1. This Agreement, for accessing your Columbia Bank accounts through our Online Banking service, explains the terms and conditions governing our Online Banking. Please read this Agreement carefully. By enrolling, electronically or otherwise, and by using Online Banking, you agree to be bound by the terms and conditions of this Agreement. This Agreement also contains important information regarding what you should do if you believe that an unauthorized person has gained access to your account(s) or an error has occurred. Keep this Agreement for future reference. This Agreement will be governed by federal law and the laws of the State of New Jersey to the extent that said state law is not preempted or superceded by federal law.
2. Each of your deposit accounts at Columbia Bank is also governed by a Deposit Account Agreement and Disclosure which includes an Account Agreement, Funds Availability Disclosure, Electronic Fund Transfer Disclosure, W-9 instructions and General Schedule of Fees. The Deposit Account Agreement and Disclosures also apply to any electronic fund transfers made to or from your accounts by use of Online Banking. This Agreement will control in the event of any conflict between the Account Disclosures and this Agreement.
3. Throughout this Agreement, the following terms will have the meanings set forth below:

   "Authorized User" refers to a person who is a common owner of any or all Online Banking Accounts.

   "access" refers to the ability to obtain account information, electronic messages, transfer funds between accounts, as described further in this Agreement.

   "Columbia Online Banking" means the ability through Online Banking to access transaction information on Eligible Accounts through Online Banking and transfer funds among those accounts.

   "Columbia Online Bill Payment" means the ability to perform payments to third parties from your designated account through instructions entered into Online Banking.

   "Bill Payment Account" means your designated Columbia Bank checking account from which bill payments will be made.

   " Online Banking Services" means Columbia Bank's Online Banking by web service which includes collectively Account Access Service and Bill Payment Services and such other computer-based banking services that Columbia Bank may make available from time to time.

   "business day" means Monday through Friday, excluding Saturday, Sunday and banking holidays set forth under the laws of the United States.

   "Eligible Accounts" are those types of Columbia Bank accounts referred to in Section II of this Agreement, which may be accessed through Online Banking.

   "ET" means Eastern Time.

   "CT" means Central Time.

   "personal account" means any Columbia Bank deposit account or loan that is used for personal, family, or household purposes.

   "Password" means the confidential personal identification number or other confidential code selected by you for identification purposes in connection with the use of Online Banking.

   "Bank," "we" and "us" refer to Columbia Bank.

   "Service Fee Account" means the Columbia Bank account(s) you have designated to be charged for all fees and charges associated with Online Banking and Bill Paying.

   "transaction" means any electronic banking transaction, including a deposit, withdrawal or bill payment made electronically.

   "you," "your" and "yours" refer to each business customer who requests Online Banking and/or Bill Paying, as well as any person authorized by you to use Online Banking.

   "Bill Payment Agent" refers to our Bill Payment Processor used to support the Bill Payment function.

Note: Columbia Bank may from time to time amend this list of eligible accounts.

BY ACCESSING OR USING THIS WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND ACCEPT THEM IN FULL, AS THEY MAY BE MODIFIED BY COLUMBIA BANK.

NO WARRANTY.
THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS - ARE PROVIDED "AS IS," "AS AVAILABLE". COLUMBIA BANK DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.

LIMITATION OF LIABILITY.
IN NO EVENT WILL COLUMBIA BANK BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF COLUMBIA BANK , OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES. HYPERLINKS TO OTHER INTERNET RESOURCES ARE AT YOUR OWN RISK; THE CONTENT, ACCURACY, OPINIONS EXPRESSED, AND OTHER LINKS PROVIDED BY THESE RESOURCES ARE NOT INVESTIGATED, VERIFIED, MONITORED, OR ENDORSED BY COLUMBIA BANK.

1. General Online Banking Terms and Conditions For All Customers. This section applies to customers accessing their accounts.
   
   
   1. Fees
      
      Fees for customers are disclosed in our General Schedule of Fees. You agree to pay promptly all fees and charges for Online Banking and, if applicable Bill Payment and authorize us to charge the Service Fee Account or, if there are insufficient available funds in the Service Fee Account, any other of your Columbia Bank accounts for the fees. You agree to be responsible for telephone charges to the extent that any may be incurred through use of Online Banking.
      
