Deposit Account Agreement. Returned Item Fee: A returned item fee is charged if the balance of your account is insufficient to cover a transaction presented against it and we return the item unpaid. We will not charge you a fee for an overdraft of $10.00 or less. If you overdraw your account by more than $10.00 on one business day you will be charged a fee of $35.00 for each check, in person withdrawal or electronic item we pay or return and your account becomes subject to Continuous Overdraft Charges if applicable. Continuous Overdraft Charge...$5.00 per day...after the 5th business day A $5.00 Continuous Overdraft Charge will be charged on the first business day after the account is both: (1) overdrawn for five business days and (2) overdrawn by more than $ The fee will continue to be charged on each business day thereafter until the account is no longer overdrawn by more than $10.00 or is charged off and closed. Overdrafts by Bank service charges or fees can cause Continuous Overdraft Charges. Continuous Overdraft Charges do not apply to business analysis accounts. Personal Account Maximum Daily Overdraft / Returned Item Fee...$ per business day The maximum of combined Overdraft Fees, Returned Item Fees and Continuous Overdraft Charges a personal account may be charged on one business day is $ (Does not apply to business accounts.) Overdraft Protection Fees; Pre-Authorized Overdraft Transfer from a Deposit Account...$10.00 per transfer A $10.00 fee is assessed to the covered checking account for each transfer from a linked checking, money market or savings account to cover a daily overdraft balance. Overdraft Transfer from Personal Line of Credit / Personal Reserve Account...$2.00 per transfer A $2.00 fee is assessed to the covered checking account for each transfer from a personal line of credit or personal reserve account to cover a daily overdraft balance Vers. 7.0 E Member FDIC Equal Housing Lender

7 Treasury Management Fee Schedule Account Maintenance...$15.00 per account Credits Posted...$0.35 each Debits Posted...$0.18 each Deposited Items...$0.10 each ACH Item Posted...$0.14 each Currency Transactions: Cash Deposited/Sold...$0.001 per $1 Rolled Coin Purchased...$0.10 per roll Loose Unsorted Coin Deposited...$20.00 per coin bag Loose Coin Deposited...$10.00 per coin bag 1 (same denomination) Stop Payments: 6 month...$35.00 each 12 months...$45.00 each Online Stop Payments: 6 month...$25.00 each 12 months...unavailable Deposited Items Returned...$10.00 each Charge to Alternate Acct...$15.00 each With Special Instructions...$15.00 each Re-presentment...$2.00 each ACH Items Returned...$6.00 each Returned Unauthorized...$10.00 each Uncollected Funds Usage...Prime % Deposit Assessment...$0.013 per $100 Domestic Wire Transfers Outgoing...$25.00 each Outgoing via Online...$12.00 each Outgoing Internal...$3.00 each Incoming...$15.00 each International Wire Transfers Outgoing...$45.00 each Incoming...$20.00 each CD Rom Check Imaging Setup Fee*...$ one-time Monthly CD...$20.00 monthly Positive Pay Setup Fee*...$80.00 one-time Check Positive Pay....$50.00 monthly/per account Payee Match...$0.035 per item Reverse Positive Pay...$20.00 monthly/per account Positive Pay Direct...$ monthly ACH Positive Pay/Blocks and Filters Monthly Fee...$5.00 per account EDI Reporting Monthly Fee...$5.00 per account Setup Fee*...$50.00 one-time Special Statement Cycle Weekly Statement...$25.00 monthly Monthly Statement...$10.00 monthly Sweep Products Setup Fee*...$80.00 one-time Commercial Sweep...$50.00 monthly DDM Sweep....$25.00 monthly DDM Premium Sweep....$50.00 monthly Line of Credit Sweep....$ monthly Dual Sweep....$ monthly ABL Sweep...$ monthly ABL Dual Sweep....$ monthly ZBA Products Setup Fee*...$ one time ZBA Master....$20.00 monthly ZBA Sub Account...$15.00 monthly Deposit Express - Remote Deposit Capture Setup Fee*...$ each Per Scanner fee...$50.00 monthly Deposit Express - Coupon Capture Coupon Capture...$ monthly Coupon Configuration....Varies 2 Deposit Express Direct Tier 1: items...$ a month Tier 2: items...$ a month Tier 3: 1000 items plus...$ a month Business Online Banking Standard Package...No monthly charge (Up to 5 accounts & 3 users) Premium Package...$25.00 monthly (Up to 15 accounts, unlimited users & up to 2 previous day reports) Corporate Package...$ monthly (Up to 25 accounts, unlimited users & unlimited previous day reports) Additional Accounts or Users....$2.00 each (With above packages) Business Mobile Banking....$5.00 monthly Business Bill Pay...$5.95 monthly Business Bill Pay With Payroll...$15.95 monthly ACH Origination 3 Setup Fee*...$80.00 one-time ACH Validator...$ monthly ACH Direct (SFTP)...$ monthly Batch Fee...$7.50 each Per Item Fee...$.0.14 each Same Day ACH....$2.00 each Wire Origination 4 Setup Fee*...$80.00 one-time Domestic Module Fee...$35.00 monthly Domestic/International Module Fee...$50.00 monthly No Dual Control...$25.00 monthly Data Export Capability BAI Export...$25.00 monthly BAI Direct...$ monthly Money Service Business Due Diligence Fee....$ monthly SafePoint Depository Provisional Credit Fee 5...$ monthly/per location * License and setup fees cannot be offset by earnings credits. 1 A coin bag is defined as: pennies $50, nickles $200, dimes $500, and quarters $500 2 Varies depending on coupon configuration 3 Not available in Standard Online Banking 4 Available in Corporate Online Banking only 5 Additional quoted vendor fees may also apply Please refer to the Bank s Services and Fees Schedule for additional fees that may be assessed against your account Ver E Member FDIC Equal Housing Lender

