Deposit Account Agreement and Disclosure

Effective November 8, 2024

Table of Contents
COLUMBIA BANK DEPOSIT ACCOUNT AGREEMENT AND DISCLOSURE .................................... 5
INTRODUCTION............................................................................................................................. 5
DEPOSIT ACCOUNTS ................................................................................................................... 5
INTEREST ...................................................................................................................................... 5
DEPOSIT RULES ........................................................................................................................... 6
WITHDRAWAL RULES ................................................................................................................... 7
HOW TO AVOID OVERDRAFTS (Excluding Forward Checking Accounts) .................................... 9
STALE DATED CHECKS ................................................................................................................ 9
CHECKING ACCOUNTS ................................................................................................................ 9
TIME DEPOSITS ............................................................................................................................ 9
STOP PAYMENT ORDERS .......................................................................................................... 10
INDIVIDUAL ACCOUNTS ............................................................................................................. 10
MULTIPLE PARTY ACCOUNTS ................................................................................................... 10
(a) Joint Account Ownership. ............................................................................................... 10
(b) Totten Trust Account........................................................................................................ 10
(c) P.O.D. Account.................................................................................................................. 11
ADDITIONAL ACCOUNT TYPES.................................................................................................. 12
(a) Formal Trust Account....................................................................................................... 12
(b) Uniform Transfers to Minors. ........................................................................................... 12
(c) Agency Account. .............................................................................................................. 12
(d) Business Accounts. ......................................................................................................... 12
(e) Fiduciary Accounts. ......................................................................................................... 12
ASSIGNABILITY ........................................................................................................................... 13
FINANCIAL INSTITUTION LIABILITY ........................................................................................... 13
SETOFF AND SECURITY INTEREST .......................................................................................... 13
DORMANT ACCOUNTS ............................................................................................................... 13
ACCOUNT STATEMENTS............................................................................................................ 13
ACCOUNT PASSBOOKS ............................................................................................................. 14
WHOLESALE WIRE AND ACH TRANSACTIONS ........................................................................ 14
NOTICES ...................................................................................................................................... 14
ACCOUNT TERMINATION ........................................................................................................... 15
ALTERNATIVE DISPUTE RESOLUTION – AGREEMENT TO ARBITRATE; JURY TRIAL .......... 15
WAIVER AND CLASS ACTION AND CLASS ARBITRATION WAIVER. ....................................... 15
SHARING INFORMATION ............................................................................................................ 18
MISCELLANEOUS PROVISIONS ................................................................................................. 19
FUNDS AVAILABILITY DISCLOSURE STATEMENT YOUR ABILITY TO WITHDRAW FUNDS
FROM YOUR CHECKING OR SAVINGS ACCOUNTS .................................................................... 20
DETERMINING THE AVAILABILITY OF A DEPOSIT ................................................................... 20

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 DEPOSITS AT AUTOMATED TELLER MACHINES ..................................................................... 20
AVAILABILITY OF DEPOSITS ...................................................................................................... 20
SAME DAY AVAILABILITY ........................................................................................................... 20
NEXT DAY AVAILABILITY ............................................................................................................ 20
OTHER CHECK DEPOSITS ......................................................................................................... 21
LONGER DELAYS MAY APPLY ................................................................................................... 21
SPECIAL RULES FOR NEW ACCOUNTS .................................................................................... 21
EDEPOSIT XPRESS..................................................................................................................... 22
ELECTRONIC FUND TRANSFER DISCLOSURE STATEMENT...................................................... 23
IMPORTANT ATM SAFETY & SECURITY POINTS...................................................................... 23
DISCLOSURE NOTICE ................................................................................................................ 23
DEFINITIONS ............................................................................................................................... 23
TYPES OF ELECTRONIC FUND TRANSACTION SERVICES OFFERED ................................... 25
PREAUTHORIZED TRANSFERS ................................................................................................. 25
PHONELINKSM ............................................................................................................................ 25
ONLINE BANKING ........................................................................................................................ 25
ATM TRANSACTIONS .................................................................................................................. 25
PURCHASE TRANSACTIONS...................................................................................................... 26
TRANSACTION LIMITS ................................................................................................................ 26
PREAUTHORIZED TRANSFERS ................................................................................................. 26
CONSUMER DEBIT CARD CUSTOMERS ................................................................................... 26
BUSINESS DEBIT CARD CUSTOMERS ...................................................................................... 27
HEALTH SAVINGS ACCOUNT (HSA) DEBIT CARD CUSTOMERS ............................................ 27
ALL DEBIT CARD CUSTOMERS.................................................................................................. 27
ADDITIONAL TERMS AND CONDITIONS .................................................................................... 27
STOP PAYMENT OF PREAUTHORIZED PAYMENTS ................................................................. 29
STOP PAYMENT OF PREAUTHORIZED ONLINE BILL PAYMENTS .......................................... 29
NOTICE OF VARYING AMOUNTS OF PREAUTHORIZED PAYMENTS ...................................... 29
OUR LIABILITY FOR FAILURE TO STOP PAYMENT OF PREAUTHORIZED PAYMENTS ......... 29
DOCUMENTATION....................................................................................................................... 29
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSACTIONS ......... 29
YOUR LIABILITY FOR UNAUTHORIZED ELECTRONIC TRANSACTIONS: ................................ 30
HOW TO CONTACT US ............................................................................................................... 31
OUR LIABILITY FOR FAILURE TO COMPLETE AN ELECTRONIC FUND TRANSFER
TRANSACTION ............................................................................................................................ 31
DISCLOSURE OF ACCOUNT INFORMATION ............................................................................. 33
DEBIT CARD FEES AND CHARGES ........................................................................................... 33
CURRENCY CONVERSION AND INTERNATIONAL TRANSACTIONS ....................................... 34
MOBILE DEPOSIT TERMS AND CONDITIONS ........................................................................... 34
1. LIMITS ................................................................................................................................... 34

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2. ELIGIBLE ITEMS ................................................................................................................... 34
3. REQUIREMENTS .................................................................................................................. 35
4. RECEIPT OF DEPOSIT ......................................................................................................... 35
5. ORIGINAL CHECKS .............................................................................................................. 35
6. RETURNED DEPOSITS ........................................................................................................ 36
7. YOUR WARRANTIES ............................................................................................................ 36
8. COMPLIANCE WITH LAW ..................................................................................................... 37
9. MOBILE DEPOSIT UNAVAILABILITY.................................................................................... 37
10. FUNDS AVAILABILITY ....................................................................................................... 37
11. BUSINESS DAYS ............................................................................................................... 37
12. MOBILE DEPOSIT SECURITY........................................................................................... 37
13. YOUR RESPONSIBILITY ................................................................................................... 38
14. ACCOUNTHOLDER’S INDEMNIFICATION OBLIGATION ................................................. 38
15. DISCLAIMER OF WARRANTIES ....................................................................................... 38
16. LIMITATION OF LIABILITY ................................................................................................ 38
17. FINANCIAL INFORMATION ............................................................................................... 38
18. ACCOUNT TERMINATION, AMENDMENT AND ASSIGNMENT ............................................ 39

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 COLUMBIA BANK DEPOSIT ACCOUNT AGREEMENT AND DISCLOSURE

INTRODUCTION
In this Deposit Account Agreement and Disclosure, each and all of the depositors are referred to as
“Account Holder”, “you”, and “your.” The Financial institution is referred to as “we,” “our,” and “us.” This
Deposit Account Agreement contains the terms and conditions governing certain of your deposit
accounts with us. As used in this document, the term “Agreement” means this document (which also
includes a Funds Availability Policy Disclosure and an Electronic Fund Transfer Agreement and
Disclosure), the signature card, and the Deposit Account Disclosure (which includes our General
Schedule of Fees). Each of you signing the Signature Card for a Deposit Account acknowledges receipt
of this Agreement and agrees to the terms set forth in the Agreement, as amended from time to time.
You agree that we may waive, at our sole discretion, any fee, charge, term, or condition set forth in this
Agreement at the time the Account is opened or subsequent thereto, on a one-time basis or for any
period or duration, without changing the terms of the Agreement or your obligation to be bound by the
Agreement, and we are not obligated to provide similar waivers in the future or waive our rights to enforce
the terms of this Agreement.

DEPOSIT ACCOUNTS
From time to time, we may offer, or you may open a variety of Deposit Accounts. Each such Account (the
“Account”) is subject to the general terms and conditions and any specific terms and conditions relating
to that type of Account that may be set forth in this Agreement. All Deposit Accounts are subject to
Federal and State laws and regulations governing financial institutions and those promulgated by the
Board of Directors of Columbia Bank. The provisions of Articles 3 and 4 of the Uniform Commercial Code,
the Rules and Regulations of the Federal Reserve Bank and the New Jersey Multiple-Party Deposit
Account Act, as the same may from time to time be amended, are incorporated herein by reference and,
unless the context thereof shall require otherwise, shall apply to the use of checks, drafts, or by
authorization as approved by the Bank. If you open multiple Accounts, you may receive Deposit Account
Disclosure information for each Account, but this Agreement will cover all Accounts with us.
Each of you will be jointly and severally liable to us for debit balances in the Account, including, without
limitation, overdrafts and Account charges, and jointly and severally promise to pay, upon demand, any
and all debit balances, all fees and charges, and our reasonable attorneys’ fees and costs and expenses
of collection including, but not limited to, those incurred at trial and on any appeal.

INTEREST
If your Account earns interest, the following information applies:
(a) Payment of Interest. We will pay interest at the annual rate specified on the Deposit Account
Disclosure, which does not reflect compounding (“Interest Rate”). The Deposit Account Disclosure
also sets forth the frequency of interest payments, the frequency of any compounding and crediting,
the interest accrual basis, the balance on which interest will be paid, and any minimum balance
requirements.
(b) Minimum Balance Requirements. The Deposit Account Disclosure may specify a minimum
balance that you are required to maintain in your Account. If the minimum balance is not maintained
during a specified period, we, at our option, may not pay interest on your Account and/or may charge
a fee for that period. You should review any minimum balance requirements on the Deposit Account
Disclosure.
(c) Initial Interest Rate. The initial interest rate is the current annual rate of interest that we will pay on
the specified balance in your Account. We may pay interest at different rates, depending on the
amount deposited and the type of depositor (individual, business, non-profit organization, etc.).
(d) Interest Compounding and Crediting. The Deposit Account Disclosure will indicate the interest
compounding and crediting frequency for your Account (if any). Compounding generally means that
interest is being accrued on earned interest. Interest may be compounded more frequently than
interest is credited to your Account.
(e) Interest Accrual. We may accrue interest on your Account more frequently than we pay or credit
interest. The interest that has been calculated, but not paid to the Account, is called accrued unpaid
interest.

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 (f) Changes. We have the right to change the rates and fees in accordance with the terms of the Deposit
Account Disclosure. We also reserve the right to change any other term of this Agreement at our
sole discretion.

DEPOSIT RULES
The following terms apply to deposits made to your Account:
(a) Endorsements. You authorize us to accept transfers, checks, and other items for deposit to your
Account if they are made payable to, or to the order of, any one or more of you, whether or not they
are endorsed by you. You authorize us to supply missing endorsements, and you warrant that all
endorsements are genuine. All checks and other items deposited to your Account should be
endorsed payable to the order of us for deposit only, followed by your signature and Account number.
All endorsements must appear on the back of the check or other item within the first 1-1/2 inches
from the left side of the item when looking at it from the front.
While we may accept non-conforming endorsements, you will be responsible for any loss incurred
by us due to the delay in processing or returning the item for payment.
(b) Final Payment. All non-cash items (for example, checks) deposited to your Account are posted
subject to our receipt of final payment by the payor bank. Upon receipt of final payment, the item
becomes a collected item. If final payment is not received or if any item you have deposited or cashed
is charged back to us for any reason, you authorize us to charge any of your Accounts, without prior
notice and at any time, for the amount of the returned item, our returned item fee, any interest paid
on that item, and any other fee we pay or incur. We reserve the right to refuse any item for deposit
into your Account.
(c) Direct Deposits. If we offer direct deposit services for automatic preauthorized deposits to your
Account or automatic transfers to your other Accounts with us, you must notify us at least thirty (30)
days prior to the next scheduled direct deposit or preauthorized transfer if you wish to cancel the
direct deposit or transfer service. If any amount deposited must be returned for any reason, you
authorize us to deduct the amount from your Account as provided in (b) above.
(d) Substitute Checks. You agree that you will not deposit, without our prior written consent, “substitute
checks” as defined by federal law or Image Replacement Documents that purport to be substitute
checks and have not been previously endorsed by a bank. If you deposit such an item, you agree to
reimburse us for losses, costs and expenses we may incur associated with warranty or indemnity
claims. If you provide us with an electronic representation of a substitute check for deposit into your
account instead of an original check, you agree to reimburse us for losses, costs and expenses we
incur because the substitute check resulting from the electronic representation does not meet
applicable substitute check standards and/or causes duplicate payments.
(e) Crediting of Deposits. The Funds Availability Policy Disclosures reflect our policies relating to
the availability of deposited funds.