      If you wish to close any Checking Account which is acting as your Service Fee Account and/or your Bill Payment Account, you must notify us prior to such closing and identify a new Checking Account which is to serve as your Service Fee Account and/or your Bill Payment Account for Online Banking. Failure to notify us may result in the termination of Online Banking, and you agree that we may charge any account you have with Columbia Bank for the amount of any outstanding charges you owe.
      
      
   2. How to Contact Us
      
      Call a Customer Service Representative at 1-800-522-4167 (outside the continental U.S. call (201)794-5656) during normal business hours.
      
      If you would like to send us a message, you can send all questions through our secure email Guest Book in Contact Us. This is a secure method of sending personal information to us. Please be sure not to include your account number or social security number through an unsecured site. You should never divulge your password.
      
      You can also write to us at: Columbia Bank, 19-01 Route 208 North, Fair Lawn, NJ 07410 Attn: Internet Banking Representative.
      
      
   3. Use of Electronic Messages
      
      Sending electronic messages through Online Banking is a way to communicate with the Bank, as required elsewhere in this Agreement. However, there may be times when you need to speak with someone immediately (especially to report a lost or stolen Password). In these cases, do not use an electronic message. Instead, call us at 1-800-522-4167, ext. 5656 (outside the continental U.S. call (201)794-5656) during normal business hours. Also, it is important to remember that you cannot use an electronic message through Online Banking to either transfer funds between accounts or to conduct transactions, such as paying bills. To accomplish these activities, please follow the appropriate instructions provided by Online Banking.
      
      By enrolling in Online Banking, you agree that we may communicate with you through your Online Banking electronic message address for the purpose of sending you notices of any changes in terms to this Agreement or for providing you such other disclosures or notices as may be required by applicable laws or regulations.
      
      
   4. Addition of New Services
      
      Columbia Bank may, from time to time, introduce new online services. We may notify you of the existence of these new services when they become available and, if you choose to make use of any new service, you agree to be bound by any terms and conditions regarding the new services that we may send to you.
      
      
   5. Cancellation and Reinstatement of Online Banking
      
      If you wish to cancel Columbia Online Banking, you may submit an Account Change Form located within Online Banking, please allow 2-3 business days for the request to be processed. You may send us cancellation instructions in writing to Columbia Bank Attn: Internet Banking 19-01 Route 208 North, Fair Lawn, NJ 07410
      
      In order to reinstate your Online Banking service, access Online Banking by Web at www.columbiabankonline.com and by accepting our Customer Agreement and authorization instructions for activating Online Banking, as well as, completing the Online Banking Application your service will be activated. If you do not access your Columbia Bank accounts via Online Banking for any three (3) month period, for your protection, we reserve the right to disconnect your service.
      
      
   6. Limitations, Priority and Performance of Transactions
      
      Any one bill payment item cannot be for an amount greater than $9,999.99. We may, from time to time, limit the type, number and dollar amounts of any checks, drafts, withdrawals, or transfers made by use of Online Banking, notwithstanding the amount in your accounts. Limits on the number of transactions that you may perform on your Columbia Bank checking, NOW, Money Market or statement savings accounts are described in the applicable Account Agreement for such accounts.
      
      If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold is removed.
      
      If you schedule an Online Banking transaction to occur on a non-business day, we reserve the right to debit funds from your applicable Eligible Account on the first business day following the transfer date or bill payment pay date.
      
      If there are not sufficient funds or available funds on the effective date of the transfer, we may not complete the transfer and a service charge and/or late charge may be assessed to the account(s).
      
      
   7. Termination, Amendment and Assignment
      
      We reserve the right to terminate or amend this Agreement, or your access to Online Banking, at any time with any notice as may be required by law. You agree that any required notice may be sent to you electronically at your Online Banking electronic message address. We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.
      
      
   8. Recording of Information and Disclosure to Third Parties
      
      The collection of personal information online is designed to protect access to your personal accounts and to assist the bank in providing you with the products and services you want and need. All personal information collected and stored by the bank is used for specific business purposes to protect and administer your personal accounts and transactions, to comply with state and federal banking regulations, and to help the bank better understand your financial needs in order to design or improve our products and services.
      
      Employing stringent security measures in the collection of your personal information, all Columbia Bank online account applications are submitted to the bank's secure administration site through an encrypted direct line to the bank. Once received by the bank, only approved personnel may open and process the application. Furthermore, auditing mechanisms have been put into place to further protect your information by identifying which employee(s) has accessed and in any way modified, updated, or added to your personal information.
      