8 Personal Account Options Neighborhood Account Relationship Account Foundation Account 11 Everything you need in a checking account Earn greater interest while taking advantage of relationship discounts A basic account that can help you establish a financial foothold Monthly Maintenance Fee 1 $5 $20 $3 Waive the Monthly Maintenance Fee 1 Minimum daily balance of $2,500 or 10 debit card transactions or One direct deposit or 62 and older or Military ID on record 2 or Student ID on record 2 Minimum daily balance of $10,000 or Minimum combined balances of $25,000 3 Age 17 and younger 10 Minimum Opening Deposit $25 $25 $25 Additional Benefits Non-CB ATM fees refunded 7 3 complimentary boxes of checks per year 4 $25 annual credit towards a Safe Deposit Box 5 Designed to be a check-free account No Overdraft Coverage Program 12 No overdraft, continuous overdraft or return item fees 12 Interest Earnings On balances above $2,500 Calculated Not applicable Daily Not applicable Paid/Compounded Monthly $3 Paper Statement Fee Waived with enrollment in estatements 8 or 62 and older Not applicable Not applicable ATM Transaction Charges 9 : Columbia Bank ATMs Non-Columbia Bank ATMs No charge $2.50 No charge $2.50 before refund 6 No charge $ Each requirement to waive the monthly maintenance fee must occur within the statement cycle. Debit card transactions and direct deposits must post in the statement cycle to qualify for the monthly maintenance fee waiver. If the balance requirement to waive the monthly maintenance fee is based on a minimum you must maintain that minimum balance each day to avoid the disclosed maintenance fee. 2 Student IDs and Military IDs presented after March 12, 2018 will have the monthly maintenance fee waived for five years from initial date of presentment. 3 Combined balances are calculated using the daily balance of all deposit accounts and outstanding balances on loans as of the business day prior to the last business day in the statement cycle. Includes deposit accounts and loans held at Columbia Bank with similar ownership. Does not include residential mortgage loans. 4 Must be single Columbia Bank style checks. Benefit renews each calendar year. 5 Requires automatic payment from a Relationship Account. Credit is applied as a refund on the next business day. One credit may be applied to one Relationship Account per year. 6 Refunds are processed on the next business day when the fees post to your Relationship Account. All non- Columbia Bank ATM fees will be refunded if assessed by Columbia Bank. 7 Up to $15 in non-columbia Bank ATM surcharges assessed by ATM operators will be refunded per statement cycle. 8 Requires enrollment in Personal Online Banking. Please refer to Online Terms and Conditions for more information. 9 You may be subject to international service charges and surcharges on non-columbia Bank ATM s. 10 Primary signer must be age 17 and younger to qualify for this waiver. 11 This account serves as a second chance for customers who do not meet the Bank s checking account qualification criteria. If after reaching one year of account opening and meet both the following conditions of having 12 or less returned items and 3 or less deposited returned items, you will be allowed to convert to an account of your choice. 12 This account is set to a decline all transaction setting. To help you avoid overdrawing your account, transactions will be declined and returned unpaid when you don t have enough money in your account. If this happens, you will not be charged a bank overdraft or returned item fee, but it is important to note, you may be charged a fee by the merchant for any transaction Columbia Bank declines to pay against your account. Based on how a payment transaction is presented to Columbia Bank and if available balance verification was requested by a merchant, it is possible a payment could be posted to your account resulting in an overdraft situation. However, even though your account is overdrawn, Columbia Bank will not charge you an overdraft or returned item fee or continuous overdraft charge. Please refer to the Services & Fees Schedule insert for additional fees that may be assessed against your account. Accounts must be open to receive refund benefits.

9 Everyday Savings 1 Snowflake Savings 1, 2 Boost Money Market 1 Premier Money Market ColumbiaBank.com All of the esentials you need in one simple savings account...an automated savings option for the holidays. In November, a check will be mailed to you or directly deposited to another Columbia Bank account you have authorized Our basic Money Market with tiered rates Our Premier Money Market with tiered rates and check benefits Monthly Maintenance Fee 3 $3 $0 $10 $15 Waive the Monthly Maintenance Fee 3 Minimum daily balance of $300 or Age 17 and younger 8 or Monthly automatic transfer of $25 or more from another Columbia Bank account Not applicable Minimum daily balance of $1,000 Minimum daily balance of $10,000 or Minimum combined balances of $25,000 4 Minimum Opening Deposit $100 or $5 for age 17 and $20 $1,000 $1,000 younger 8 Check/Debit Charges $1 per debit over three if balance is less than $300 Debits and withdrawals are not permitted except for closure $1 per debit/check over three if balance is less than $1,000 Not applicable Interest Earnings Yes Yes Yes, tiered rates Yes, tiered rates Calculated Daily Daily Daily Daily Paid/Compounded Monthly Monthly Monthly Monthly Paper Statement Fee $3 Waived with enrollment in estatements 5 Waived for age 17 and younger 8 Not applicable $3 Waived with enrollment in estatements 5 $3 Waived with enrollment in estatements 5 ATM Transaction Charges 6 : Columbia Bank ATMs Non-Columbia Bank ATMs No charge $2.50 Not applicable No charge $2.50 No charge $2.50 Additional Benefits 1 complimentary package of checks per year 7 1 During any statement cycle you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer or by check, draft, debit card or similar order to a third party. A $5 charge per withdrawal will be assessed after the sixth withdrawal per statement cycle. If you continue to exceed the number of transfers or withdrawals, your account may be closed or the account type may be changed. 2 In November, your Snowflake Savings check will be mailed to you or directly deposited to your deposit account based on the option you chose at the time of account opening. 3 Each requirement to waive the monthly maintenance fee must occur within the statement cycle. Debit card transactions and direct deposits must post in the statement cycle to qualify for the monthly maintenance fee waiver. If the balance requirement to waive the monthly maintenance fee is based on a minimum you must maintain that minimum balance each day to avoid the disclosed maintenance fee. 4 Combined balances are calculated using the daily balance of all deposit accounts and outstanding balances on E loans as of the business day prior to the last business day in the statement cycle. Includes deposit accounts and loans held at Columbia Bank with similar ownership. Does not include residential mortgage loans. 5 Requires enrollment in Personal Online Banking. Please refer to Online Terms and Conditions for more information. 6 You may be subject to international service charges and surcharges on non-columbia Bank ATM s. 7 Must be single Columbia Bank style checks. Benefit renews each calendar year. 8 Primary signer must be age 17 and younger to qualify for this waiver. Please refer to the Services & Fees Schedule insert for additional fees that may be assessed against your account. Accounts must be open to receive refund benefits. Columbia Bank, Member FDIC Equal Housing Lender VER5.0

10 Business Account Options Account Details Community Non-Profit Checking Business Growth Checking Business Relationship Checking Business Interest Checking Minimum Opening Deposit $100 $100 $100 $100 Monthly Maintenance Fee¹ $0 $10 $25 $20 Requirement to Waive Monthly Maintenance Fee² Not Applicable 10 debit card purchases per month, or $2,500 minimum daily balance Active Merchant Services Account, or $5,000 minimum daily balance, or $15,000 relationship balance Minimum Daily Balance Required $7,500 minimum balance 1, or $15,000 relationship balance Transaction Charges 3 Up to 150 transactions per month First 200 transactions are free each month. $0.35 per transaction after the first 200 First 500 transactions are free each month. $0.35 per transaction after the first 500 First 150 transactions are free each month. $0.35 per transaction after the first 150 Minimum Daily Balance Required to Earn Interest Not Applicable Not Applicable Not Applicable $1,000 ATM Charges: Columbia Bank ATMs All Non-Columbia Bank ATMs No charge $2.50 No charge $2.50 No charge $2.50 No charge $2.50 Cash Deposited Up to $7,500 in cash deposited per month First $7,500 per month is free. $0.20 per $100 after the first $7,500 First $15,000 per month is free. $0.20 per $100 after the first $15,000 First $7,500 per month is free. $0.20 per $100 after the first $7,500 1 If the balance required 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. 2 Active Merchant Account requires merchant deposits or fees from a Columbia Bank Merchant Services account to post to the Business Relationship Checking account within the statement cycle. Relationship Balances are calculated using the daily balance of all deposit accounts and outstanding balances on loans as of the last business day in the statement cycle. Includes deposit accounts and loans held at Columbia Bank under the same name and tax ID. 3 Transactions include deposits, deposited items, checks, withdrawals, ACH credits, and ACH debits.

11 Account Details Business Savings 1 Business Money Trend 1 Premium Business Money Market 1 Minimum Opening Deposit $100 $1,000 $25,000 Monthly Maintenance Fee 2 $3 $10 $20 Minimum Daily Balance Required to Waive $500 $1,000 $25,000 Monthly Maintenance Fee 2 Other Maintenance Fees $1 per debit over three if balance is less than $500 $1 per debit if balance is less than $1,000 Not Applicable Minimum Daily Balance Required to Earn Interest Daily balance earns interest Daily balance earns interest Daily balance earns interest ATM Transaction Fees: Columbia Bank ATMs Non-Columbia Bank ATMs No charge $2.50 No charge $2.50 No charge $2.50 Cash Deposited Not Applicable Not Applicable Not Applicable 1 During any statement cycle you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by check, draft, debit or ATM card, or similar order to a third party. A $5 charge per withdrawal will be assessed after the sixth withdrawal per statement cycle. If you continue to exceed the number of transfers or withdrawals, your account may be closed or the account type may be changed. 2 If the balance required 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. Relationship Balances are calculated using the daily balance of all deposit accounts and outstanding balances on loans as of the last business day in the statement cycle. Includes deposit accounts and loans held at Columbia Bank under the same name and tax ID ColumbiaBank.com E Member FDIC Equal Housing Lender VER.2.0

12 Personal Overdraft Protection Options Overdraft Transfer from a Deposit Account Overdraft Transfer from a Line of Credit 1 Personal Reserve Account 1 Overdraft Coverage Program 2 How do I enroll? Does my coverage include ATM and everyday debit card transactions? Complete the authorization form and return it to your local branch Yes Yes Yes Automatic enrollment for check, ACH and recurring debit card transactions Optional enrollment required for coverage on ATM and everyday debit card transactions You must complete the optional enrollment for coverage on ATM and everyday debit card transactions What fees apply? 3 What is my protection amount? $10 per transfer $2 per transfer $2 per transfer If sufficient funds are not available to transfer, a standard $35 Overdraft Fee or Returned Item Fee will be charged. Continuous Overdraft Charges may apply Up to available account balance Up to available credit limit Up to available credit limit $35 Overdraft Fee if you overdraw your account by more than $10 on one business day. Continuous Overdraft Charges may apply 4 Limit is dynamic and varies based on account activity What are the transfer increments? $50 or balance of account, whichever is less $50 or available credit limit, whichever is less $50 or available credit limit, whichever is less Exact amount of the transactions, plus related fees Which additional overdraft protection options can be added? 5 Any one of the following: Overdraft Transfer from a Line of Credit Personal Reserve Account Overdraft Coverage Program Overdraft Transfer from a Deposit Account Overdraft Transfer from a Deposit Account Overdraft Transfer from a Deposit Account Can I cancel? You may cancel at any time You may change or cancel your enrollment as follows: Cancel all coverage Opt-out or opt-in at any time for coverage for ATM and everyday debit card purchases 1 Subject to eligibility requirements and credit approval. Interest will accrue on amounts advanced and at the interest rate stated in the line of credit or Personal Reserve Account agreement. Lines of credit and Personal Reserve Accounts may be subject to additional charges; see line of credit or Personal Reserve Account agreement for details. 2 The Overdraft Coverage Program is a discretionary service. Columbia Bank is under no obligation to pay items when your account has non-sufficient funds (NSF), even if previous NSF transactions were paid. Columbia Bank reserves the right to require you to pay an overdraft immediately. Columbia Bank typically does not pay overdrafts if your account is not in good standing or you are not making regular deposits. Certain account type(s) are ineligible for the Overdraft Coverage Program. Please see account brochures for more information. 3 If you overdraw your account by more than $10 on one business day, you will be charged a fee of $35 for each check, in person withdrawal or electronic item we pay or return and your account becomes subject to Continuous Overdraft Charges, if applicable. A $5.00 Continuous Overdraft Charge will be charged on the first business day after the account is both: (1) overdrawn for five business days and (2) overdrawn by more than $ The fee will continue to be charged on each business day thereafter until the account is no longer overdrawn by more than $10.00 or is charged off and closed. Overdrafts by Bank service charges or fees can cause Continuous Overdraft Charges. For personal accounts, the maximum of combined Overdraft Fees, Returned Item Fees and Continuous Overdraft Charges an account may be charged in one business day is $180. See Deposit Account Agreement and Services and Fees Schedule for full details. 4 Overdraft fees, including Continuous Overdraft Charges, for overdrafts caused solely by ATM and/or everyday debit card transactions do not apply if you do not authorize coverage for these types of transactions. 5 If you have authorized Overdraft Transfer from a Deposit Account and you are enrolled in the Overdraft Coverage Program, funds from the deposit account you selected will be used first to cover the overdraft. If you have authorized both Overdraft Transfer from a Deposit Account AND Overdraft Transfer from a Line of Credit or Personal Reserve Account, you must specify the order of coverage. See Deposit Account Agreement and Services and Fee Schedule for details. Member FDIC VER. 6.0 E030117

13 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 have standard overdraft practices, which we call our Overdraft Coverage Program, that come with your account. 2. We also offer other overdraft protection plans called Overdraft Transfer from a Deposit Account or Line of Credit* and a Personal Reserve Account**, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans. This notice explains our standard overdraft practices. What are the standard overdraft practices that come with my account? We do authorize and pay overdrafts for the following types of transactions: Checks and other transactions made using your checking account number Automatic bill payments We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below): ATM transactions Everyday 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, and will be subject to a $35.00 Returned Item Fee. What fees will I be charged if Columbia Bank pays my overdraft? Under our standard overdraft practices: If you overdraw your account by more than $10.00 on one business day, you will be charged a fee of $35.00 for each check, inperson withdrawal or electronic item we pay or return, and your account becomes subject to Continuous Overdraft Charges, if applicable. We will not charge you an Overdraft or Returned Item Fee for an overdraft of $10.00 or less. A $5.00 Continuous Overdraft Charge will be charged on the first business day after the account is both: (1) overdrawn for five business days and (2) overdrawn by more than $ The fee will continue to be charged on each business day thereafter until the account is no longer overdrawn by more than $10.00 or is charged off and closed. Overdrafts by Bank service charges or fees can cause Continuous Overdraft Charges. For personal accounts, the maximum of combined Overdraft Fees, Returned Item Fees and Continuous Overdraft Charges an account may be charged on one business day is $ (Does not apply to business accounts.) What if I want Columbia Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions? If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, please do one of the following: 1. Call your local branch or our Customer Care Center at Complete the form below and provide it to your local branch or mail it to: Columbia Bank PO Box 2156 MS: 6915 Tacoma, WA Note: You may change your election at any time by visiting or contacting your branch or mail at the number or address provided above. *Certain options are subject to credit approval. **Subject to credit approval. I do not want Columbia Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions. I want Columbia Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions. Printed Name: Account Number: Signature: Customer Copy Date: Version 7.0 E REGE

14 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 have standard overdraft practices, which we call our Overdraft Coverage Program, that come with your account. 2. We also offer other overdraft protection plans called Overdraft Transfer from a Deposit Account or Line of Credit* and a Personal Reserve Account**, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans. This notice explains our standard overdraft practices. What are the standard overdraft practices that come with my account? We do authorize and pay overdrafts for the following types of transactions: Checks and other transactions made using your checking account number Automatic bill payments We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below): ATM transactions Everyday 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, and will be subject to a $35.00 Returned Item Fee. What fees will I be charged if Columbia Bank pays my overdraft? Under our standard overdraft practices: If you overdraw your account by more than $10.00 on one business day, you will be charged a fee of $35.00 for each check, inperson withdrawal or electronic item we pay or return, and your account becomes subject to Continuous Overdraft Charges, if applicable. We will not charge you an Overdraft or Returned Item Fee for an overdraft of $10.00 or less. A $5.00 Continuous Overdraft Charge will be charged on the first business day after the account is both: (1) overdrawn for five business days and (2) overdrawn by more than $ The fee will continue to be charged on each business day thereafter until the account is no longer overdrawn by more than $10.00 or is charged off and closed. Overdrafts by Bank service charges or fees can cause Continuous Overdraft Charges. For personal accounts, the maximum of combined Overdraft Fees, Returned Item Fees and Continuous Overdraft Charges an account may be charged on one business day is $ (Does not apply to business accounts.) What if I want Columbia Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions? If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, please do one of the following: 1. Call your local branch or our Customer Care Center at Complete the form below and provide it to your local branch or mail it to: Columbia Bank PO Box 2156 MS: 6915 Tacoma, WA Note: You may change your election at any time by visiting or contacting your branch or mail at the number or address provided above. *Certain options are subject to credit approval. **Subject to credit approval. I do not want Columbia Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions. I want Columbia Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions. Printed Name: Account Number: Signature: Bank Copy Date: Version 7.0 E REGE

15 Guide to Accounts and Services This guide contains important details regarding the transition of your accounts and services to Columbia Bank on March 12, 2018.

16 Online and Mobile Access to Your Accounts BUSINESS ACCOUNTS Businesses With Additional Services (PCB Online Banking Plus) If your business uses the following additional services, you will access your accounts through Columbia s Business Online Banking system: ACH Origination Wire Origination Positive Pay Business Bill Pay Has more than one online banking user for the same business online banking relationship You will receive a new User ID, Organization ID and Temporary Password in the mail. You need your user ID, organization ID and temporary password to access Business Online Banking for the first time as of March 12, You will not need separate login credentials to access Business Bill Pay. Call us at if you don t receive your credentials by February 26, User and Organization ID Temporary Password PERSONAL ACCOUNTS You will access your accounts through the Columbia Connect online banking system. Your user ID will remain the same We will use the phone number on file to send you a Secure Authentication Code during your first login. Please make sure we have the correct phone number in Online Banking prior to March 1, 2018 to ensure immediate access to your accounts First-time login instructions will be mailed to you prior to March 12, 2018 and will also be available at First-time Login Instructions Businesses Without Additional Services If your business does not use additional services, you will access your accounts through the Columbia Connect online banking system. Your user ID will remain the same We will use the phone number on file to send you a Secure Authentication Code during your first login. Please make sure we have the correct phone number in Online Banking prior to March 1, 2018 to ensure immediate access to your accounts First-time login instructions will be mailed to you prior to March 12, 2018 and will also be available at First-time Login Instructions 2 3

17 Table of Contents Transition Checklist... 6 Service Interruptions... 8 A Message from the President Executive Officers Questions and Answers Account Information Loans & Lines of Credit Personal Online and Businesses without Additional Services Personal Bill Pay Mobile Banking VISA Debit Cards ATM Overdraft Protection Online Banking for Businesses with Additional Services Business Bill Pay Domestic/International Wire Services & ACH Services Positive Pay EDI Remittance Deposit Plus - Remote Deposit Lockbox Services Merchant Services Business Mastercard Credit Cards CD Rom Safe Deposit Box Telephone Banking SMS Text Banking Personal Account Transition Charts Business Account Transition Charts Nonprofit and Healthcare Account Transition Charts Support Service Hours...Back Cover 4 5

18 Transition Checklist This list of items is designed to help ensure you are prepared for the transition. All clients We recommend you complete these items prior to the transition. Add the Customer Care contact information to your phone Add to your phone contacts for fast access to Columbia Bank s Telephone Banking system. You will have access to Columbia s Telephone Banking system as of 8:00 a.m. on March 12, More information on page 36. Print copies of checks you want to keep Images of checks that have cleared prior to March 12, 2018 will not be available in online banking systems. Print previous statements 24 months of previous statements will be available in Columbia Connect online banking after the transition. 18 months of previous statements will be available in Business Online Banking after the transition. Note any automatic transfers set up in Online Banking Recurring transfers that you initiated in Online Banking will not transition to Columbia s online banking systems. Be sure to retain a copy of those transfers so you can set them up in Columbia Bank systems as of March 12, Review account transition charts Review the features of your new Columbia Bank accounts. If you are not satisfied with your new account, please speak with your branch to review alternatives and refer to the enclosed personal and business account chart flyers. More information begins on pages 37, 43 and 51. Save the new routing number for incoming wires. Beginning March 12, 2018, incoming wires will need to be received using the routing number. Verify and update your phone number in Online Banking. Verify and update your Secure Access Code targets in your current online banking system. You can do this by logging into your online banking, going to Settings then Security Preferences and then Secure Delivery. Businesses with additional services (PCB Online Banking Plus) If your business uses the following additional services, we recommend you complete these items prior to the transition: ACH Origination Has more than one online banking Wire Origination user for the same business online Positive Pay banking relationship Business Bill Pay Add the Treasury Management Services contact information to your phone treasurymanagementservices@columbiabank.com Call Treasury Management Services at if you have not received your Business Online Banking user ID, organization ID or temporary password by February 26, Read the Business Online Banking and Bill Pay first-time login instructions. First-time login instructions will be mailed with your Business Online Banking login credentials. They will also be available in the Conversion Center at Save the user ID and password cards for Business Online Banking. You will receive separate cards for user IDs and passwords in the mail prior to February 20, Recreate ACH databases You will need to recreate your ACH transactions in Columbia s Business Online Banking system. We strongly encourage you to complete this task prior to March 9, Please refer to the ACH services questions beginning on page 26. Create new wire templates Your current wire templates will not transition. You will need to prepare new templates in Columbia s Business Online Banking system. We encourage you to do this prior to March 9, More information beginning on page 26. Verify accounts in Business Online Banking Check to ensure that all of the accounts you expect to see are available in Columbia s Business Online Banking. We encourage all Business Online Banking and Treasury Management customers to check prior to March 12,

19 Service Interruptions The following interruptions affect your existing Pacific Continental Bank services. Online Banking and Online Banking Plus Pacific Continental Bank online banking systems will not be available during the transition weekend. Friday, 3/9/18 5:00 p.m. Online banking systems become unavailable Monday, 3/12/18 8:00 a.m. Begin using Columbia s online banking systems. Follow the first-time login instructions we mailed to you Bill Pay and Advanced Bill Pay Bill pay systems will not be available starting Thursday, March 8, 2018, at 2:00 p.m. However, any payments you previously scheduled to occur on Friday, March 9, 2018 will be processed as usual. Thursday, 3/8/18 2:00 p.m. Bill Pay systems become unavailable Monday, 3/12/18 8:00 a.m. Begin using Columbia s Bill Pay systems X-Press Phone Banking The current 24-hour automated telephone banking system ( ) will not be accessible during the transition weekend. Friday, 3/9/18 5:00 p.m. X-Press Phone Banking becomes unavailable Monday, 3/12/18 8:00 a.m. Begin using Columbia s Telephone Banking at Deposit Plus Remote Deposit Your current Deposit Plus Remote Deposit system will not be available during transition weekend. Friday, 3/9/18 6:00 p.m. Your final deposits must be received Monday, 3/12/18 8:00 a.m. Begin using Columbia s Deposit Express remote deposit capture system. The deposit cutoff time for same day credit is 7:00 p.m. Pacific Time ACH Origination Friday, 3/9/18 5:00 p.m. Monday, 3/12/18 8:00 a.m. Lockbox Services Friday, 3/9/18 5:00 p.m. Monday, 3/12/18 8:00 a.m. Your final ACH batches must be released. Only ACH items with an effective date of 3/12/18 or prior should be sent using your current online banking system Begin using Columbia s online banking systems for ACH items with an effective date of 3/13/18 or later. The new ACH cutoff time is 4:00 p.m. Pacific Time Lockbox services will become unavailable Begin accessing Lockbox services at and selecting Lockbox Services from the online banking login box 8 9

20 Letter from Hadley Robbins President & CEO, Columbia Bank & Columbia Banking System, Inc. Executive Officers It is my pleasure to welcome you to the Columbia Bank family as we prepare for the transition of your accounts and services to those offered by Columbia Bank. Beginning March 12, 2018, you will benefit from access to our full suite of services, including comprehensive financial planning tools, diverse business loan products and broader treasury management solutions. With locations in more than 150 neighborhoods throughout the Northwest, a Columbia Bank branch or ATM will always be around the corner. In addition to these new conveniences, the bankers who know you and your business will continue to provide you with the expertise you need to assist you in accomplishing your goals. Hadley S. Robbins President and Chief Executive Officer Kumi Yamamoto Baruffi Executive Vice President, General Counsel Dave C. Lawson Executive Vice President, Human Resources Director We remain committed to each of the communities we serve. As a community bank, we strive to make meaningful contributions by partnering with organizations committed to supporting the needs of the Northwest. Our employees are actively engaged with a variety of local organizations, giving their time and talent in service of our community. The cornerstone of Columbia s philosophy includes a local, friendly approach to doing business, coupled with all the modern conveniences. And even though we offer the sophisticated services you ll find at a national bank, we never lose sight of what our business is really about: helping our clients achieve their financial objectives for their businesses and in their personal lives. Andy L. McDonald Executive Vice President, Chief Credit Officer Clint E. Stein Executive Vice President, Chief Operating Officer Clint E. Stein Executive Vice President, Chief Financial Officer On behalf of everyone at Columbia Bank, thank you for giving us the opportunity to serve your banking needs. Sincerely, Hadley S. Robbins President & Chief Executive Officer 10 11

21 Questions and Answers = Applies to Personal accounts = Applies to Business accounts General When will the transition to Columbia Bank accounts and services occur? The transition is scheduled for the weekend of March 9, However, the changes to your accounts and services will not be noticeable until Monday, March 12, Will the business hours at my branch change? All branches will retain the same hours of operation after the transition. However, there are some branches that will be consolidating due to the close proximity of Columbia Bank and former Pacific Continental Bank branches. The following is a list of consolidations and timelines: The former Pacific Continental Bank Fox Tower branch at 805 SW Broadway, Suite 780 in Portland will close Friday, March 9, 2018 at 3:00 p.m. Accounts will be transferred to the Columbia Bank Portland Broadway branch at 1000 SW Broadway. The Columbia Bank Eugene West branch at 874 Seneca Road will close Friday, March 9, 2018 at 3:00 p.m. Accounts will be transferred to the former Pacific Continental Bank West 11th branch at 2400 West 11th Avenue in Eugene. The Columbia Bank Eugene North branch at 1005 Green Acres Road will close Friday, March 9, 2018 at 3:00 p.m. Accounts will be transferred to the former Pacific Continental Bank Olive branch at 111 West 7th Avenue in Eugene. Will the Bank s toll-free number remain the same? Toll-free numbers will change as of March 12, Please review the list on the back cover of this guide for important contact information or visit the contact us page at Will any of my current services be unavailable during the transition weekend? We have worked to minimize the impact to your services throughout the transition. However, a small number of systems will experience reduced functionality or will be unavailable for periods of time throughout transition weekend. For a list of service interruptions, please see page 8. When will call center support be available? For a complete list of call centers and their operating hours, please refer to the back cover of this guide. Who can I contact for help throughout the transition? A number of resources are available to assist you throughout the transition. Please refer to the list on the back cover for contact information. Account Information Will my account number change? No, account numbers will not change over transition weekend unless you were previously notified in October, The Columbia Bank Beaverton branch at 3600 SW Cedar Hills Boulevard will close Friday, March 9, 2018 at 3:00 p.m. Accounts will be transferred to the former Pacific Continental Bank Beaverton branch at SW 1st Street. The Columbia Bank MLK & Main branch at 1234 SE Martin Luther King Jr. Blvd in Portland will close on Friday, March 23, 2018 at 3:00 p.m. All accounts will be transferred to the former Pacific Continental Bank Portland Convention Center branch at 717 NE Grand Ave in Portland. The Columbia Bank Vancouver Main branch at 500 E Broadway will close on Friday, March 23, 2018 at 3:00 p.m. All accounts will be transferred to the former Pacific Continental Bank Vancouver Downtown branch at 101 E 6th Street, Suite 100. This branch will extend hours to Monday Thursday from 9:00 a.m. 5:00 p.m. and Friday from 9:00 a.m. 6:00 p.m. Will the phone number of my branch remain the same? All branch phone numbers will remain the same and consolidated branch phone numbers will automatically forward to the new branch. Will my routing number change? Yes, your routing number will change to on March 12, However, items with the former Pacific Continental Bank routing number will continue to be routed and processed correctly. After the transition, can I still use my Pacific Continental Bank, Century Bank, Capital Pacific Bank or Foundation Bank checks? You may continue using Pacific Continental Bank checks until they run out. You will then need to order Columbia Bank checks. For Century Bank, Capital Pacific Bank or Foundation Bank checks, unless you were contacted in October to order new checks, you may continue to use your current supply of checks until they run out. You will then need to order Columbia Bank checks. Will the features of my account remain the same? Some of the features of your account will change. To review the details of your new Columbia Bank account, please read the Account Transition Charts that begin on pages 37, 43 and

22 Questions and Answers = Applies to Personal accounts = Applies to Business accounts Will fees change? While some fees have already changed to reflect those offered at Columbia Bank, additional fees will change as of March 12, Please review the Account Transition Charts beginning on pages 37, 43 and 51, as well as the Services and Fees Schedule enclosed with this mailing for a detailed list. Will my statement date change? You will receive a final statement for your Pacific Continental Bank accounts ending on March 9, You new statement dates will be as follows: Personal Checking statements Personal Savings statements Business Checking statements Business Savings statements 20th of each month 25th of each quarter-end Month-end 25th of each quarter-end (March, June, September, December) or monthly if there is activity. Will the information on my statement change? Although the appearance of your statement will change, the account detail and content will remain the same. Will my branch still be able to provide my transaction history and print copies of checks that were processed prior to March 12, 2018? Yes, your branch will still be able to provide transaction history and print copies of checks processed prior to March 12, Will my automatic transfers between accounts continue? Online Banking Transfers: If your automatic transfers were created using the current online banking systems, they will not continue. You may re-establish your transfers through Columbia s online banking systems as of 8:00 a.m. on Monday, March 12, Be sure to make notes regarding the details of these transfers prior to the transition so you can set them up in the new systems. Branch Transfers: All automatic withdrawal and deposit functions between your accounts that were initiated through your branch and were not created through the online banking systems will continue without interruption. If you need to change or delete a recurring transfer that was set up at a branch, you may contact your local branch or any of our customer care centers. Will my automatic payments and direct deposits continue? Yes, all automatic payments and direct deposits will continue to be received and processed as usual. Will my CD change? Your CD will continue with its current term and rate until maturity. You will receive a notice regarding any changes to your CD prior to renewal. I already had accounts with Columbia Bank prior to the merger. With my Pacific Continental Bank accounts, my deposit totals will be more than $250, Will I still be covered by FDIC Insurance? Your transferred deposits were separately insured from any accounts you already had at Columbia Bank for at least six months after the date of the merger (Wednesday, November 1, 2017). This grace period gave you a chance to restructure your accounts, if necessary, to make sure you have 100% FDIC coverage. Time Deposits (CDs) transferred to Columbia Bank are separately insured until the earliest maturity date after the end of the six-month grace period. Time Deposits (CDs) that matured during the six-month grace period and were 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) matured during the six-month grace period and was renewed on any other basis, it was separately insured only until the end of the six-month grace period. Loans & Lines of Credit Will my existing loan or line of credit account number and information change? No, your loan or line of credit number and information will remain the same. A limited number of clients will have a change in their loan account numbers. Those affected will receive a seperate notification. Will the terms of my loan or line of credit change? No, the terms of most loans or lines of credit will remain the same. A small number of Balance Plus accounts will have a change in loan terms. Those clients affected will receive seperate communications detailing the changes to their accounts. Will my automatic loan payments continue without interruption? Automatic payments from your former Pacific Continental Bank deposit account to your loan account will continue without interruption if they were not established in an online banking system. Automatic payments from external accounts to your Pacific Continental Bank loan account should continue without interruption

