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Columbia Bank understands the importance of protecting your confidential information and financial records. Our philosophy and corporate culture is, and has always been, to protect your confidential information. We are providing you our privacy policy, as required by law, to explain our information practices.

We want you to understand what information we collect and how we use it, which is summarized in this Privacy Policy. It reflects the corporate culture of our bank. It is our commitment not to share confidential customer information with non-affiliated companies, other than as permitted by law.

Columbia Bank maintains procedures that are designed to protect confidential information about you, and the products and services you receive from us. To provide you with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information.

We will NOT sell personally identifying information to a non-affiliated company for the purpose of solicitation. Nor will we provide confidential information to a non-affiliated company for its own use.

For example, we obtain information about your credit history and your home in order to process an application for a home loan. We ask for your Social Security number when you open a new savings account because we are required to do so by the Internal Revenue Service. We collect other personal identifying information so that we can identify you and protect your accounts from fraud.

We are permitted and sometimes required under law to disclose confidential information about you to non-affiliated companies under certain circumstances.

We may also disclose information we gather from you, as described above, to companies that perform marketing services on our behalf or to other financial services institutions with which we may have joint marketing agreements.

We may share information with financial service providers with which we offer products such as credit cards. Under these joint marketing arrangements, a limited amount of information about you or your account may be provided to the non-affiliated company under an agreement requiring that the non-affiliated company keep your information confidential and not use it for any other purpose.

We do this to enhance the products and services we offer and to better meet your financial services needs. In all circumstances, we do require strict confidentiality by the receiving parties and limit the use of the information to the purpose for which it was disclosed.

When a non-affiliated company is used to provide specific services for us, we select ones whom we believe to have similar privacy standards as Columbia Bank.

We do not provide information about you for the purpose of independent telemarketing or direct mail marketing. We do not sell our customer lists to catalogs, magazines or direct mail companies.

Our employees are trained to understand the importance of confidentiality and respect customer privacy. We have standards in place to protect your information and limit access to customer information only to those employees with a business need for knowing such information. Employees who violate these standards are subject to disciplinary measures.

Keeping your account information accurate and up-to-date is very important. We provide you with access to your account information through various means, such as account statements, telephone banking and online banking. If you discover that your account information is incomplete, inaccurate, or not current, please contact us. We will promptly update or correct any erroneous information.

We take steps to safeguard your information. We maintain physical, electronic and procedural safeguards to protect your confidential information and financial records. We have established security standards and procedures to prevent unauthorized access to your information. These standards are for both our traditional banking products and services and electronic online services. In addition, we ensure the destruction of any material that can be designated as consumer information through a third party engaged in the business of record destruction.

The Internet banking system brings together a combination of industry-approved security technologies as well as best practice procedures to protect your financial data and identity. Columbia Bank is equally committed to protecting the privacy of customer information on the Internet. For information on the Internet security measures Columbia Bank applies, refer to the online banking security statement at our website:www.columbiabank.com/security_statement.html.

When you access information about us through our Internet web site, www.columbiabank.com, you should know that we use non-affiliated companies to assist us in delivering these online products and services to you. In doing so, Columbia Bank, as well as the non-affiliated companies, may retain the information you provide when accessing the web site or using online products or services to better serve you.

Our web site and Columbia Online contains hyperlinks to other sites operated by non-affiliated companies. When you click on a link you will leave our site and go to the linked site. We are not responsible for the contents, your use of, or the security of the linked site. We recommend that you review the privacy policies posted on the non-Columbia Bank web sites you visit.

Identity theft is a concern for any consumer and to combat this threat, we recommend that you verify the information being reported to a consumer reporting agency at least annually. Due to recent legislation, you are entitled to a free annual credit report and can request a report by calling 1-877-322-8228 or visiting the website www.annualcreditreport.com.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver's license or other identifying documents.

If you decide to close your account(s) or your account becomes inactive, we will continue to adhere to the privacy standards and practices described in this policy.

The provisions and explanations in this Policy supersede all previous notices or statements with respect to the subject matter. We reserve the right to change the provisions and explanations in this Privacy Policy at any time.

We hope that our Privacy Policy answers any questions you may have concerning our use of your confidential information. If you have any questions or comments regarding our Privacy Policy please contact your branch or call 1-800-305-1905.

MEMBER FDIC

Mt. Rainier Bank

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