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 WITHDRAWAL RULES
The following terms apply to withdrawals from your Account:
(a) Manner of Withdrawal. You may make withdrawals from your Account in any manner that is
permitted by us for the type of Account that you have opened. Withdrawals by mail will be posted to
your Account as of the day the transaction is processed by us. The Forward Checking account does
not allow check writing. You may use your Columbia Bank debit card to make ATM withdrawals or
POS transactions, Columbia Online Banking, or Columbia Mobile Banking. We may refuse to accept
any check other than standard checks provided by us, or approved by us in advance. Checks you
write may be converted into electronic images (truncated) during the check collection and return
process. If you elect to have your checks printed by a vendor that has not been approved by us, or
you use check stock or features (e.g., security features) that cause critical data to disappear or be
obscured upon truncation, or you make your check out in a way (e.g., using a lightly colored ink) that
causes critical data to disappear upon truncation, you agree to bear the risk of loss. You also agree
to bear the risk of loss if you use check stock that contains printing inaccuracies, faulty magnetic ink,
faulty encoding, or duplicate serial numbers. Withdrawals and transfers from your Account may be
restricted as provided in the Agreement, or in the Deposit Account Disclosure, or by applicable law.
There will be a charge assessed against any Account for processing documents which require
special handling. The charge will be in accordance with the Bank’s current Deposit Account
Disclosure of charges.

(b) Withdrawal Restrictions and Overdrafts

We do not have to allow you to make a withdrawal from your Account if you do not have sufficient
available funds in the Account to cover the full amount of the withdrawal. If there are available funds
to cover some, but not all of the withdrawals or other debits (such as charges) to your Account, we
may post those withdrawals or other debits for which there are sufficient available funds in any order
we may choose at our sole discretion. If there are insufficient available funds to cover some of the
withdrawals or debits presented against your Account, such items will be handled in accordance with
our overdraft procedures or in accordance with any other agreement you may have with us (i.e.,
Account Link, CheckRight Overdraft Line of Credit or Premium Overdraft). Even if we choose to pay
one or more overdrafts, we are not obligated to cover any future overdrafts. We may determine the
balance of your Account in connection with determining whether payment of an item will create an
overdraft at any time between the time we receive the item and the deadline for us to take action on
the item. We are not required to determine your Account balance more than one (1) time during this
period. A service charge may be assessed on any item that will overdraw the available Account
balance, regardless of whether we pay or dishonor (return) the item. The fee assessed on consumer
purpose accounts is capped at one (1) per day. You agree, immediately upon notice from us, to
deposit funds sufficient to cover any overdraft, plus service charges, if required. You agree to allow
us to apply directly-deposited governmental benefits, including social security, to cover any overdraft.
We will not be liable for the dishonor of any item when the dishonor occurs because we setoff a debit
against your Account. We also may refuse to allow a withdrawal if there is a dispute about the
Account (unless a court has ordered us to allow the withdrawal), the Account is garnished or
attached, the Account has been pledged as collateral for a debt, the availability of the funds on
deposit cannot be verified, any required documentation has not been presented, or you fail to repay
an obligation to us on time. Overdraft services are not available on Forward Checking. You will not
be charged overdraft fees on your Forward Checking account but if your account is in an overdrawn
status you must promptly bring the account to a positive balance. Please refer to the applicable
Overdraft Services Disclosure (Consumer or Business) for more information.
(c) Notice Requirements. Federal regulations permit us to retain the right to require you to give at least
seven (7) days’ notice in writing prior to any intended withdrawal from a Passbook Savings or
Statement Savings Account or Money Market Account. Although we usually pay withdrawals or
checks without notice on these Accounts, doing so does not mean that we give up this right.

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 (d) Postdated Items. You agree that when you write a check, you will not date the check in the future.
If you do and the check is presented for payment before the date of the check, we may pay it or
return it unpaid. You agree that if we pay the check, the check will be posted to your Account on the
date we pay the check, even though the posting date is prior to the date of the check. You further
agree that we are not responsible for any loss to you in doing so. Check writing privileges are not
included with the Forward Checking account (This means you cannot write or use physical checks
to pay from this account).
(e) Power of Attorney. The person executing a Power of Attorney will be referred to as the “principal”
and the person acting for the principal as the “agent”. We may refuse to comply with a Power of
Attorney for reasonable cause, or until we receive an affidavit from the principal stating that the Power
of Attorney presented is a true copy and that the principal is alive and that the relevant powers of the
agent have not been altered or terminated.
(f) Signatures. You authorize us to store and use Signature Card information in any reasonable form
we deem necessary including any digitized signature capture process. If you use a facsimile
signature or other form of signature, you agree you shall have the sole responsibility for maintaining
security of the facsimile signature or device by which it is affixed and you shall bear the entire risk for
unauthorized use thereof whether or not you are negligent. You agree that no check bearing or
purporting to bear your facsimile signature may be considered a forgery or an unauthorized signature,
but that such facsimile signature shall be effective as your signature or endorsement whether or not
you have been negligent. You further agree to indemnify and hold us harmless from and against any
and all loss, costs, damage, liability, or exposure (including reasonable attorney’s fees) we or you
may suffer or incur as a result of the unlawful use, unauthorized use, or misuse by any person of any
such facsimile signature or the device by which it is affixed. If you use any form of facsimile signature
device, you agree to deliver a sample to us if we request it.
(g) Preauthorized drafts. If you voluntarily give information about your Account (such as our routing
number and your Account number) to a party who is seeking to sell you goods or services, and you
do not physically deliver a check to the party, any debit to your Account initiated by the party to whom
you gave the information is deemed authorized by you.
(h) Automated Processing of Items. You recognize that the Bank has adopted automated collection
and payment procedures so that it can process the greatest volume of items at the lowest possible
cost to all customers. These automated procedures rely primarily on information encoded onto each
item in magnetic ink. In recognition of this fact, you agree that in paying an item, the Bank may
disregard all information on the item other than the identity of the drawee bank, the amount of the
item, and any other information encoded onto the item in magnetic ink according to general banking
standards, whether or not that information is consistent with other information on the item.
(i) Conversion of your checks to ACH entries. Some checks that you give to a merchant may be
converted by the merchant into what are called ACH debit entries, in which case they will be collected
electronically and charged against your account much more quickly than a paper check. This means
that (1) you will have a reduced right to stop payment, (2) you need to make sure that your account
has sufficient collected funds to cover the debt, and (3) you will not receive any copy of a cancelled
check with your monthly statement. If a merchant uses a blank check to initiate an ACH debit entry
at the point of sale, the merchant should return the voided check to you. You should treat the voided
check with care because someone else who obtains possession of it could use the information to
initiate additional debits against your account. A merchant who receives your check by mail should
give you notice of the conversion but will destroy the original check. Whether your check is converted
to an ACH debit at the point of sale or at the merchant’s lockbox, a description of the transaction will
appear on your monthly statement from us. Check writing privileges are not available with the
Forward Checking account.
(j) Posting Order. Generally, in the normal course of business, we post credits first, then, we
pay electronic debits, followed by in-clearing checks beginning with the lowest dollar amount.

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 HOW TO AVOID OVERDRAFTS (Excluding Forward Checking Accounts)
The best way to avoid overdrafts is to responsibly manage your finances. Maintain an accurate check
register. Each time a transaction is conducted on your checking account, enter it into your check register.
While it is impossible to list all types of transactions, here is our posting order for our most common types
of transactions. Cash deposits and withdrawals processed by a teller are posted in the order they are
received. Transactions not performed with a teller, such as electronic items and in-clearing checks, may
not be processed in the order in which they were transacted.
Generally, in the normal course of business, we post credits first, then, we pay electronic debits, followed
by in-clearing checks beginning with the lowest dollar amount. We reserve the right to change the order
of payment without notice to you if we suspect fraud or possible illegal activity affecting your account.
Contact us if you have any questions regarding transaction types and posting order. Check writing
privileges are not available with the Forward Checking account (This means you cannot write or use
physical checks to pay from this account). Fees for overdrafting the Forward Checking account are not
charged by us. You could be subject to fees from merchants to whom an item was returned.

STALE DATED CHECKS

We reserve the right to pay or dishonor a check more than six (6) months old without prior notice to you.
CHECKING ACCOUNTS
If your Account is a Checking Account, the following terms may apply. No interest will be paid on any
Demand Deposit Checking Account with us. If we offer interest bearing checking accounts, the account
must consist solely of funds in which the entire beneficial interest is held by one or more individuals in an
individual capacity, a sole proprietor, or a governmental unit, but not professional corporations or
business partnerships.

For Columbia Bank Forward Checking Accounts: We may decline or return transactions that would
result in an overdraft. Transactions that you make may cause your Account to overdraw but we will not
assess your Columbia Bank Forward Checking account a non-sufficient funds return item fee (overdraft
fee). For example, preauthorized transactions and other transactions may post to your Account even
when the balance in your Account is not sufficient to pay the transaction.

TIME DEPOSITS
If your Account is a time deposit, you have agreed to keep the funds on deposit until the maturity of your
Account. If your Account has not matured, any withdrawal of all or part of the funds from your Account
may result in an early withdrawal penalty. We will consider requests for early withdrawal and, if granted,
the penalty provided in the Deposit Account Disclosure will apply.
(a) Penalty: The early withdrawal penalty is calculated as a forfeiture of part of the accrued interest that
has or would be earned on the Account. If your Account has not yet earned enough interest so that
the penalty can be deducted from earned interest, or if the interest already has been paid, the
difference will be deducted from the principal amount of your Account. For fixed rate Accounts, we
will use the rate in effect for your deposit.
(b) Exceptions: We may let you withdraw money from your Account before the maturity date without an
early withdrawal penalty: (1) when one or more of you dies or is determined legally incompetent by
a court or other administrative body of competent jurisdiction; or (2) when the Account is an Individual
Retirement Account (IRA) established in accordance with 26 USC 408 and the money is paid, due
to revocation, within seven (7) days after the Account is opened; or (3) when the Account is a Keogh
Plan (Keogh), if you forfeit at least the interest earned on the withdrawn funds; or if the time deposit
is an IRA or Keogh Plan established pursuant to 26 USC 408 or 26 USC 401, and you become
permanently disabled or you die; or (4) within an applicable grace period (if any).

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 STOP PAYMENT ORDERS
Subject to certain limitations, you may order us to stop payment on any check or other item payable for
your Account whether drawn by you or any other Account Holder. The stop payment request will be
effective if we receive the order at such time and in such manner as to afford us a reasonable opportunity
to act upon the order. The stop payment order is effective for six (6) months, but it lapses after fourteen
(14) calendar days if the original order was oral and was not confirmed in writing within that period. A
stop payment order may be renewed for an additional six (6) if renewed during the effective time period.
We will require you to provide the date, the amount, and the number of the item, together with the name
of the payee.
If you give us incorrect information, we will not be liable for failing to stop payment on the item. Our
acceptance of a stop payment order will not constitute a representation that the item has not already
been paid or that we have a reasonable opportunity to act upon the order. You may not stop payment on
a money order or check (such as an official, certified, cashier’s, or teller’s check) issued by us, or request
us to stop payment if we have otherwise become accountable for the item. In addition, you may not stop
payment on checks governed by separate agreement, such as a check guaranty agreement. Further,
you may not stop payment on an item after acceptance of the item by us.
Based upon the type of Account ownership that you have designated, the following terms and conditions
apply:

INDIVIDUAL ACCOUNTS
An Individual Account is an Account in the name of one depositor only. Only that person may write
checks against the Account or withdraw money, regardless of who actually owns the funds.

MULTIPLE PARTY ACCOUNTS

All Multiple Party Accounts are subject to the provisions of the Multiple Party Deposit Accounts Act, P.L.
1979, c.491 (N.J.S.A.17:16 I-1, et.seq.). This section pertains to Multiple Party Accounts.
(a) Joint Account Ownership. An Account with two or more Account Holders is a Joint Account. Joint
Account Holders will be considered as joint tenants with right of survivorship. Each Account Holder
has a present right to payment from the Account. Each Account Holder owns his or her net
contribution to the Account. In the absence of proof of net contribution, and unless the Account
Holders have specifically otherwise agreed, each Account Holder will own an equal share of this
Account. Upon the death of one of the Joint Account Holders:
(1) Where there is only one surviving Account Holder, the entire Account will belong to the survivor.
(2) Where there are two or more surviving Account Holders, each survivor will continue to own his
or her proportionate share. The portion of the Account owned by the deceased party will be
shared equally by the survivors. Ownership of the Account cannot be changed by a Last Will and
Testament.
(b) Totten Trust Account. A Totten Trust Account is an informal Trust Account, as reflected on our
records. The Account belongs to the trustee(s) during the lifetime of the trustee(s) and belongs to the
beneficiary(s) upon the death of all trustees. Ownership of this Account cannot be changed by a Last
Will and Testament.
(1) Where there are two or more trustees, each trustee has a right to payment from the Account.
Each trustee owns his or her net contribution. In the absence of proof of net contribution and
unless the trustees have specifically otherwise agreed, each trustee will own an equal share of
the Account during his or her lifetime. Upon death of a trustee, the surviving trustee(s) will
continue to own his or her proportionate share of the Account. The share owned by the deceased
trustee will be shared equally by the surviving trustee(s). Upon the death of the sole surviving
trustee, the Account will belong to the beneficiary(s).
(2) Where there are two or more beneficiaries, the Account belongs to the beneficiary(s) who survive
all the trustees. Unless otherwise specifically stated in the Account by the trustee(s), each
surviving beneficiary will own an equal share of the Account. Unless specifically stated upon the
death of a surviving beneficiary, any remaining beneficiary(s) will not own any portion of the
deceased beneficiary’s share of the Account.

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 (c) P.O.D. Account. A Payable on Death (P.O.D.) Account is an Account payable to the Account
Holders during their lifetimes, and upon the death of the last Account Holder, ownership passes to
the named P.O.D. payee(s). The P.O.D. payee(s) have no present right of withdrawal. Ownership of
this Account cannot be changed by a Last Will and Testament.
(1) Where there are two or more Account Holders, each Account Holder has a right to payment from
the Account. Each Account Holder owns his or her net contribution. In the absence of proof of
net contribution and unless the Account Holders have specifically otherwise agreed, each
Account Holder will own an equal share of the Account during his or her lifetime. Upon death of
an Account Holder, the surviving Account Holder will continue to own his or her proportionate
share of the Account. The share owned by the deceased party will be shared equally by the
surviving Account Holders. Upon the death of the sole surviving Account Holder, the Account will
belong to the P.O.D. payee(s).
(2) Where there are two or more P.O.D. payee(s), the Account will belong to the payee(s) who
survive all Account Holders. Unless otherwise specifically stated in the Account by the Account
Holders, each surviving P.O.D. payee will own an equal share of the Account. Unless specifically
stated in the Account by the Account Holders, upon the death of a surviving P.O.D. payee, the
remaining P.O.D. payee(s) will not own any portion of the deceased payee’s share of the
Account.
For all Multiple Party Accounts, each Joint Account Holder, without the consent of any other Account
Holder, may, and hereby is authorized by every other Joint Account Holder, to make any transaction
permitted under the Agreement, including without limitation:
(1) to withdraw all or any part of the Account funds,
(2) to pledge the Account funds as collateral to us for any obligation whether that of one or
more Account Holders or of a third party,
(3) to endorse and deposit checks and other items payable to any joint Account Holder,
(4) to give stop payment orders on any check or item, whether drawn by that Account Holder or
not, and
(5) to close the Account, with the disbursal of Account proceeds as instructed by the Joint Account
Holder.
Each Joint Account Holder is authorized to act for the other Account Holder(s). We may accept orders
and instructions regarding the Account from any Joint Account Holder. If we believe there is a dispute
between Joint Account Holders or we receive inconsistent instructions from the Account Holders, we may
suspend or close the Account, require a court order to act, and/or require that all Joint Account Holders
agree in writing to any transaction concerning the Account. We have no liability for payments made
pursuant to the
Multiple Party Account Act. Any Multiple Party Account may be paid, on request, to any one or more
Account Holder. We may make payment from this Account, including payment of the entire Account
balance
(i) pursuant to any statutory or common law right of setoff, levy, attachment, or other valid legal
process or court order, relating to the interest of any one or more of the parties; and
(ii) on request of a trustee in bankruptcy, receiver in any state or federal insolvency proceeding,
or other duly authorized insolvency representative of any one or more of the parties. The
financial institution is not required to determine net contributions.
Your obligations under the Agreement are joint and several. This means that each Joint Account Holder
is fully and personally obligated under the terms of the Agreement, including liability for overdrafts and
debit balances as set forth above, even if only one Account Holder caused this to happen, knew about
it, or received a benefit from any overdraft or debit balances.

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 ADDITIONAL ACCOUNT TYPES
This section applies to other Deposit Account types.
(a) Formal Trust Account. A formal Trust Account is an Account held by one or more trustees for the
benefit of one or more beneficiaries according to a written trust agreement. Upon our request, the
trustee(s) will supply to us a copy of any trust agreement covering the Account. We act only as
custodian of the trust funds and are under no obligation to act as a trustee or to inquire as to the
powers or duties of the trustee(s). The trustee(s) and/or any person opening the Account, in their
individual capacity and jointly and severally, agree to indemnify and hold us harmless from and
against any and all loss, costs, damage, liability, or exposure, including reasonable attorney’s fees,
we may suffer or incur arising out of any action or claim by any beneficiary or other trustee with
respect to the authority or actions taken by the trustee(s) in handling or dealing with the Account.
(b) Uniform Transfers to Minors. If you have established the Account as a custodian for a minor
beneficiary under our state version of the Uniform Transfers to Minors Act, your rights and duties are
governed by the Act. Deposits in the Account will be held by us for the exclusive right and benefit of
the minor. The custodian and/or any person opening the Account, in their individual capacity, agree
to indemnify and hold us harmless from and against any and all loss, costs, damage, liability, or
exposure, including reasonable attorney’s fees, we may suffer or incur arising out of any action or
claim by any beneficiary or other custodian with respect to the authority or actions or claim by any
beneficiary or other custodian with respect to the authority or actions taken by the custodian in
handling or dealing with the Account.
(c) Agency Account. An Agency Account is an Account to which funds may be deposited and
withdrawals made by an Agent designated by the owner of the funds. An Agent has full authority with
regard to the Account but does not have an ownership interest in the Account. An Agency Account
is revocable at any time by notifying us in writing. An Agency designation may be combined with one
of the other forms of Account ownership.
(d) Business Accounts. If the Account is owned by a corporation, partnership, Limited Liability
Company, sole proprietorship, unincorporated association or any other natural person, then the
Account Holder must provide us with evidence to our satisfaction of the authority of the individuals
who sign the signature card to act on behalf of the Account Holder. On any transactions involving the
Account, we may act on the instructions of the person(s) authorized in the resolutions, banking
agreement, or certificate of authority to act on behalf of the Account Holder. You agree to notify us
in writing of any changes in the person(s) authorized or the form of ownership. If we receive conflicting
instructions or a dispute arises as to authorization with regard to the handling of the Account, you
agree we may place a hold on the Account until such conflict or dispute is resolved to our satisfaction
and we will not be liable for dishonored items as a result of such hold.
(e) Fiduciary Accounts. With respect to all fiduciary Accounts, including but not limited to Estate
Accounts, Guardianship Accounts, and Conservatorship Accounts, and the Accounts described in
subsections (a) through (c) above, we reserve the right to require such documents and authorizations
as we may deem necessary or appropriate to satisfy that the person(s) requesting or directing the
withdrawal of funds held in the Account have the authority to withdraw such funds. This applies at
the time of Account opening and at all times thereafter.

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 ASSIGNABILITY
The Account established under this Agreement is not assignable or transferable except with our consent.
We must approve any pledge on the Account and any such pledge remains subject to any right we have
under the Agreement and applicable state and federal law. If ownership is proposed to be transferred,
we may require the Account be closed and a new Account opened in the name of the transferee or
pledgee.

FINANCIAL INSTITUTION LIABILITY

You agree that if we do not properly complete a transaction according to the Agreement, we will not be
liable in any event for losses or damages in excess of the amount of the transaction, and we will not be
liable if circumstances beyond our control prevent the transaction, or the funds in your Account are or
may be subject to legal process or other claim. In no event will we be liable for consequential damages.
In receiving items from you for withdrawal or deposit, we act only as your agent. You are responsible for
the condition of a check or item when you issue it. If a check or item is returned or payment is delayed
as a result of any writing or marking that you or a prior endorser placed on the front or back of the check
or item, you will be responsible for any cost and liabilities associated with such return or delay. We
reserve the right to refuse any item for deposit or to reverse credit for any deposited items or to charge
your Account for items should they become lost in the collection process.

SETOFF AND SECURITY INTEREST

If you ever owe the Bank money as a borrower, guarantor or otherwise, and it becomes due, the Bank
has the right under the law (called “setoff”) and under this agreement (by which you grant the Bank a
security interest in your deposit account) to use the money from your account to pay the debt, even if
withdrawal results in an interest penalty or dishonor of checks, ACH, Debit Card, or Online Transactions.
In the case of a partnership or joint account, each partner or joint owner agrees that the Bank may use
the money in the account to satisfy any one of their individual obligations. Similarly, each partner or joint
owner agrees that the Bank may use the money in their individual accounts to satisfy obligations in the
joint account or partnership account. The security interest granted by this agreement is consensual and
is in addition to the Bank’s right of setoff. However, the setoff and security interest may not apply to your
account if (a) it is an IRA or a tax-deferred Keogh Retirement Account (b) the debt is created by a
consumer credit transaction under a credit card plan, or (c) the debtor’s right of withdrawal arises only in
a representative capacity.

DORMANT ACCOUNTS
If you have not made a withdrawal from, or a deposit to, your Account for any extended period of time
and we have been unable to contact you, your Account may be classified by us as dormant. Subject to
applicable law, we may charge an Inactivity Fee on the Account, and the Account will be presumed to be
abandoned. In accordance with state law, funds in abandoned Accounts will be remitted to the custody
of the applicable state agency. Prior to remitting the funds to the state, a service charge for administrative
costs will be deducted from the Account. We will then have no further liability to you for such funds. We
reserve the right not to send statements on Accounts we consider dormant, subject to applicable law.

ACCOUNT STATEMENTS
You are responsible for promptly examining your periodic statement and reporting any irregularities to
us. The periodic statement will be considered correct for all purposes and we will not be liable for any
payment made and charged to your Account unless you notify us in writing within certain time limits after
the statement and checks are made available to you. We will not be liable for any check that is altered
or any signature that is forged unless you notify us within ten (10) calendar days after the statement is
made available. Also, we will not be liable for any subsequent items paid, in good faith, containing an
unauthorized signature or alteration by the same wrongdoer unless you notify us within ten (10) calendar
days after the statement was made available. You must also report any other Account problem within ten
(10) calendar days after the statement was made available or lose your right to assert the problem against
us. You agree that our retention of check images does not alter or waive your responsibility to examine
your statements or change the time limits for notifying us of any errors.

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 ACCOUNT PASSBOOKS
You are responsible for promptly examining your passbook and reporting any irregularities to us. The
passbook will be considered correct for all purposes and we will not be liable for any payment made and
charged to your Account unless you notify us in writing within ten (10) calendar days of the transaction
being posted to the passbook. We will not be liable for any withdrawal slip that is altered or any signature
that is forged unless you notify us within ten (10) calendar days of the date the transaction is posted to
your passbook. Also, we will not be liable for any subsequent withdrawal made in good faith, containing
an unauthorized signature or alteration by the same wrongdoer unless you notify us within ten (10)
calendar days of the initial transaction being posted in the passbook. You must also report any other
Account problem within ten (10) calendar days after the transaction was posted to the passbook or lose
your right to assert the problem against us.

WHOLESALE WIRE AND ACH TRANSACTIONS

With respect to wire transfers or other transfers of funds not governed by the Electronic Fund Transfer
Act, you agree to enter into and comply with our wire transfer agreement and to comply with our security
procedures and this section. You also agree that you will not violate any laws of the Office of Foreign
Assets Control (OFAC) pertaining to wire and ACH transactions. We advise you that any receiving
financial institution (including us) is entitled to rely on any Account number you have provided even
though that Account number may identify a party different from the person or entity you have described
by name in any transfer order.

(a) Provisional Payment. Credit given by us to you with respect to an ACH credit or wholesale (wire)
funds transfer entry is provisional until we receive final settlement for such entry through a Federal
Reserve Bank. If we do not receive final settlement, you are hereby notified and agree that we are
entitled to a refund of the amount credited to your Account in connection with such entry, and the
party (the originator of the entry) making payment to you via such entry shall not be deemed to have
paid you the amount of such entry.

(b) Notice of Receipt. We will notify you of the receipt of payments in the periodic Account statements
we provide to you. You acknowledge that we will not give next day notice to you of receipt of an ACH
or wholesale (wire) funds transfer item.

NOTICES
The following terms apply to notices relating to your Account.
(a) Notice of Amendments. You agree that the terms and conditions of the Agreement, including without
limitation all rates, fees, and charges, may be amended by us from time to time. We will notify you of
amendments by (1) posting the same in a conspicuous place in the lobby of the Main branch of the
Bank and in all branches it may attain, or (2) sending by electronic delivery or (3) sending written
notice thereof to Account Holders at the most recent address indicated on the Bank’s records. When
required by federal law or regulation written notice will be provided in accordance with the timing
requirements of said law or regulation. Your continued use of the Account evidences your agreement
to any amendment. Notices will be sent to the most recent address shown on our records for your
Account. Only one notice will be given in the case of Joint Account Holders.
(b) Account Changes. An Account Holder desiring to change the form of an Account, or to stop payment
or vary payment under the terms of the Account, must give us written notice to effect the change.
The notice must be signed by the Account Holder, be received by us during the Account Holder’s
lifetime, and not be countermanded by further written order by the Account Holder during the Account
Holder’s lifetime. Any other person having a present right to payment by the terms of the Account
must effect any change to the terms of the Account in the same manner. Any Account Holder or
person authorized to sign on an Account is required to notify us in writing if any Account Holder or
other person authorized to sign on an Account dies or is declared incompetent by a court. It is your
responsibility to notify us of any change in your address or name. We are required to honor items
drawn only on the listed Account name. Further, we are required to attempt to communicate with
you only at the most recent address provided to us.

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 ACCOUNT TERMINATION
We may close your Account at any time without notice to you. We will consider your Account closed if
we close your Account, if you request your Account be closed or if you withdraw all funds in your Account.
Further, for security reasons, we may require you to close your Account and to open a new Account if
(a) there is a change in authorized signers, (b) there has been a forgery or fraud reported or committed
involving your Account, (c) any Account checks are lost or stolen, (d) you have too many transfers from
your Account, (e) any other provision of our agreement with you is violated. If we close your Account, we
may send you written notice that the Account is closed on the date we close the Account. You agree to
notify us of your intention to close your Account, and we hereby reserve the right to request the notice in
writing. After the Account is closed, we have no obligation to accept deposits or pay any outstanding
checks. You agree to hold us harmless for refusing to honor any check drawn on a closed Account.

ALTERNATIVE DISPUTE RESOLUTION – AGREEMENT TO ARBITRATE; JURY

TRIAL
WAIVER AND CLASS ACTION AND CLASS ARBITRATION WAIVER.
This section of your deposit account agreement constitutes the Arbitration Agreement between you and
us. READ THIS SECTION CAREFULLY AS IT AFFECTS HOW LEGAL DISPUTES BETWEEN YOU
AND US ARE RESOLVED. IF YOU DO NOT OPT OUT AS PROVIDED BELOW, ALL DISPUTES
BETWEEN YOU AND US WILL BE SUBJECT TO BINDING INDIVIDUAL ARBITRATION. Solely for
purposes of this Arbitration Agreement, the terms “we” and “us,” in addition to referring to Columbia
Bank, also refer to Columbia Bank’s employees, officers, directors, parents, agents, subsidiaries,
affiliates, successors and assigns. From time to time, you may have concerns having to do with your
account or other matters. Most concerns can be resolved by calling our customer service
representatives at 1 (800) 522-4167. In the event that a Dispute (defined below) arises between us, you
and we agree to resolve the Dispute exclusively through binding individual arbitration before the
American Arbitration Association (“AAA”) in accordance with terms set forth below (“Arbitration
Agreement”), and not through litigation in any court or any other forum. Some rights (such as the right
to obtain information from the other party and the right to appeal a decision) may be more limited in
arbitration than they would be in a court proceeding. You and we agree and acknowledge that in our
relationship arising from this deposit account agreement and your account, the parties are participating
in transactions that involve interstate commerce, and that the Federal Arbitration Act (“FAA”) governs
the interpretation and enforcement of this Arbitration Agreement.

JURY TRIAL WAIVER. YOU AND WE AGREE TO WAIVE ANY RIGHT YOU OR WE MAY HAVE TO
A JURY TRIAL AND TO THE OPPORTUNITY TO LITIGATE ANY DISPUTE IN COURT.

CLASS ACTION AND CLASS ARBITRATION WAIVER. YOU AGREE TO WAIVE ANY RIGHT YOU
MAY HAVE TO BRING A CLASS ACTION OR OTHER REPRESENTATIVE ACTION AGAINST US
OR TO PARTICIPATE IN A CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT
BY SOMEONE ELSE. ANY ARBITRATION SHALL BE INDIVIDUAL ARBITRATION, ON BEHALF
OF THE NAMED PARTIES
ONLY; THERE WILL BE NO CLASS ARBITRATION OR OTHER REPRESENTATIVE
ARBITRATION. You also agree not to join in a Dispute with anyone other than persons who are joint
account owners or beneficiaries on your account.

YOUR RIGHT TO OPT OUT FOR ACCOUNTS OPENED ON OR BEFORE JUNE 1, 2023. You have
the right to opt out of this Arbitration Agreement and doing so will not affect any other terms of this
deposit account agreement or your relationship with us. TO OPT OUT OF THIS ARBITRATION
AGREEMENT FOR ACCOUNTS OPENED ON OR BEFORE MAY 17, 2023, YOU MUST MAIL US
WRITTEN NOTICE OF YOUR DECISION, POSTMARKED BY JULY 15, 2023. Your opt out notice
must include your name, address, account number for each account you wish to opt out, and your
signature, and must be mailed to the “Notice Address” below.

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 YOUR RIGHT TO OPT OUT FOR ACCOUNTS OPENED OR CONVERTED AFTER MAY 17, 2023.
You have the right to opt out of this Arbitration Agreement and doing so will not affect any other terms
of this deposit account agreement or your relationship with us. TO OPT OUT OF THIS ARBITRATION
AGREEMENT FOR ACCOUNTS OPENED OR CONVERTED AFTER MAY 17, 2023, YOU MUST
MAIL US WRITTEN NOTICE OF YOUR DECISION, POSTMARKED WITHIN THIRTY (30) DAYS OF
THE OPENING OF YOUR NEW ACCOUNT WITH US OR THE CONVERSION OF YOUR ACCOUNT
FROM YOUR CURRENT BANK TO COLUMBIA BANK. Your opt out notice must include your name,
address, account number for each account you wish to opt out, and your signature, and must be mailed
to the “Notice Address” below.

Notice Address
Columbia Bank
Legal Department
19-01 Route 208 North
Fair Lawn, NJ 07410

The opt-out procedure set forth in the above paragraphs is the sole and only method by which you can
opt out of this Arbitration Agreement. For joint accounts, an opt-out notice signed by one account owner
shall apply to all owners listed on the account. This Arbitration Agreement will apply to any Dispute
relating to any account(s) for which we do not receive a timely and proper opt-out notice as described
in the above paragraphs (including Disputes involving account owners added to your account in the
future). If you do not opt out of the Arbitration Agreement as described in the above paragraphs, your
continued use of your account evidences your acceptance of the Arbitration Agreement’s terms.

Disputes Covered. The term “Dispute” includes any and all claims, disputes, actions or other
controversies, whether based in contract, tort, statute, fraud or any other legal or equitable theory,
that arise out of or are related to 1) this deposit account agreement; 2) your account; 3) any
transaction, service, product, fee, or offer related to your account; or 4) any other aspect of the
relationship between us, except for any Dispute related to or arising out of any loan transaction,
including, but not limited to, mortgage loans, credit facilities and swaps. Disputes subject to
arbitration include those based on present, future or past events (including events that occurred
before the effective date of this deposit account agreement or any earlier agreement governing the
terms and conditions of your account), whether asserted as original claims, counterclaims, cross-
claims, third-party claims, interpleaders, or in any other form. Notwithstanding the above, this
Arbitration Agreement will not apply to any action (including any putative class action) filed in a
court of competent jurisdiction on or before May 17, 2023.

Mail a Notice of Dispute. If you have a Dispute and our customer service representatives have
been unable to resolve it, you may pursue the Dispute by mailing a written Notice of Dispute to the
Notice Address listed above. The Notice must describe your Dispute and clearly state what you
want us to do. If we do not reach an agreement to resolve the Dispute within thirty (30) days after
we receive the Notice, either you or Columbia Bank may commence an arbitration proceeding or
seek relief in small claims court as specified below.

Small Claims Court Option. If a Dispute is for an amount up to the maximum amount that may
be sought in a small claims court in the jurisdiction in which you reside, you may elect to assert
your claim as an individual action in such small claims court, but in no other court, in lieu of
arbitration.

Initiating Arbitration. To start an arbitration, a party must send a Demand for Arbitration
(“Demand”) to the other party and submit a copy of the Demand and filing fee to the AAA. The form
of Demand, the ways to submit a Demand to the AAA, and other information about the arbitration
process are available at www.adr.org. If you are unable to pay the filing fee, we will pay it directly
upon receiving a written request at the Notice Address to do so.

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 Arbitration Procedures. The AAA will conduct the arbitration under applicable AAA Arbitration
Rules (“AAA Rules”), as those rules may be modified by this Arbitration Agreement. Disputes
involving consumers shall be subject to the AAA’s Consumer Arbitration Rules, as those rules may
be modified by this Arbitration Agreement. If there is a conflict between the AAA Rules and this
Arbitration Agreement, this Arbitration Agreement will control. Any Dispute submitted for arbitration
shall be heard and decided by a single arbitrator. For Disputes where the amount in controversy is
less than $10,000, the arbitration will be conducted pursuant to the AAA’s Procedures for the
Resolution of Disputes Through Document Submission, unless the arbitrator determines that an
in-person, telephone or video-conference hearing is necessary. For Disputes where the amount in
controversy is $10,000 or greater, the arbitration may be conducted in person, through the
submission of documents, or by phone or video-conference, and the parties’ rights to a hearing will
be determined by AAA Rules. Proceedings that are not conducted through the submission of
documents or by phone or video-conference will take place at a location reasonably convenient for
both of us, or if we are unable to agree, at a location determined by the arbitrator.

The arbitrator shall have exclusive authority to resolve any disagreement or controversy relating to
the validity, interpretation, scope or enforcement of this Arbitration Agreement, or any other part or
term of this deposit account agreement or the existence or validity of this deposit account
agreement as a whole (subject to the appellate and judicial review rights set forth below). All
statutes of limitation, defenses, and attorney-client and other privileges that would apply in a court
proceeding shall apply in and to the arbitration. No arbitrator shall have authority to entertain any
Dispute on behalf of a person who is not a
named party, nor shall any arbitrator have authority to make any award for the benefit of, or against,
any person who is not a named party. Judgment upon any arbitration award may be entered in any
court having jurisdiction.

The arbitrator is required to issue a written decision setting forth the decision and the reasons for
that decision. The arbitrator’s award shall be final and binding on all parties, except for any right of
appeal provided by the FAA. However, if the arbitrator determines that the Class Action and Class
Arbitration Waiver is invalid, void or unenforceable for any reason, in whole or in part, that
determination is immediately reviewable by a court of law, and the parties hereby submit to the
jurisdiction of such court for such purpose. The arbitration shall be stayed during the pendency of
any such judicial review, including any appeals, requests for rehearing or petitions for certiorari.

Costs. Except as otherwise provided in this Arbitration Agreement, the costs of arbitration will be
paid in accordance with AAA Rules. If you prevail in the arbitration, we will reimburse you for any
costs of the arbitration that you paid to the AAA (but not your attorneys’ fees, except as provided
below). If we prevail in the arbitration, you are not required to reimburse us for any costs of
arbitration that we paid to the AAA; however, if the arbitrator finds that your Demand was not made
in good faith or is frivolous, you agree to reimburse us the filing fee or any other monies previously
disbursed by us that are otherwise your obligation to pay under AAA Rules. Each party shall bear
the expense of their respective attorneys, experts, and witnesses and other expenses of arbitration,
regardless of who prevails, but the arbitrator
will have the authority to award attorneys’ fees and expert witness fees and expenses to the
prevailing party to the extent permitted by the AAA’s rules or applicable law.

Rights Preserved. This Arbitration Agreement does not prohibit you or us from exercising any
lawful rights or using other available remedies to preserve, or obtain possession of property;
exercise self-help remedies, including set-off rights; or obtain provisional or ancillary remedies such
as injunctive relief, attachment, garnishment or the appointment of a receiver by a court of
competent jurisdiction.

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 Modification. Notwithstanding Columbia Bank’s right to amend the terms of this deposit account
agreement, arbitration of any Dispute will be conducted pursuant to the terms of the Arbitration
Agreement in effect at such time as Columbia Bank receives Notice of the Dispute, in writing, at
the Notice Address listed above. If we make a change to this Arbitration Agreement (other than
address changes), you may reject that change by sending us written notice, within thirty (30) days
of the change, to the Notice Address listed above. If you do so, at our option, the most recent
version of this Arbitration Agreement that was in effect before the change you rejected will apply.
This Arbitration Agreement shall survive the closing of your account and remain binding on you
and your heirs, legal representatives, successors and assigns.

Severability. If any term of this Arbitration Agreement, other than the Class Action and Class
Arbitration Waiver, is deemed or found to be invalid, void or unenforceable for any reason, that
term shall be deemed severable and shall not affect the validity or enforceability of any remaining
term. The Class Action and Class Arbitration Waiver is non-severable and if, following the
conclusion of the judicial review process described above, it is deemed or found to be invalid, void
or unenforceable for any reason, this entire Arbitration Agreement shall be null and void.

SHARING INFORMATION
In addition to situations described elsewhere in the Deposit Account Agreement and Disclosure or other
agreements related to your Account, we will disclose information about your Account and transfers and
deposits you make when we are required to do so by statute or by court or governmental agency order,
or when you give us written direction to do so. Unless specifically prohibited by applicable state law, we
may, at our discretion, disclose information about your Account and transfers and deposits you make for
the purpose of verifying or completing a transaction or to verify the existence and condition of your
Account. You authorize us to request and obtain one or more credit reports about you from one or more
credit reporting agencies for the purposes of considering your application for the Account, reviewing or
collecting any Account opened for you, or for any other legitimate business purpose. You authorize us to
disclose information about your Account to a credit reporting agency if your Account was closed because
you have abused it. Unless otherwise instructed by you, in accordance with applicable law, we may also
provide certain other information about you or your Account to our subsidiaries or affiliates (persons
related by common ownership or affiliated by corporate control) in relation to products or services they
may offer.

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 MISCELLANEOUS PROVISIONS
If you or your Account becomes involved in any legal proceedings, your use of the Account may be
restricted. We shall be entitled to act upon any legal process served upon us which we reasonably believe
to be binding, with no liability to you for doing so. You understand that supervisory personnel may
randomly monitor customer service telephone conversations to ensure that you receive accurate,
courteous and fair treatment. If you ask us to follow instructions that we believe might expose us to any
claim, liability, or damages, we may refuse to follow your instructions or may require a bond or other
protection, including your agreement to indemnify us. You agree to be liable to us, to the extent permitted
by law, for any loss, costs, or expenses that we may incur as a result of any dispute or legal proceeding
involving your Account. You authorize us to deduct any such loss, costs, or expenses from your Account
without prior notice to you or to bill you separately. This obligation includes disputes between you and us
involving your Account and situations where we become involved in disputes between you and an
authorized signer, a joint owner, or a third party claiming an interest in your Account. It also includes
situations where any action taken on your Account by you, an authorized signer, a joint owner, or a third
party causes us to seek the advice of an attorney, whether or not we actually become involved in a
dispute.
Any action by us for reimbursement from you for any costs or expenses may also be made against your
estate, heirs and legal representatives, who shall be liable for any claims made against and expenses
incurred by us. If a court finds any provision of the Agreement to be invalid or unenforceable, such finding
shall not make the rest of the Agreement invalid or unenforceable. If feasible, any such offending
provision shall be deemed to be modified to be within the limits of enforceability or validity; however, if
the offending provisions cannot be so modified, it shall be stricken and all other provisions of the
Agreement in all other respects shall remain valid and enforceable.
The execution of a signature card by a depositor(s) upon the opening of this Account shall constitute an
Agreement by the depositor(s) to the above rules and/or regulations as are now in effect or hereafter
amended.

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 FUNDS AVAILABILITY DISCLOSURE STATEMENT YOUR ABILITY TO
WITHDRAW FUNDS FROM YOUR CHECKING OR SAVINGS ACCOUNTS
Our policy is to delay the availability of funds that you deposit into your checking or savings accounts.
During the delay, you may not withdraw the funds in cash and we will not use the funds to pay checks
that you have written.

DETERMINING THE AVAILABILITY OF A DEPOSIT

The length of the delay is counted in business days from the day of your deposit. Every day is a business
day except Saturdays, Sundays, and federal holidays.
If you make a deposit in person to a teller at a Columbia branch on a business day we are open, we will
consider that day to be the day of your deposit. However, if you make a deposit on a day we are not
open, we will consider that the deposit was made on the next business day we are open. The length of
the delay varies depending on the type of deposit.

DEPOSITS AT AUTOMATED TELLER MACHINES

Deposits may only be made at ATMs owned and operated by Columbia Bank, and located at a Columbia
Bank branch. All ATMs that we own or operate are identified as our machines.
If you make a deposit at an ATM before 4:00 PM on a business day we are open, we will consider that
day to be the day of your deposit. If you make a deposit at an ATM after 4:00 PM on a business day we
are open or at any time on a non-business day, we will consider that the deposit was made on the next
business day we are open. Funds from deposits of all other items will be governed by the rules below.

AVAILABILITY OF
DEPOSITS
SAME DAY AVAILABILITY
Funds from electronic direct deposits will be available on the day we receive the deposit.
Funds from cash, checks drawn on Columbia Bank and funds from wire transfers received for deposit at
Columbia branches will be available for withdrawal at Columbia branches on the business day we receive
the deposit. Checks drawn on Columbia Bank and deposited at Columbia Bank ATMs will be available
on the first business day after the day of your deposit.

NEXT DAY AVAILABILITY

The following paragraphs describe deposits which receive next day availability. Certain circumstances
may cause additional delays to the availability of these funds. Please refer to the section titled “Longer
Delays May Apply.”
Funds from cash and checks drawn on Columbia Bank deposited prior to 4:00 PM on a business day at
ATMs owned and operated by us will be available on the first business day after the day of your deposit.
Funds from the following deposits are available on the first business day after the day of your deposit:
• Traveler’s Checks

• U. S. Treasury checks that are payable to you.

• If you make the deposit in person to one of our employees, funds from the following deposits are
also available on the first business day after the day of your deposit:

• New Jersey State and Local Government checks that are payable to you.

• Cashier’s, certified, and teller’s checks that are payable to you.

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 • Federal Reserve Bank checks, Federal Home Loan Bank checks, and U.S. Postal Service
money orders, if these items are payable to you.

OTHER CHECK DEPOSITS

All Other Check When Funds Are

When Funds Are Available Available If A Deposit Is
Deposits Not Covered Above
Made On A Monday

$200 on the business day of your

Monday
deposit

$ 225 on the first business day after

the day of your deposit. Tuesday

Remaining funds on the second

business day after the day of your Wednesday
deposit
Foreign Checks Upon Collection Upon Collection

If you deposit from a combination of categories of checks, $225 from the checks will be available on the
first business day after the day of your deposit, not $225 from each category of checks.
If we cash a check for you that is drawn on another bank, we may withhold the availability of a
corresponding amount of funds that are already in your account. Those funds will be available at the time
funds from the check we cashed would have been available if you had deposited it. If we accept for
deposit a check that is drawn on another bank, we may make funds from the deposit available for
withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you
have on deposit in another account with us. The funds in the other account would then not be available
for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check
that you deposited.

LONGER DELAYS MAY APPLY: Funds you deposit by check may be delayed for a longer period
under the following circumstances:
• We believe a check you deposit will not be paid.

• You deposit checks totaling more than $5,525 on any one day.

• You redeposit a check that has been returned unpaid.

• You have overdrawn your account repeatedly in the last six months.

• There is an emergency, such as failure of communications or computer equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you
when the funds will be available. They will generally be available no later than the fifth business day after
the day of your deposit.

SPECIAL RULES FOR NEW ACCOUNTS

If you are a new customer, the following special rules will apply during the first 30 days your account is
open.
The first $5,525 from a deposit of U.S. Treasury checks will be available on the first business day after
the day of your deposit. The excess over $5,525 will be available on the seventh business day after the

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 day of your deposit. Funds from electronic direct deposits into your account will be available on the same
business day that we receive them. Funds from a wire transfer into your account will be available for
withdrawal on the same business day we receive the deposit.
Funds from deposits of cash made in person to an employee at a Columbia branch will be available for
withdrawal on the same business day we receive it.

Funds from the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s and state and
local government checks will be available on the first business day after the day of your deposit if the
deposit meets certain conditions. For example, the checks must be payable to you. The excess over
$5,525 will be available on the seventh business day after the day of your deposit.
Funds from all other check deposits will generally be available no later than the seventh business day
after the day of your deposit.

EDEPOSIT XPRESS
Customer agrees that all imaged checks will be subject to the Bank’s check hold polices set forth in the
eDeposit XPress Agreement and not subject to the Bank’s general check hold policies regarding Reg.
CC funds availability. Checks deposited remotely via eDeposit XPress will generally be made
available for withdrawal on the second Business Day after the deposit is posted to the account.
Columbia Bank reserves the right to apply longer delays and shall not be required to provide notice of
any such delay in availability.

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 ELECTRONIC FUND TRANSFER DISCLOSURE STATEMENT

IMPORTANT ATM SAFETY & SECURITY POINTS

• Always be alert to your surroundings and defer ATM transactions if circumstances cause you to
be apprehensive for your safety.

• Close the entry door of any ATM facility so equipped.

• Put away withdrawn cash before exiting any ATM facility.

• Direct any complaints concerning ATM security to an appropriate department of the owner of the
ATM or to the NJ Department of Banking at (609)-292-7272.

• If you have any concerns about the security of any ATM owned and operated by Columbia Bank,
call 1-800-522-4167 or the NJ Department of Banking at (609)-292-7272.

DISCLOSURE NOTICE
The Federal Electronic Fund Transfer Act (EFTA) and Regulation E of the Consumer Financial Protection
Bureau (collectively referred to as “Regulation E”) is intended to protect individual consumers engaging
in electronic funds transfers (EFTs). The EFTA defines certain rights and responsibilities when you use
our electronic banking services for personal accounts. This disclosure will explain those rights and
responsibilities. In addition, this disclosure will list and explain other rights and responsibilities you will
have when using our electronic banking.

DEFINITIONS
“EFT” stands for electronic fund transfers to or from your deposit account that are initiated through an
electronic terminal, telephone, computer, or magnetic tape. It includes:
• Deposit or withdrawal transfers processed through the automated clearing house (ACH)
• automated teller machines (ATM)
• point-of-sale (POS) transfers
• transfers initiated by phone
• transfers resulting from debit card transactions, whether or not initiated through an electronic
terminal
• electronic funds transfer using information from a check
“You” or “your” mean the Account Holder as well as persons you have authorized to conduct
transactions on your behalf.
“We” “our”, and “us” refer to Columbia Bank.
“ATM” means the automated teller machines owned and operated by Columbia Bank as well as those
installed by others that display the logo of Accel®, PLUS®, or VISA®.
“Debit Card” means your Columbia Bank Consumer, Business, and Health Savings Account (HSA) 24-
hour automated teller machine and point-of-sale (POS) Visa® Debit Card. Health Savings Account Debit
Cards, however, are not permitted to be used at ATMs.
“ONLINE BANKING” means the ability to access account information and conduct transactions on
specified accounts using a personal computer or other electronic devices through the Internet.

“PIN” means your confidential personal identification number or code that you have chosen to identify
yourself when using an ATM or to gain access by phone using our automated voice response system
(PhoneLinksm), or by making a purchase with either card at a point of sale (POS) terminal.

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 “PASSWORD” means your confidential code that you have chosen to gain access by computer or other
electronic devices to our Online banking system.
“BUSINESS DAYS” are Monday through Friday. Holidays, Saturdays and Sundays are not included as
business days.

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 TYPES OF ELECTRONIC FUND TRANSACTION SERVICES OFFERED

PREAUTHORIZED TRANSFERS
You may authorize, in advance, the following transfers:
• Direct deposit of pay into a checking, MMDA, statement or passbook savings account, provided that
your employer offers this service to its employees through us.

• Direct deposit of government payments (such as Social Security, Veteran’s Administration

compensation, Armed Services Retirement) Direct deposit of other credits (such as annuities or
dividends)

• Deductions to be transferred to other accounts

• Deductions for mortgage payments, insurance premiums or other recurring payments to a third party.

PHONELINKSM
You may use your account number and Personal Identification Number (PIN) to access your registered
checking, Statement Savings and Installment loan and Mortgage loan accounts by push button telephone
with tone capability to:
• Obtain information regarding the posting of checks, deposits and other transactions concerning
your accounts.

• Obtain the balances from your checking, MMDA, Statement Savings, Installment loan or
Mortgage loan accounts.

• Activate Debit Cards,

• Transfer funds between your checking, MMDA, Statement Savings, Installment loan or Mortgage
loan accounts. (Transfers between your accounts conducted up until 9:00 PM (ET) Monday through
Saturday will be posted to your account in real-time. All transfers completed after those hours, on
Sunday, and/or Holidays will occur in real-time but be effective the next business day.)

ONLINE BANKING
In order to access Online Banking you will be required to establish a user name, password and enroll in
multifactor authentication. Once established you can access your personal bank accounts and loans to
view balances, process transfers, make loan payments, view and enroll in eStatements and Bill Pay all
from the convenience of your computer or mobile device.

ATM TRANSACTIONS
Health Savings Account (HSA) customers are not permitted to conduct ATM transactions.
Customers issued Consumer Debit Cards or Business Debit Cards are permitted to conduct those
transactions, detailed as follows:
You may use your Debit Card and PIN to make the following transactions at ATMs owned and operated
by Columbia Bank. On those checking, MMDA, and Statement Savings Accounts listed on your
application, you may:
• Withdraw cash

• Make deposits

• Make balance inquiries

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 • Transfer funds between these designated accounts

• Make payments to any loans you have with Columbia Bank. (This will require that you deposit a
check or cash together with the loan coupon or tear-off slip into the ATM.)

At ATMs not owned and operated by Columbia Bank that display the Accel®, PLUS® and VISA® logos,
you may use your Debit Card and PIN to do the following on your checking, MMDA, and Statement
Savings Accounts:
• Withdraw cash

• Make balance inquiries

• Transfer funds between these designated accounts

PURCHASE TRANSACTIONS
In addition to the ATM Transactions listed above, you may use your VISA® Debit Card at any retail
establishment where VISA®, Accel®, and PLUS® are accepted to:
• purchase goods and services
• Get cash from a merchant or from a participating financial institution, if the merchant or financial
institution permits.
Note: Columbia Bank cannot return a transaction unpaid, even if your account is not in good standing, if
a merchant receives authorization for a purchase.

You may only use your Health Savings Account (HSA) Debit Card at specific establishments where
VISA®, Accel® and PLUS® cards are accepted for the purchase of goods and services for qualified
medical expenses.
Debit Cards may not be used to conduct any illegal transactions including but not limited to unlawful
Internet gambling. A receipt of your transaction is usually available when you conduct a point-of-sale
transaction with your Debit card. A receipt is not required if such transaction is $25.00 or less. Any
purchase refund will be posted to the same account.

TRANSACTION LIMITS

PREAUTHORIZED TRANSFERS

We do not impose any limitations on the frequency or dollar amounts of your preauthorized transfers,
provided there are sufficient funds in the account for the transfers, except the dollar amount for an online
bill payment transfer, which cannot exceed $9,999.99.
Statement savings accounts opened prior to March 1, 1998, (formerly called Combination Accounts)
permit check withdrawals. New Statement Savings Accounts opened after March 1, 1998, do not have
check writing privileges.

CONSUMER DEBIT CARD CUSTOMERS

You may use your Debit Card with your PIN to withdraw up to $1,000 from an Accel®, PLUS® and
VISA® ATM each calendar day; and purchase up to $1,000 in goods or services each calendar
day from merchants participating in the Accel®, PLUS® and VISA® programs, provided that you
have sufficient funds available for withdrawal. The $1,000 limit is a combination of PIN based
withdrawals at an eligible ATM network, purchases using your PIN from a merchant participating
in the named networks, and/or cash back from such merchant. Please keep in mind that

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 merchants may limit the amount of cash back they are willing to accommodate.
You may use your debit card without a PIN to purchase up to $3,500 each calendar day from merchants
participating in the VISA® program, provided that you have sufficient funds available for withdrawal. We
refer to this as a signature based transaction even if the merchant did not require a signature.
The day for the above limits starts at 12:00 A.M. (ET) each calendar day.

BUSINESS DEBIT CARD CUSTOMERS

You may use your Debit Card with your PIN to withdraw up to $1,000 from an Accel®, PLUS® and VISA®
ATM each calendar day and purchase up to $1,000 in goods or services each calendar day from merchants
participating in the Accel®, PLUS®, or VISA® programs, provided that you have sufficient funds available
for withdrawal. The $1,000 limit is a combination of PIN based withdrawals at an eligible ATM network,
purchases using your PIN from a merchant participating in the named networks, and/or cash back from
such merchant. Please keep in mind that merchants may limit the amount of cash back they are willing to
accommodate.

You may use your business debit card without a PIN to purchase up to $5,000.00 each calendar day
from merchants participating in the VISA® program, provided that you have sufficient funds available for
withdrawal. We refer to this as signature-based transaction even if the merchant did not require a
signature.

The day for the above limits starts at 12:00 AM (ET) each calendar day.

HEALTH SAVINGS ACCOUNT (HSA) DEBIT CARD CUSTOMERS

You may purchase up to $3,500.00 of qualified medical goods or services each calendar day from specific
merchants participating in the VISA® program provided you have sufficient funds available for withdrawal.
The total of all purchases each day cannot exceed $3,500.00.

The day for the above limits starts at 12:00 AM (ET) each calendar day.

ALL DEBIT CARD CUSTOMERS

For security reasons, there are limits on the number of times you can use your Debit Card and PIN each
calendar day. Frequency limitations may prevent transactions from being authorized. For security
reasons, these limits are not revealed.
Denials of Debit Card can be based on one or more of the following:

• exceeding the daily withdrawal or purchase limit

• not having adequate funds available in your account
• exceeding the daily frequency of usage limitation.

• exceeding the number of PIN attempts limit.

The receipt provided by the VISA®, Accel® and PLUS® ATM or the merchant terminal may notify you of
the denial. There is a limit on the number of such denials permitted. Attempts to exceed the limit may
result in the retention of your Debit Card at an ATM.
These limitations are imposed and not revealed for security purposes.

ADDITIONAL TERMS AND CONDITIONS

You may not stop payment immediately on a Debit Card purchase transaction. For this reason, you
should inquire about a merchant’s return or refund policy before entering into a POS/debit card
transaction. You are responsible for resolving all disputes concerning the quality of goods or services
purchased from a merchant that accepts the cards. Merchandise purchased using your Debit Card that
is subsequently returned will be reflected as a credit on your primary account statement.

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 Each time you use your Debit Card to conduct a debit card transaction, we have the right to place a hold
on a corresponding amount of funds in your primary checking, MMDA, or Statement Savings Account
until that transaction is posted against the account or 3 business days from the transaction authorization
date whichever comes first. Authorization requests for certain merchants may include an amount in
excess of the transaction amount (e.g. for gratuities at restaurants or additional services at hotels), in
which case we will place a hold on the authorized amount, though your account will only be debited for
the actual transaction amount. You agree not to withdraw or write checks against funds that are needed
to pay debit card transactions that have not yet been posted against your account (such as by writing
checks or obtaining ATM withdrawals).
You agree not to request debit card transactions that will exceed the day’s limit or create an overdraft in
your primary checking, MMDA, or Statement Savings Account. However, in the event an overdraft does
occur, you agree to immediately pay any overdraft related insufficient fund charges. You will be liable
even if we authorize a debit card transaction at a time when you did not have sufficient funds in your
primary checking, MMDA or Statement Savings Account to cover the transaction(s). We reserve the
right to return any Debit Card transaction that does not contain an authorization code. We may restrict
access to your accounts if we notice excessive use of the Card that we believe to be suspicious or have
unusual activity and/or patterns detected by a third-party security monitoring software. Access will be
reinstated once we notify you and have rectified any problems or we have reviewed your card transaction
activity and reactivated the card. You agree that we will not be liable for any damages resulting from a
failure or refusal for any reason to authorize a debit card transaction that you have attempted. You further
agree that we will not be responsible or liable for a participating merchant’s refusal to accept your Debit
Card. Deposits and payments accepted at ATMs owned and operated by Columbia Bank will be posted
to your account(s) according to the rules and regulations of the account(s) and our funds availability
policies which are contained in our disclosure statement required under the Expedited Funds Availability
Act. A current copy of the disclosure will be provided to you when your Debit Card application is
submitted. The cut-off time for deposits accepted at ATMs owned and operated by Columbia Bank to be
processed on the same business day is 4:00 PM (ET). Columbia Bank reserves the right to verify the
items deposited before such funds are made available to you; however, the availability of your deposit
depends on the type of account in which you deposit your funds, and the type of deposit. When all the
deposited funds become available, you may withdraw against the entire amount deposited up to the
withdrawal limit. Consult the rules and regulations of the particular account to which you are depositing
funds and our Funds Availability Disclosure Statement for more information about when your deposited
funds will be available for withdrawal. Your withdrawal limit will restrict the amount of funds that you may
withdraw against deposits that are made at ATMs owned and operated by Columbia Bank.

When all of the deposited funds become available, you may withdraw against the entire amount
deposited up to the withdrawal limit. Loan payments will only be accepted at ATMs which are owned and
operated by Columbia Bank. If the dollar amount on the items presented differs from the amount you
have indicated, we will adjust your account(s) to reflect the amount we have received and advise you of
any difference.

For Columbia Bank Forward Checking Accounts: We may decline or return transactions that would
result in an overdraft. Transactions that you make may cause your Account to overdraw but we will not
assess your Columbia Bank Forward Checking account an overdraft fee or return item fee. For example,
preauthorized transactions and other transactions may post to your Account even when the balance in
your Account is not sufficient to pay the transaction.

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 STOP PAYMENT OF PREAUTHORIZED PAYMENTS

If you have authorized us in advance to make regular payments out of your account, you can stop any of
these payments. Call us at 1-800-522-4167, or write us at Columbia Bank, 19-01 Route 208, Fair
Lawn, NJ 07410, ATTN: Customer Service Center, in time for us to receive your request three (3)
business days or more before the payment is scheduled to be made.
If you call, we may also require you to put your request in writing and get it to us within fourteen (14)
calendar days after you call. We will charge you the fee as established under the rules and regulations
governing the account for each stop payment order you give.

STOP PAYMENT OF PREAUTHORIZED ONLINE BILL PAYMENTS

If you have authorized in advance a payment using the Online bill payment service and wish to change
or cancel it, you can do so by using the service at any time 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 processor at 1- 800-825-4321, Monday through Friday, 7:00 a.m. to 9:00 p.m., Central
Time, (CT) and Saturday, 8:00 a.m. to 5:00 p.m. (CT). We will charge you the fee as established under
the rules and regulations governing the account for each stop payment order you give.
NOTICE OF VARYING AMOUNTS OF PREAUTHORIZED PAYMENTS

If your regular pre-authorized transfers may vary in amount, the person you are going to pay is required
to tell you, at least ten (10) days before each payment, when it will be made and how much it will be.

OUR LIABILITY FOR FAILURE TO STOP PAYMENT OF PREAUTHORIZED PAYMENTS

If you order us to stop one of these payments three (3) business days or more before the transfer is
scheduled, and we do not do so, we will be liable for your losses or damages. However, your instructions
for stop payments must be in accordance with the terms and conditions of the account.

DOCUMENTATION

At your option you may receive a printed receipt for each Accel®, PLUS® and VISA® ATM transaction
or Accel®, PLUS® and VISA® purchase transaction which you make at the time of the transaction. A
receipt is not required if such transaction is $25.00 or less. You should retain all receipts and reconcile
them to the transactions listed on your monthly statement. If you have a Checking, NOW, Statement
Savings or MMDA account, you will generally receive a monthly account statement indicating the
transfers to or from your account.
If you have funds withdrawn from a passbook account electronically, you will receive a statement for
each month it occurs, or quarterly, if there has been no activity during that period. If you have a passbook
account, you should periodically present the passbook to us so that we may record any preauthorized
electronic deposits made since the last time you brought your passbook to us. If you have arranged to
have direct deposits made to your account at least once every sixty (60) days from the same person or
company, you can call us at 1-800-747-4428, to find out whether or not the deposit has been made.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSACTIONS

You may telephone us at 1-800-522-4167 or write us at: Columbia Bank, 19-01 Route 208, Fair Lawn,
NJ 07410 Attn: Customer Service Center as soon as you can if you think your receipt, statement or
passbook record is wrong or if you need more information about a transaction listed on the statement or
transaction record. We must hear from you no later than sixty (60) days after we sent you the FIRST
statement on which the problem or error appeared. You must do the following:
• Tell us your name, account number and Debit Card number (if applicable).

• 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.

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 • 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
for preauthorized electronic transfers on Accel®, PLUS® and VISA® ATM transactions or PHONELINKsm
transactions, purchase transactions after we hear from you and will correct any error promptly. If we need
more time, we may take up to forty-five (45) days for preauthorized electronic transfers from Accel®,
PLUS and VISA® ATM or PHONELINKsm transactions conducted in the United States. Or we may take
ninety (90) days for ATM transactions conducted outside the United States or for POS debit card
transactions, including but not limited to merchant POS terminals, mail order, telephone and internet
orders conducted anywhere, to investigate your complaint or questions. If we decide to do this, we will
credit your account within ten (10) business days if it is a preauthorized electronic transfer from an
Accel®, PLUS® and VISA® ATM or PHONELINKsm transaction, or purchase transactions (5 business
days for Debit Card POS/debit transactions) 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) business 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.

YOUR LIABILITY FOR UNAUTHORIZED ELECTRONIC TRANSACTIONS:

Tell us AT ONCE if you believe your Debit Card and/or PIN has been lost or stolen or you believe an
electronic funds transfer has been made without your permission. Telephoning us is the best way to
keep your possible losses down. You could lose all your money in your account(s), including related
overdraft line of credit and overdraft protection accounts.
If you tell us within two (2) business days after you learn of the loss or theft of your Debit Card and/or
PIN, you can lose no more than $50.00 if someone used your Debit Card and PIN without your
permission or made an unauthorized electronic transaction.
If you do not tell us within two (2) business days after you learn of the loss or theft of your Debit Card
and/or PIN, and we can prove we could have stopped someone from using Debit Card and/or PIN without
your permission if you had told us, you could lose as much as $500.00
To the extent allowed under applicable law, we may increase the limit of the Debit Cardholder’s liability
for unauthorized VISA® transactions if we determine that the Debit Card holder was grossly negligent
or fraudulent in the handling of the account or card.
Also, if your statement shows electronic transfers or purchases that you did not make, including those
made by Debit Card,PIN or other means. tell us AT ONCE. If you do not tell us within sixty (60) days
after the statement was mailed to you, you may not get back any money you lost after the sixty (60) days
if we can prove that we could have stopped someone from taking the money if you had told us in time.
These time periods will be extended if you are unable to notify us for a good reason, such as a long trip
or hospital stay.

Protection for Certain VISA® Debit Card POS Transactions

Visa® Debit Card Transactions are referred to in the Visa® Zero Liability, describe below, are:
• purchase of goods and services
• getting cash from a merchant or from a participating financial institution, if the merchant or
financial institution permits.
Completed on the Visa® network
Under Visa® Zero Liability policy you may not be liable for the unauthorized use of your Debit Card that
results in a fraudulent POS transaction made over the Visa® network. To take advantage of the Zero

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 Liability policy you must notify us within sixty (60) days of the first statement containing the allegedly
unauthorized POS Transactions. We will extend provisional credit to you for any such unauthorized
charges or debits within five (5) days of your notification to us of such an unauthorized use.
The Visa® Zero Liability policy does not apply to:
• ATM transactions
• POS transactions made using a PIN that are not processed over the Visa® network
• POS transactions that are directly or indirectly caused by your gross negligence (which may
include not providing us notice in a timely manner) or fraud
• POS transactions made by you in excess of your authority

HOW TO CONTACT US

If you believe your Debit Card has been lost or stolen or if your PIN or password has been disclosed, or
an unauthorized transaction or purchase from any of your accounts has occurred, notify us immediately
at:
COLUMBIA BANK
1-800-522-4167*
19-01 Route 208, Fair Lawn, NJ 07410
Attn: Customer Service Center
*(During normal business hours of 7:30 AM to 8:00 PM, (ET) Monday through Friday; Saturdays and
Sundays 8:00 AM to 4:00 PM, ET)
After normal business hours, cardholders should call within the United States at 1-800-472-3272, and
outside the United States at 1-973-682-2652 (for collect calls).

OUR LIABILITY FOR FAILURE TO COMPLETE AN ELECTRONIC FUND TRANSFER TRANSACTION

If we fail to complete a transaction on time or in the correct amount, when properly instructed by you, we
will be liable for damages caused by our failure unless:
• there are insufficient funds in your account to complete the transaction through no fault of
ours the funds in your account are unavailable
• the funds in your account are subject to legal process
• the transaction you request would exceed the funds in your account
• the Accel®, PLUS® or VISA® ATM has insufficient cash to complete the transaction
• your Debit Card has been reported lost or stolen and you are using the reported Debit
Card we have reason to believe that the transaction requested is unauthorized
• the failure is due to an equipment breakdown which you knew about when you started the
transaction at the Accel®, PLUS® or VISA® ATM, or Accel®, PLUS® or VISA® Merchant
terminal
• the failure was caused by an act of God, fire or other catastrophe, or by an electrical or computer
failure or by another cause beyond our control
• you attempt to complete a transaction at an Accel®, PLUS® or VISA® ATM, or Merchant
terminal which is not a permissible transaction as detailed under the heading “ATM
Transactions” or “Purchase Transactions.”
• the transaction would exceed security limitations on the use of or Debit Card
• you haven’t provided us with complete and correct payment information, including but not limited
to name, address, account number and payment amount for a merchant/payee
• you have not properly followed the instructions for processing transactions on Online or Mobil

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 Banking (including the scheduling of payments or transfers)
• your operating system/telephone system was not functioning properly

In any case, we shall only be liable for actual proven damages if the failure to make the transaction
resulted from a bona fide error despite our procedures to avoid such errors.

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 DISCLOSURE OF ACCOUNT INFORMATION

We will disclose information about your account or the transactions you make to third parties
• in connection with your application for a Debit Card, or Online banking services
where it is necessary to complete transactions
• where it is necessary to resolve an error or an inquiry as to an alleged error
• to verify the existence and standing of your account with us upon the request of a third party,
such as a credit bureau
• in accordance with your written permission
To support card loyalty programs
• To provide fraud control services
• To VISA®, its members, or their respective contractors for the purpose of providing various card
services and or programs
• in order to comply with court orders or government or administrative agency summonses,
subpoenas, orders, examinations and escheat reports, and/or on receipt of certification from a
federal agency or department that a request for information is in compliance with the Right to
Financial Privacy Act of 1978.

DEBIT CARD FEES AND CHARGES

Listed below are the fees and charges currently associated with electronic transactions. The fees and
charges may or may not apply based on the terms and conditions of the accounts processing electronic
transactions.
All Columbia Bank Debit Card cardholders who use a Debit Card at an ATM that is not owned and
operated by us may have a surcharge imposed by the owner or operator of the ATM. You agree to be
responsible for any such surcharges that are imposed. In addition, all service charges and fees relating
to the specific account(s) you have with Columbia Bank continue to apply.
There are currently no charges or fees for using a Debit Card and PIN at an ATM owned and operated
by Columbia Bank. If you use Debit Card to conduct electronic fund transactions or inquiries at ATMs not
owned or operated by us which bear the Accel®, PLUS® and VISA® logos, the charges that will apply
are listed below.
Please refer to the General Schedule of Fees for information about any fees for Online Banking access
and Online Banking bill payment services. We reserve the right to change our fee schedule from time to
time and to charge your account in accordance with the revised fee schedule. We will notify you of a
change in fees at least twenty-one (21) days prior to the effective date of the change.

Non-Columbia Bank ATM

Cash Withdrawal $2.00
International Service Assessment (ISA) Fee 3.00% of Transaction Amount

If your Debit Card is lost, stolen, or damaged, the charge to re-issue another card is $5.00. The fee to
expedite delivery of a debit card is $40.00.
An additional International Service Assessment fee of 3.00% of each Transaction amount will be charged
for each international transaction. These charges will be debited from the account(s) affected and will be
reflected on the periodic statement.

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 CURRENCY CONVERSION AND INTERNATIONAL TRANSACTIONS

When you use your VISA® branded debit card at a merchant that settles in currency other than US
dollars, the charge will be converted Into the US dollar amount. The currency conversion rate used to
determine the transaction amount in US dollars is either:
• A rate selected by VISA® from the range of rates available in wholesale currency markets for the
applicable central processing date, which rate may vary from the rate VISA® Itself receives, or
• The government-mandated rate in effect for the applicable central processing date.
In each instance, plus or minus any adjustment determined by the issuer.
The conversion rate in effect on the processing date may differ from the rate in effect on the transaction
date or posting date. International Service Assessment for currency conversion is 3% of the transaction
total. An International transaction is a transaction where the country of the Merchant is outside the USA.

