Advantage Plus Checking is a non-interest bearing checking account with a daily minimum balance requirement of $500. The minimum to open this account is $0.01. (1) To receive your subscription bonus, the account must still be opened and in good standing at the time the bank is ready to rebate the funds at the end of the statement cycle up to 12 months. Subscription must not exceed $13.99 per month. Available subscription selections may change at any time at the discretion of Columbia Bank. See branch for available subscriptions. You may select only one subscription service to be rebated, once a month, for up to twelve consecutive months. Columbia will not issue rebates less than $4.99 or more than $13.99. You will be notified at least 30 days in advance of the last rebate to be credited. Columbia Bank is not liable if you do not receive our notification. The value of the subscription bonus may be reported to the IRS and a 1099-INT will be issued. (2) Once enrolled in Columbia Bank’s UChoose Rewards Program, you begin earning points that can be redeemed for cash back. For details, ask any branch representative or call 800-522-4167. (3) This account provides for a waiver of up to ten (10) ATM surcharge fees or $30, whichever is less, for each statement cycle when you use your Columbia Bank Visa® Debit Card at domestic ATMs not owned or operated by us and the owner of such ATMs adds a surcharge to your transaction. The refund of such surcharge fees will appear on your statement as a “credit.” The maximum rebate per 12 month statement cycle period is $360. (4) Enrolled iPhone users are eligible to make payments by linking their smartphone through a free “Apple Pay” application. Apple, the Apple logo, Apple Pay, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. There is no charge from Columbia Bank, but message and data rates may apply from your mobile phone provider. (5) If the account balance falls below the $500 minimum at any time, a monthly service charge of $9.00 is charged. Consumers under the age of 23 are not subject to the daily minimum balance requirement. (6) Ask any representative for Special Home Saver Certificate of Deposit (CD) Details. Additional account features and disclosures will be provided at account opening. This offer may be withdrawn or modified at any time.

*Important Note About Securities and Insurance Products: Cetera Investment Services registered office: 25-00 Broadway, Fair Lawn, NJ. Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Columbia Bank is not affiliated with Cetera Investment Services LLC, Cetera Investment Advisers LLC, or Columbia Financial Services. Columbia Financial Services is a marketing name for Cetera Investment Services, LLC. 25-00 Broadway, Fair Lawn, NJ 07410. (800) 624-0999.

Investments are: • Not FDIC insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency.