*The minimum to open any fixed rate certificate account is the same daily minimum to earn the annual percentage yield.

**Interest will be credited on the next to the last business day of each interest crediting period and at maturity. That interest is available to be withdrawn the following business day. If you close your variable rate interest bearing account before the interest is credited, you will not receive the accrued interest.

***The penalty for a premature withdrawal during the initial or any subsequent renewal term will be at the rate being paid on the account, regardless of the length of time the funds have remained on deposit. Any withdrawal which reduces the account balance below the initial/renewal balance shall be considered as a withdrawal of the entire account balance.

****All fixed rate savings certificates provide for automatic renewal unless at least 5 days (for 7 day or 28 day CDs) or at least 10 days (for all other CDs) prior to the maturity date Columbia gives written notice to the account holder that the account will not be renewed. In such event, upon maturity, the account will be converted to a variable rate savings account and receive earnings at the interest rate then paid on variable rate savings accounts. The 7 day and 28 day certificates have no grace period. The grace period for all other certificates is seven days from the date of maturity. During the grace period, funds can be withdrawn without penalty and will earn interest at the rate Columbia is offering on the maturity date on certificate accounts for that term.