MOBILE DEPOSIT TERMS AND CONDITIONS

Mobile Deposit is designed to allow a consumer to make deposits of checks (“original checks”) to His or Her
account(s) using His or Her mobile device (IPhone, Android and/or other smart phone devices) by taking a
picture of the original check(s) and delivering the digital image(s) and associated deposit information
(“images”) to Columbia Bank via the consumer’s Mobile Device. To use Mobile Deposit, you must be an
internet banking customer and your accounts with us must be in good standing. You can register for Mobile
Deposit by downloading our Mobile Banking App from the App store associated with your device. You will
need to click on the Deposits tab within the App to agree to the terms and conditions of Mobile Deposit.

1. LIMITS
Mobile Deposits are limited in amount to $10,000.00 per business day, with a 5 consecutive
business day limit of $50,000.00.

Upon the initial acceptance of the Mobile Deposit terms and conditions, you will be considered a new
user of Mobile Deposit for the first 60 calendar days and will be limited to $1,000.00 per business day
in Mobile Deposits and have a monthly limit of $2,500.00. After this 60 calendar day period, the limits
in the paragraph above will apply.

These amounts are subject to change.

2. ELIGIBLE ITEMS
You agree to take a picture of and deposit only original check(s) (i.e., drafts drawn on a bank, savings
bank or Credit Union and payable on demand.)
You agree that you will not use Mobile Deposit to deposit:

• Checks payable to any person or entity other than you (i.e., payable to another party and then
endorsed to you).
• Checks payable to you and another party who is not a joint owner on the account into which
you deposit the check.
• Checks that contain evidence of alteration, or that you know or suspect, or should know or
suspect, are fraudulent or otherwise not authorized by the owner of the account on which the
check is drawn.

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 3. REQUIREMENTS
An image of the front of the original check and an image of the back of the original check with the
proper endorsement is required. Each image must provide all information on the front and back of
the original check at the time presented to you by the drawer, including, but not limited to, information
about the drawer and the paying bank that is preprinted on the original check, MICR information,
signature(s), any required identification written on the front of the original check and any
endorsements applied to the back of the original check. The image quality must meet the standards
established by the American National Standards Institute, the Board of Governors of the Federal
Reserve, and any other regulatory agency, clearing house or association.
Endorsements must be made on the back of the check or share draft within 1½ inches from the top
edge, although in our sole and absolute discretion, we may accept endorsements outside this space.
Your endorsement must include “FOR MOBILE DEPOSIT ONLY TO COLUMBIA BANK”, your
signature and account number. Any loss we incur from a delay or processing error resulting from an
irregular endorsement or other markings by you will be your responsibility.
A check payable to two payees must be endorsed by both payees. If the check is payable to you or
your joint owner, either of you can endorse it. If the check is made payable to you and your joint
owner, both of you must endorse the check.
4. RECEIPT OF DEPOSIT
All images once accepted and processed for deposit through Mobile Deposit will be treated as
“deposits” under your current Deposit Account Agreement with us and will be subject to all terms of
the Deposit Account Agreement. Once you have successfully transmitted your check image, you
have the ability to receive an electronic confirmation of your transmission. Confirmation does not
mean that the image contains no errors. We are not responsible for any image that we do not receive.
Following receipt, we may process the image by preparing a “substitute check” or clearing the item
as an image.
We reserve the right, at our sole and absolute discretion, to reject any image for deposit into your
account.
We will notify you of rejected images.
5. ORIGINAL CHECKS
After you confirm you Mobile Deposit has been posted into your account, you must securely store
the original check for 14 calendar days after transmission to us and make the original check
accessible to us at our request. Should we request the original check, you will deliver to us within 14
calendar days, at your expense, the requested original check in your possession. If not provided in
a timely manner, the amount of the check will be deducted from your account. Promptly after the 14th
calendar day period expires, you must destroy the original check by first marking it “VOID” and
then destroying it by cross-cut shredding or another commercially acceptable means of
destruction. After destruction of an original check, the image will be the sole evidence of the original
check.
You agree that you will never re-present the original check to us or to anyone else.

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 6. RETURNED DEPOSITS
Any credit to your account for checks deposited using Mobile Deposit is provisional and subject to
all terms of your current Deposit Account Agreement with us. If original checks deposited through
Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are
rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited
to, issues relating to the quality of the image, you agree that an original check will not be returned to
you and we will charge back the amount of the original check, charge a fee, and provide you with an
image of the original check, a paper reproduction of the original check or a substitute check. You will
reimburse us
for all loss, cost, damage or expense caused by or relating to the processing of the returned item.
Without our approval, you shall not attempt to deposit or otherwise negotiate an original check /
Imaged Returned Deposited Item if it has been charged back to you.
We may debit any of your accounts to obtain payment for any item that has been rejected or returned,
for any adjustment related to such item or for any warranty claim related to such item, whether or not
the rejection, return, adjustment or warranty claim was made timely.
7. YOUR WARRANTIES
In addition to all warranties provided by applicable law and contained within your current Deposit
Account Agreement with us, you make the following warranties and representations with respect to
each image:
• Each image is a true and accurate rendition of the front and back of the original check, without
any alteration, and the drawer of the check has no defense against payment of the check.
• The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check
are legible, genuine, and accurate.
• You will not present, deposit, otherwise negotiate or otherwise endorse to a third party the
original check.
• No person will receive a transfer, presentment, or return of, or otherwise be charged for, the
original check or a paper or electronic representation of the original check such that the person
will be asked to make payment based on an item that has already been paid.
• There are no other duplicate images of the original check.

• The original check was authorized by the drawer in the amount stated on the original check and
the image provided to Columbia Bank by Mobile Deposit and was payable to the payee(s) stated
on the original check and the image provided to Columbia Bank by Mobile Deposit.
• You are authorized to enforce and obtain payment of the original check.
• You have possession of the original check and no person will submit the original check for
payment.

With respect to each image provided to Columbia Bank by Mobile Deposit, you further make to us
all representations and warranties that we make or are deemed to make to any person pursuant to
law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain
no viruses or any other disabling features that may have an adverse impact on our network, data, or
related systems.

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 8. COMPLIANCE WITH LAW
You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and
regulations. You warrant that you will only transmit acceptable items for deposit and have handled
the original items in accordance with all applicable laws, rules and regulations.
9. MOBILE DEPOSIT UNAVAILABILITY
Mobile Deposit may be unavailable temporarily due to system maintenance or technical difficulties,
including those of the Internet service provider, cellular service provider and Internet software. In the
event that Mobile Deposit is unavailable, you may deposit original checks at our branches or through
our ATMs, in which case you shall not make a Mobile Deposit of any such original check and shall
destroy all images of any such original check.
10. FUNDS AVAILABILITY
The amount of the Mobile Deposit check image received prior to 4:00 PM ET on a business day will
be deposited to your account on the date the image is received.
The amount of the Mobile Deposit check image received after 4:00 PM ET on a business day,
Saturday, Sunday or Holiday will be deposited to your account on the following business day after
10:00 AM ET.
Customer agrees that all imaged checks are not subject to the Bank’s general check hold policies
regarding Reg. CC funds availability. A check deposited remotely via mobile deposit will generally
be afforded $200 funds availability the same Business Day that the deposit is posted to the
account. All remaining funds will generally be made available by the second Business Day after
the deposit is posted to the account. Columbia Bank reserves the right to apply longer delays and
shall not be required to provide notice of any such delay in availability.
If a deposited item is returned to us at any time for any reason including, but not limited to, a claim
for any breach of warranty and/or according to any law, regulation or rule (including a clearinghouse
rule), by the bank on which it is drawn or any collecting bank, we may accept that return and charge
the item back against your account without regard to whether the other bank finally paid the item or
returned the item in accordance with any applicable midnight deadline or clearinghouse rule even if
this causes your account to become overdrawn. We may debit your account for any interest you may
have provisionally earned on the item. We may charge you a fee for each returned item.
11. BUSINESS DAYS
Our business days are Monday through Friday, except holidays. Checks deposited on a Saturday,
Sunday or a holiday will be treated as deposited after 10:00 AM ET on the next business day.
12. MOBILE DEPOSIT SECURITY
You will complete each deposit promptly. If you are unable to complete your deposit promptly, you
will ensure that your mobile device remains securely in your possession until the deposit has been
completed. It is your responsibility to establish and maintain procedures to safeguard against
unauthorized deposits. You will notify us immediately by telephone at 1-800-522-4167 and with
written confirmation if you learn of any loss or theft of original checks that were imaged and deposited.
You will ensure the safety and integrity of original checks from the time of receipt until the time of
destruction. If warranted in our reasonable judgment, we may audit and monitor you, and you agree
to cooperate with us to permit such monitoring, to confirm that you have satisfied your obligations
under this Agreement.

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 13. YOUR RESPONSIBILITY
You are solely responsible for the quality, completeness, accuracy, validity and integrity of the image.
You are solely responsible if you, intentionally or unintentionally, submit fraudulent, incorrect or
illegible images to us or if Mobile Deposit is used, by authorized or unauthorized persons, to submit
fraudulent, unauthorized, inaccurate, incorrect or otherwise improper or unusable images to us.
In addition you agree that you will not modify, change, alter, translate, create derivative works from,
reverse engineer, disassemble or decompile the technology or Service, copy or reproduce all or any
part of the technology or Service; or interfere, or attempt to interfere, with the technology or Service.
We and our technology partners, inclusive of, but not limited to, Intuit, Inc. and Ensenta Corporation,
retain all rights, title and interests in and to the Services, Software and Development made available
to you.
14. ACCOUNTHOLDER’S INDEMNIFICATION OBLIGATION
You agree to defend, indemnify us and hold us harmless against any and all claims, actions,
damages, liabilities, costs, and expenses, including reasonable attorneys’ fees and expenses arising
from your use of the Services and/or breach of this Disclosure and Agreement. You understand and
agree that this paragraph shall survive the termination of this Agreement.
15. DISCLAIMER OF WARRANTIES
YOU AGREE THAT YOUR USE OF ANY MOBILE DEPOSIT AND ALL INFORMATION AND
CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON
AN “AS IS” AND “AS AVAILABLE” BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS
TO THE USE OF ANY MOBILE DEPOSIT SERVICE, WHETHER EXPRESS OR IMPLIED,
INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE MAKE NO
WARRANTY THAT ANY REMOTE DEPOSIT WILL MEET YOUR REQUIREMENTS OR WILL BE
UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. WE MAKE NO WARRANTY THAT THE
RESULTS THAT MAY BE OBTAINED WILL BE ACCURATE OR RELIABLE OR THAT ANY
ERRORS IN ANY MOBILE BANKING SERVICE OR TECHNOLOGY WILL BE CORRECTED.
16. LIMITATION OF LIABILITY
YOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL,
CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES
FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES INCURRED BY YOU OR
ANY THIRD PARTY ARISING FROM OR RELATED TO THE USE OF, INABILITY TO USE, OR
THE TERMINATION OF THE USE OF ANY MOBILE BANKING SERVICE, REGARDLESS OF THE
FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR
OTHERWISE), EVEN IF WE HAVE BEEN INFORMED OF THE POSSIBILITY THEREOF, EXCEPT
AS OTHERWISE REQUIRED BY LAW.
17. FINANCIAL INFORMATION
You must inform us immediately of any material change in your financial circumstances or in any of
the information provided in your Application for any Mobile Banking services. You agree to provide
us any financial information we reasonably request during the term of this Agreement. You authorize
us to review your history from time to time.

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 18. ACCOUNT TERMINATION, AMENDMENT AND ASSIGNMENT
Columbia Bank reserves in its sole and absolute discretion, the right to unsubscribe your account(s)
from Mobile Deposit Capture for any reason whatsoever including, but not limited to the following
reasons:
• Excessive return of Mobile Deposit Images

• Excessive overdrafts and/or uncollected activity during any six month period

• Excessive returned deposited items, whether Mobile images or original check(s) deposited
at a Columbia Bank Branch or ATM

• Any other misuse or handling of your account(s) that is not usual with sound banking
practices.

We reserve the right to terminate or amend this Agreement, or your access to Mobile Deposit, 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 an email address we have on file. We may also assign or delegate certain of our
rights and responsibilities under this Agreement to independent contractors or other third parties.

• End.

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