      When visiting our Web site to read or download information, we do not collect information about you, but we do collect and store information about your Internet connection and the date and time of your visit. Specifically, we record:
      • The name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an America Online account, or princeton.edu, if you are connecting from Princeton University's domain).
      • The Internet address of the Web site from which you linked directly to our site, if any (for example, www.fdic.gov, if you are following a link from the FDIC Web site, or www.yahoo.com, if you are using the Yahoo search engine).
      • The type of web browsing software you are using to view our site.
      • The date and time you accessed our site.
      • The pages from where you entered and exited our site.
      
      
      The information and electronic messages you enter through Online Banking may be recorded. We may disclose information about your Eligible Accounts, or the transfers, transactions or payments you perform, to third parties and you hereby authorize those third parties to disclose similar information to us:
      1. where it is necessary for completing transfers or transactions; or
      2. in order to verify the existence and condition of your account for a third party such as, for example, a credit bureau, a merchant, another financial institution; or
      3. in order to comply with government agency or court orders, or investigations or examinations by our bank regulators; or
      4. in the investigation or prosecution of alleged fraudulent activity concerning your accounts; or
      5. if you give us your permission; or
      6. as may be otherwise authorized in other agreements with us.




2. Online Banking Terms and Conditions For Personal Accounts
   
   
   1. In accordance with the terms of this Agreement, we will accept instructions from any person using your Password to conduct Online Banking transactions.
      
      
   2. You will be given the ability to select a Password that will give you access to Online Banking. You alone will have the ability to change your Password and we recommend that you change your Password regularly. Columbia Bank is entitled to act on instructions received under your Password and you agree that the use of your Password will have the same effect as your signature authorizing any transaction. For security purposes, we recommend that you memorize your Password and do not write it down. You are responsible for keeping your Password, account numbers, and other account data confidential. Where you have authorized any other person to use your Password in any manner, your authorization shall be unlimited in amount and manner.
      
      
   3. Your Liability for Unauthorized Transfers/Transactions
      It is imperative that you tell us AT ONCE if you believe your Password has been lost or stolen. Telephoning is the best way of limiting your possible losses. You could lose all the money in the accounts to which you have access through Online Banking, plus your maximum overdraft line of credit or the balance in any other account connected to your account for overdraft protection. If you tell us within two business days that someone has used your Password without your permission, you can lose no more than $50.00.
      
      If you do NOT tell us within two business days after you learn of the loss or theft of your Password and we can prove we could have stopped someone from accessing your account(s) without your permission if you had told us, you could lose as much as $500.00.
      
      Also, if your statement shows electronic transfers or transactions that you did not make, tell us at once. If you do not tell us within 60 calendar days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.
      
      If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
      
      Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you find that your records and ours disagree, or you believe that your Password has been stolen or is no longer secure, you must call us immediately at 1-800-522-4167, ext. 5656 (outside the continental U.S. call (201)794-5656) during normal business hours.
      
      
   4. In Case of Errors or Questions about Your Electronic Transfers/Transactions
      Telephone us at 1-800-522-4167, ext. 5656 (outside the continental U.S. call (201)794-5656) during normal business hours or write us at Columbia Bank, Central Service Area, 19-01 Route 208 North, Fair Lawn, NJ 07410 as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. You must do the following:
      1. Tell us your name and account number;
      2. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information, and;
      3. Tell us the dollar amount of the suspected error.
      
      
      If you tell us orally, we will require that you send us your complaint or question in writing within ten (10) business days. After we receive your inquiry, we will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or questions. If we decide to do this we will credit your account within ten (10) business days for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we do not receive your complaint or question in writing within ten (10) business days, we will not credit your account. If we decide that there is no error, we will send you a written explanation within three (3) days after we finish our investigation. Five (5) business days after we send you our written explanation we will withdraw from your account any sums we temporarily credited to it. You may ask for copies of the documents that we used in our investigation.
      
      
   5. Documentation of Transfers/Transactions
      We will send you Checking Account, NOW Account, Money Market Account or Statement Savings Account periodic statements in accordance with the applicable Account Agreement for Checking, NOW, Money Market and Statement Savings Accounts.
      
      
   6. Our Responsibility to Consumers
      If we do not complete a transfer or transaction according to the terms and conditions of this agreement we will complete the transfer or transaction, without charging you any additional fee unless:
      1. If, through no fault of ours, you do not have enough money in your account to make the transfer or complete the transaction;
      2. If the transfer or transaction will go over the credit limit on your overdraft line, if you have one;
      3. If the transfer or transaction will exceed the transaction limitations on your checking, statement savings or money market account;
      4. If our systems were not working properly and you knew about the breakdown when you started the transfer or transaction;
      5. If circumstances beyond our control (such as interruption in services provided to us by a third party, or, telephone service, telecommunications facilities, fire or flood) prevent the transfer or transaction, despite reasonable precautions that we have taken;
      6. If the transfer or transaction cannot be made because of legal restrictions affecting your account;
      7. If you have not provided us with complete and correct payment information, including but not limited to name, address, account number and payment amount for a merchant/payee;
      8. If you have not properly followed the instructions for operating Online Banking (including the scheduling of payments or transfers); and,
      9. If your operating system was not functioning properly.
      
      In addition, you agree that we will not be responsible for delays caused by mail service or the negligence or willful misconduct of yourself or others. Our sole responsibility for an error in a transfer or transaction will be to correct the error, but in no case shall we be liable for any indirect, special or consequential, economic or other damages, including interest or late payment charges assessed by a merchant or a termination of service caused by a delay in a merchant's receiving the transfer or transaction.
      
      
3. Columbia Online Banking
   
   1. You can obtain transaction history on Eligible Accounts and transfer funds, or conduct transactions subject to the limitations on transfers set forth in this Agreement or the Deposit Account Agreement, among Eligible Accounts. Activity information as of the close of the previous day will normally be available by 8 AM (ET) the next day.
   2. You can access your Eligible Accounts through Online Banking seven days a week. Excluding Holidays, any transfer between your Eligible Accounts conducted up until approximately 7 PM (ET) Monday through Friday and approximately 3 PM (ET) Saturday will be posted to your account the same day. Transfers completed after those hours, on Sunday and holidays will normally not be processed until the next business day except for Friday's which will normally be posted on Saturday.



