Personal Account Transition Charts 29
Just Right Checking, Just Right Checking+, or High Yield Checking Neighborhood Checking $5 Monthly maintenance fee. Waived with one of the following 1 : - Minimum daily balance of $2,500-10 debit card transactions - One direct deposit - Student ID on record 2 estatements 5 or when the Temporary Waiver of Fees: The monthly maintenance fee and paper fee associated with this account will be waived through June 2015. This waiver period will allow you the opportunity to understand the requirements to waive those fees on your new account. If your current account is: Just Right Checking, Just Right Checking+, or High Yield Checking and you re at least 62 years old as of 5/18/2015 Prime Checking No monthly maintenance fee 2 complimentary packages of checks per year 6 $5 annual credit toward a Safe Deposit box 7 30
Health Savings Account Health Savings Account $2.50 monthly maintenance fee. Waived with a $2,500 minimum daily balance 9 Interest earnings are calculated daily and paid/compounded monthly $500 minimum daily balance to Temporary Waiver of Fees: The monthly maintenance fee associated with this account will be waived through June 2015. This waiver period will allow you the opportunity to understand the requirements to waive that fee on your new account. If your current account is: Medical Savings Account Medical Savings Account $5 monthly maintenance fee. Waived with a $200 minimum daily balance 9 Interest earnings are calculated daily and paid/compounded monthly $500 minimum daily balance to Temporary Waiver of Fees: The monthly maintenance fee associated with this account will be waived through June 2015. This waiver period will allow you the opportunity to understand the requirements to waive that fee on your new account. 31
Community Savings, Minor/Senior Savings, or Home Start Savings Everyday Savings 8 $3 monthly maintenance fee. Waived with one of the following: - $300 daily minimum balance 9 - monthly automatic transfer of $25 or more from another Columbia Bank account No monthly maintenance fee or paper fee for minors age 17 years or younger $1 charge for each debit after the first three if balance is less than $300 Interest earnings are calculated daily and paid/compounded monthly No minimum daily balance required to estatements 5 or when the Temporary Waiver of Fees: The monthly maintenance fee and paper fee associated with this account will be waived through May 2015. This waiver period will allow you the opportunity to understand the minimum requirements of your new account. 32
High Yield Money Market Premier Money Market 8 $15 monthly maintenance fee. Waived with one of the following: - $10,000 daily minimum balance 9 - minimum combined balances of $25,000 10 Tiered interest earnings are calculated daily and paid/compounded monthly No minimum daily balance required to estatements 5 or when the 1 complimentary package of checks per year 6. Temporary Waiver of Fees: The monthly maintenance fee and paper fee associated with this account will be waived through June 2015. This waiver period will allow you the opportunity to understand the requirements to waive those fees on your new account. 33
Money Market Boost Money Market 8 $10 monthly maintenance fee. Waived with a $1,000 daily minimum balance 9 $1 charge for each debit/check after the first three if balance is less than $1,000 Tiered interest earnings are calculated daily and paid/compounded monthly No minimum daily balance required to estatements 5 or when the Temporary Waiver of Fees: The monthly maintenance fee and paper fee associated with this account will be waived through June 2015. This waiver period will allow you the opportunity to understand the requirements to waive those fees on your new account. 34
Personal Account Disclosures 1. Each requirement to waive the monthly maintenance fee must occur within the cycle. Debit card transactions and direct deposits must post in the 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 ID will be maintained on record for 12 months. After 12 months, you must present your ID again to continue to qualify to waive the maintenance fee. 3. You may be subject to international service charges and surcharges on non- Columbia Bank ATMs. 4. Please refer to our Online Terms and Conditions for information regarding Online Banking, Bill Pay, and Mobile Banking 5. Requires enrollment in Personal Online Banking. Please refer to our Online Terms and Conditions for more information. 6. Must be single Columbia Bank style checks. Benefit renews each calendar year. 7. Requires automatic payment from a Prime Checking ($5 credit) or Relationship Checking ($25 credit) account. Credit is applied as a refund on the next business day. One credit may be applied to one Prime or Relationship Checking account per year. 8. During any 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 cycle. If you continue to exceed the number of transfers or withdrawals, your account may be closed or the account type may be changed. 9. If the balance requirement to avoid the monthly maintenance fee is based on a minimum, you must maintain that minimum balance each day to avoid the disclosed maintenance fee. 10. 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 cycle. Includes deposit accounts and loans held at Columbia Bank with similar ownership. Does not include residential mortgage loans. Please refer to the Services and Fees Schedule enclosed with this mailing for additional fees that may be assessed against your account. Accounts must be open to receive refund benefits. 35