23 Questions and Answers = Applies to Personal accounts = Applies to Business accounts Will my loan or line of credit account statement change? Although the appearance of your statement will change, the account details and content will be similar. Clients with auto-pay will no longer receive a loan payment notice. The following accounts will change from being due 21 days after the statement is cut to 25 days after: Balance Plus Business Balance Plus Home Equity Line of Credit Professional Line of Credit Will my loan payments be applied to my account in the same manner? Some clients may see a change in how thier payments are applied. Columbia Bank applies payments in the following order: interest, principal, escrow, late fees and other fees/charges. How do I apply for a loan? Visit your local branch, contact your banker or visit Personal Online Banking and Businesses Without Additional Services Will my Online Banking login information change? No, you will continue to use your current user ID and password for your first login, at which time you will be prompted to establish a new password. How will I access my new online banking? As of 8:00 a.m. on Monday, March 12, 2018, you may access the Columbia Connect online banking system from the online banking box in the upper left corner of our home page at Please be sure Columbia Connect is selected from the drop-down box. First-time login instructions will be mailed to you and will also be available at What accounts will I be able to view in Columbia Connect? The accounts that you see today in Online Banking will be available for viewing after the transition. In limited circumstances, some accounts may not be displayed. You will be contacted prior to the transition with alternatives. Will I see my previous transaction history in Columbia Connect? Yes, 90 days of transaction history will be available for viewing within Columbia Connect. Will I be able to view my previous online statements in Columbia Connect? Yes, 24 months of statements will be available. Will I be able to view images of my paid checks in Columbia Connect? Images of checks that cleared your account prior to March 12, 2018 will not be available for viewing. If you would like to retain a copy of a check that cleared your account prior to that date, you may wish to print it out prior to the transition weekend. All images of checks that clear your account as of March 12, 2018, will be available for viewing for 12 months. You may also contact your local branch or the Customer Care Center for images from the past seven years. Will automatic transfers I set up in Online Banking convert to Columbia Connect? No, you will need to re-establish these transfers through Columbia Connect as of March 12, We recommend making notes regarding the details of these transfers so you can set them up in the new system. Will external transfers setup in Online Banking convert to Columbia Connect? No, if you are utilizing external transfers, you will need to enroll in Columbia s Bill Pay in order to continue using this feature. These transfers will need to be re-established in the Bill Pay system. Will I still be able to use Quicken/QuickBooks with Columbia Connect? Yes, Quicken and QuickBooks are available for use with Columbia Connect. We recommend that you download your most recent activity prior to 5:00 p.m. on Friday, March 9, This will ensure your activity is up-to-date prior to the start of the transition. There are a few steps necessary to connect your Quicken/QuickBooks to the Columbia Connect online banking system after the conversion is complete. Instructions will be available in the Conversion Center at Will I continue to receive online statements? Although viewing of statements is available to all Columbia Connect users, if you are currently enrolled in online statements today, you will need to re-enroll from within Columbia Connect or you will begin receiving paper statements in the mail. Please refer to the first-time login instructions for steps to enroll in estatements. Will my account alerts remain? No, you will need to re-establish your alerts. Please visit the Conversion Center at for instructions on how to set up alerts. Will my account nicknames remain? Yes, account nicknames you have established will appear in the new system

24 Questions and Answers = Applies to Personal accounts = Applies to Business accounts Personal Bill Pay Will my Bill Pay information transition to Columbia s Bill Pay system? All payees and scheduled payments will transfer to Columbia s Personal Bill Pay. ebills will not transfer and will need to be re-established beginning March 12, How will I log into Personal Bill Pay? Once you have logged into Columbia Connect, select the Pay Bills tab from the menu on the left side of the page. You will automatically be logged into the Personal Bill Pay system. Will my payee list convert to Columbia s Personal Bill Pay? Yes, your payee list will be converted automatically. I have recurring payments scheduled. Will these payments be transferred to Columbia s Personal Bill Pay system automatically? Yes, your recurring payments will be converted automatically, however, we encourage you to confirm recurring payments to ensure accuracy. Will my bill payments still be withdrawn from my account in the same manner they are today? Columbia s Personal Bill Pay system uses both electronic and paper check payment methods. If your bill payment is being made electronically, the funds are taken from your account on the date you scheduled the bill payment to be completed. If your bill payment is being made by paper check, the check will be mailed to the recipient 2-3 days prior to the date you scheduled the bill payment to be completed in order to ensure the recipient receives the check by the specified date. For paper check payments, the funds will be removed from your account on the date the check clears your account. Will my bill payment history transition to Columbia s Personal Bill Pay system? No, bill payment history will not transition. Completed bill payments can be viewed on your monthly checking account statements. What devices does Columbia s mobile banking work with? You may access Columbia Connect using any smartphone with web access or SMS capabilities. There are also Columbia Bank apps available for iphone, ipad, and mobile phone or tablet for Android. iphone and ipad are trademarks of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google Inc. Does Columbia Bank offer mobile deposit? Yes, if you download the Columbia Bank app after March 12, 2018 and are over 18 years of age, you will automatically be granted access to mobile deposit with enrollment in Columbia Connect. Will mobile deposit cutoff times for same day credit change? No, the mobile deposit cutoff time will remain at 6:00 p.m. Pacific Time. Will mobile deposit limits remain the same? The standard daily limit will remain the same. Where can I find more information about Columbia Connect? Please visit VISA Debit Cards Will my VISA Debit Card still work? Yes, all Pacific Continental Bank VISA debit cards will continue to work with your existing Personal Identification Number (PIN) without interruption. Sometime following the transition, we will reissue you a new debit card. Your new card will come with instructions on how to activate the card and will provide you with the date your current card will be de-activated. When you call to activate your new card, you will be prompted to choose a new PIN. If you wish to continue using your old PIN, you simply need to enter it when prompted. Does Columbia Bank charge a fee for international transactions? No, Columbia Bank does not charge any additional International Assessment fees however, the 1% fee charged by VISA does still apply. Will automatic payments and transfers linked to my current VISA Mobile Banking debit card continue? All automatic payments and transfers linked to your Pacific Continental Bank VISA debit card will continue without interruption. Once you receive the new Columbia Can I still use the Columbia Bank PCB mobile app on my phone? Bank debit card, service providers will need to be contacted regarding the new card No, you should remove the Columbia Bank - PCB mobile app from your phone on number and expiration date. Saturday, March 10, Beginning Monday, March 12, 2018, you can download the Columbia Bank mobile app. Your first time login may be completed using the app on your mobile device or by visiting on your computer

25 Questions and Answers = Applies to Personal accounts = Applies to Business accounts Will the daily limits on my VISA debit card change? Yes, as of March 12, 2018, VISA debit card daily limits will be: $600 at an ATM $1,000 for PIN-based transactions $3,000 for VISA personal debit card signature-based transactions $5,000 for VISA business debit card signature-based transactions Peer to Peer (P2P) dollar and frequency limits are as follows: $3,000 or available balance, whichever is less, per transaction $3,000 or available balance, whichever is less, per day $15,000 per week 10 transactions per day P2P limits apply separately when transactions are processed as credit or debit. At what time of day will the daily limit on my ATM or VISA debit card reset? Your daily limit will reset at 12:00 a.m. Pacific Time each morning. ATM Will ATM fees change? Some ATM fees may change. Please refer to the Account Transition Charts and Services and Fees Schedule enclosed with this mailing. Will I still have access to the MoneyPass Surcharge-Free ATM Network? No, access to MoneyPass will discontinue as of March 9, You will however, enjoy free access to Columbia s network of ATMs throughout Oregon, Washington and Idaho. Visit to find the ATM nearest you. Will I be able to make deposits at ATMs? Yes, you will be able to make deposits using your Pacific Continental Bank ATM or debit card at any Columbia Bank ATM that accepts deposits. Overdraft Protection Will I continue to have overdraft protection from my deposit account or line of credit? Yes, if you currently have overdraft protection from a deposit account or a line of credit, you will continue to enjoy this service at Columbia Bank. When an overdraft transfer occurs, the transfer fee will be assessed to the account that the funds are being transferred to. What other overdraft protection options will I receive? Beginning March 12, 2018, if your account is not enrolled in overdraft protection from a line of credit, your account will automatically be enrolled in Columbia s Overdraft Coverage Program for checks and ACH. The Overdraft Coverage Program is designed to cover items that would otherwise have been returned for insufficient funds. Personal Clients Please refer to the Personal Overdraft Protection Options sheet enclosed with this mailing for more information and to review all available options. Business Clients Please contact your branch to discuss additional overdraft protection options for your business account. Will I have access to overdraft protection for everyday debit card and ATM transactions? Personal Clients Yes, Columbia Bank offers this service. To enroll, please sign and return the form titled What you need to know about Overdrafts and Overdraft Fees enclosed with this mailing. Business Clients The Overdraft Coverage Program automatically covers these transactions for business customers. You do not need to take any action for this coverage. Will I see my Overdraft Coverage Program funds in my available balance when I check my balance at the ATM, in online banking or in mobile banking? No, you will not see the Overdraft Coverage Program balance at the ATM, in online banking or in mobile banking

26 Questions and Answers = Applies to Personal accounts = Applies to Business accounts Online Banking for Businesses with Additional Services (PCB Online Banking Plus) Attend one of several live WebEx sessions. Detailed information on dates and times will be ed to you. For more information, please contact Treasury Management Services at If your business uses the following additional services, you will access your accounts through Columbia s Business Online Banking system: ACH Origination Positive Pay Wire Origination Business Bill Pay Has more than one online banking user for the same business online banking relationship Will my Online Banking Plus login information change? Yes, if you have logged into Online Banking Plus within the past six months, your online banking information will be transferred to Columbia s Business Online Banking system. You will receive a user ID, organization ID and temporary password in two separate mailings prior to February 20, You will need the user ID, organization ID and temporary password to log into Business Online Banking for the first time. If you have not received your user ID, organization ID or your temporary password by February 26, 2018, please contact the Treasury Management Services team at How will I access my new Business Online Banking? As of 8:00 a.m. on Monday, March 12, 2018, you may access Columbia s Business Online Banking from the Online Banking box in the upper left corner of our home page at Please be sure to select business from the drop-down box. Your login credentials will be mailed to you in two separate mailings beginning the week of February 5, Once you have received your organization ID, user ID and temporary password, you may log into Business Online Banking to become familiar with the new system. You will not see balances or transactions until March 12, 2018, when the conversion is complete. If you have not received all credentials by February 26, 2018, please contact your Treasury Management Services team at What opportunities will I have to learn the Business Online Banking system? There are several options for learning the new system. You can: Watch a pre-recorded WebEx. These will be available after February 1, 2018 in the Conversion Center at Visit the Conversion Center at for a library of online banking user guides in the Treasury Management section. Will current administrators in Online Banking Plus need to setup their users in Columbia s Business Online Banking? No, all users that currently have access in Online Banking Plus will transfer over to Business Online Banking and will have the same access. Once each user receives their organization ID, user ID and temporary password in the mail, we encourage them to login and verify their access, accounts and the user setup. You will not see balances or transactions in Columbia s Business Online Banking until March 12, If your access, accounts or user information is incorrect or you have any questions about navigating the system, please contact your Treasury Management Services team at Will current administrators in Online Banking Plus still be able to add or change user access in Columbia s Business Online Banking? For added safety and security of your accounts and services, the Treasury Management Services team will assist you in adding new user access. You will still be able to edit existing user access, which includes changing account access, clearing or changing passwords, and locking or unlocking users. You can reach your Treasury Management Services team by calling How do I request a change to my Business Online Banking services? Making changes to your services such as adding users or accounts is easy. Simply call your Treasury Management Services team and they will walk you through the process. In most cases, it will be a simple form to sign and return to the Treasury Management Services team and they will do the rest. You can reach Treasury Management Services by calling Will I still enjoy access to online statements in Business Online Banking? Yes, 18 months of statements will be available for viewing in Business Online Banking. This will include checking, savings and analysis statements. The most recent 18 months of statements will always be available. Although statements are available for viewing online, if you are also receiving paper statements, they will continue to be mailed to the mailing address on your account. Will I see my previous transaction history in Business Online Banking? Transaction history will begin accruing as of March 12, As transactions increase, 90 days of rolling history will be available