4. Columbia Online Bill Payment
   
   1. The Bill Payment service permits you to use your Internet-enabled device to direct payments from your selected online Bill Payment Account to third parties you wish to pay. We have contracted with our Bill Payment Agent to perform these payments for you. Your Bill Payment Account must be a Columbia Bank checking account. Through the Bill Payment service, you can pay bills from your Bill Payment Account to businesses or individuals.
   2. All payments you make will be deducted from the account that you designate as your Bill Payment Account for the Bill Payment service. Any payments you wish to make through this service must be payable in U.S. dollars to a payee located in the continental United States. Any one bill payment item cannot be for an amount greater than $9,999.99. We reserve the right to restrict types of payees to whom payments may be made using the Bill Payment service from time to time. You should not use the Bill Payment service to make payments to settle securities purchases, tax payments, or court ordered payments. Payments for these payees will be your sole responsibility if delayed or improperly processed or credited.
   3. Funds must be available in your Bill Payment Account on the scheduled payment date. If the date you schedule a payment to be initiated falls on a non-business day (Saturday, Sunday or holiday), funds must be available in your Bill Payment Account the following business day (e.g., Monday). After funds are withdrawn from your Bill Payment Account to make a payment, we may make the payment either by transferring funds electronically to the payee or by mailing the payee a check.
   4. You may choose to schedule payments to recur in the same amount at regular weekly, bi-weekly, semi-monthly or monthly, quarterly, semi-annual and annual intervals (a "recurring payment"). If a recurring payment is chosen, the bill will be paid automatically each billing period. If the payment is not a recurring payment, it will be a "one time payment." One time payments do not recur and are not made until you enter the payee and amount of the current bill and submit the payment. You may change payments that are recurring payments; however, you must allow at least three (3) business days after we receive any change to information you have given us about a payee to reflect the change in our records. If any bill payments result in an overdraft to your account the appropriate NSF fee will be assessed.
   5. When you create a new payee in the Bill Payment service, it has a temporary status until we have had sufficient time to set up the account, and for your business payees, verify information about your account. You should schedule a payment to a new payee at least seven (7) business days before any payment due date, to allow us time to set up the payee and verify information about your account with the payee. For all subsequent payments, you agree to allow up to five (5) business days between the date you schedule a payment to be initiated and the payment due date (that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period). If you do not, you will be fully responsible for all late fees, finance charges or other action taken by the payee. If you schedule your payment and follow all instructions provided, but the payment is not received by the payee in a timely manner, a representative from our Bill Payment Agent will work with the payee on your behalf to attempt to have any late fees or charges reversed.
   6. If you are assessed a fee due to a late or missed payment and you believe the fee assessment is an error, you must contact Bill Payment Customer Service at 1-800-823-7555 Monday through Friday 7:00 A.M. to 9:00 P.M. CT and Saturday 8:00 A.M. to 5:00 P.M. CT.
   7. Once Customer Service has been contacted, they will submit a research request to the Bill Payment Research Department. If it is determined that you followed the proper Bill Payment procedures, Customer Service will:
      • Credit your checking account for the full amount of late charges assessed by the payee
        AND
      • Send a written statement to the payee explaining that you are not at fault for the late or missed payment.
   8. If it is determined that you did not follow the proper Bill Payment procedures, you will be responsible for any fees assessed by the payee.
   9. Columbia Bank is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. Columbia Bank will not be liable in any way for damages you incur if you do not have sufficient available funds in your Bill Payment Account to make the payment on the processing date, for delays in mail delivery, for changes to the payee's address or account number unless you have advised us of the change sufficiently in advance, for the failure of any payee to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond the control of Columbia Bank.
   10. If the session during which you schedule a payment ends by 10:00 p.m. (ET) on a business day, Columbia Bank will be considered to have received it on that day. Otherwise, it will be considered received on the following business day. For all entries made using the service, the time recorded by the Online Banking service controls.
   11. You will be liable to the Bill Payment Agent and to Columbia Bank for the full amount of any bill payments made on your behalf. No further bill payments will be allowed until this indebtedness to either Columbia Bank or the Bill Payment Agent is paid. You will also be responsible for any insufficient/uncollected fund charges.
   12. The way to cancel or change a payment is to use the Bill Pay Service. Payments must be changed or cancelled using the Service prior to 10:00 p.m. (ET) on the business day the transaction is scheduled to be initiated. If you wish to cancel a payment after it is issued please call our Bill Payment Agent at 1-800-823-7555. If they agree to stop this payment, you may be charged a stop payment fee as detailed in the General Schedule of Fees. Stop payment orders, whether oral, written, or electronic, will be in effect for a period of six months. If requested, you will confirm any stop payment order in writing. After six months, any stop payment will terminate and must be renewed in order to continue in effect. Any item that is presented following the lapse of any stop payment order may be paid.
   13. Cancellation and Reinstatement of Online Bill Payment: If you wish to cancel Columbia Online Bill Payment, you may submit an Account Change Form located within Online Banking under the Secured Forms category, please allow 2-3 business days for the request to be processed. You may send us cancellation instructions in writing to Columbia Bank Attn: Internet Banking 19-01 Route 208 North, Fair Lawn, NJ 07410
       
       In order to reinstate your Online Bill Payment service, access Online Banking by Web at www.columbiabankonline.com and click on Payment Manager and submit a new Enrollment Form, please allow 5 business days for processing. If you do not access your Columbia Bank Bill Payment Service for any three (3) month period, we reserve the right to disconnect your service.
       
       
   
   
5. Electronic Bill Payment Authorization
   

   I AUTHORIZE my financial institution to post payment transactions generated via PC from the Online Bill Paying Service to the account indicated on the form being sent electronically. I understand that I am in full control of my account. If at any time I decide to discontinue service, I will provide written notification to my financial institution. My use of the Bill Paying Service signifies that I have read and accepted all terms and conditions of the Online Bill Paying Service as indicated in the Online Banking Customer Agreement, which I have already accepted as part of my enrollment in Online Banking.

   I UNDERSTAND that payments may take up to 5 business days to reach the vendor and that they will be sent either electronically or by check. My financial institution is not liable for any service fees or late charges levied against me. I also understand that I am responsible for any loss or penalty that I may incur due to lack of sufficient funds or other conditions that may prevent the withdrawal of funds from my account. Additional service charges associated with the Bill Payment service are: Stop Payment $25.00, Check Copies $10.00 per check, NSF (Insufficient Funds) $32.00