Terms and Conditions

1. Introduction

Welcome to Columbia Bank. These Terms and Conditions ("Terms") govern your access to and use of Columbia Bank's website, mobile applications, and banking services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our Services.

Please read these Terms carefully along with our Privacy Policy, which is incorporated by reference into these Terms.

2. Definitions

In these Terms:

• "Columbia Bank," "we," "us," and "our" refer to Columbia Bank and its affiliates, subsidiaries, officers, directors, employees, agents, and service providers.
• "You" and "your" refer to the individual or entity accessing or using the Services.
• "Account" means any account you maintain with Columbia Bank.
• "Content" means all information, text, images, data, links, software, or other material accessible through our Services, whether created by us or provided by third parties.

3. Account Registration and Security

To access certain features of our Services, you may need to register for an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Keep your account credentials confidential
• Be responsible for all activity that occurs under your account
• Notify us immediately of any unauthorized use of your account or any other breach of security

We reserve the right to terminate or suspend your account at any time for any reason, including, without limitation, if we suspect unauthorized or fraudulent activity.

4. Online Banking Services

Our online banking services are subject to the following terms:

4.1 Eligibility

To use our online banking services, you must:

• Maintain an eligible account with Columbia Bank
• Be at least 18 years old or have a parent/guardian's permission if you are a minor
• Have a valid Social Security Number or Tax Identification Number
• Provide a valid email address
• Access our services from a supported device with internet access

4.2 Services Offered

Our online banking services may include:

• Account access and management
• Fund transfers between accounts
• Bill payment services
• Mobile check deposit
• Account statements and transaction history
• Alerts and notifications
• Customer service

4.3 Service Limitations

We may establish limits on transaction amounts, frequency, and types. These limits may be changed at any time at our discretion. We may also refuse to process any transaction that exceeds these limits or appears suspicious.

4.4 Service Availability

We strive to provide uninterrupted access to our online services, but we do not guarantee that the services will be available at all times. Services may be unavailable due to scheduled maintenance, system upgrades, or unforeseen circumstances.

5. User Conduct

When using our Services, you agree not to:

• Violate any applicable law, regulation, or these Terms
• Infringe upon the rights of any third party
• Submit false, misleading, or inaccurate information
• Engage in any fraudulent or illegal activity
• Interfere with or disrupt the operation of our Services or servers
• Attempt to gain unauthorized access to any part of our Services
• Use our Services for any commercial solicitation purposes without our prior written consent
• Reverse engineer, decompile, or disassemble any portion of our Services
• Harvest or collect user information without their consent
• Transmit any viruses, malware, or other malicious code

6. Fees and Charges

You agree to pay all fees and charges associated with your accounts as outlined in our Fee Schedule, which may be amended from time to time. We will provide notice of any fee changes in accordance with applicable law and your account agreements.

You are also responsible for any third-party fees that may apply, such as internet service provider fees, mobile carrier data charges, or text messaging rates when using our Services.

7. Intellectual Property

All content, features, and functionality of our Services, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software, are the exclusive property of Columbia Bank or its licensors and are protected by United States and international copyright, trademark, patent, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for personal, non-commercial purposes. This license does not include:

• Any resale or commercial use of our Services or content
• Any collection and use of product listings, descriptions, or prices
• Any derivative use of our Services or content
• Any downloading or copying of account information for the benefit of another merchant
• Any use of data mining, robots, or similar data gathering and extraction tools

8. Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, COLUMBIA BANK DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

COLUMBIA BANK DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICES OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. COLUMBIA BANK DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE SERVICES IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL COLUMBIA BANK BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES
• ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICES
• ANY CONTENT OBTAINED FROM THE SERVICES
• UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT

COLUMBIA BANK'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICES IS LIMITED TO THE AMOUNT YOU HAVE PAID TO COLUMBIA BANK FOR THE SERVICES DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE DATE ON WHICH THE CLAIM AROSE.

10. Indemnification

You agree to defend, indemnify, and hold harmless Columbia Bank, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Services, including, but not limited to, any use of the Services' content, services, and products other than as expressly authorized in these Terms.

11. Governing Law and Jurisdiction

These Terms and your use of the Services shall be governed by and construed in accordance with the laws of the State of Idaho, without giving effect to any choice or conflict of law provision or rule. Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Services shall be instituted exclusively in the federal courts of the United States or the courts of the State of Idaho, in each case located in the city of Boise and County of Ada. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

12. Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by arbitration in Boise, Idaho before one arbitrator.

The arbitration shall be administered by JAMS pursuant to its Comprehensive Arbitration Rules and Procedures. Judgment on the award may be entered in any court having jurisdiction.

YOU UNDERSTAND THAT BY AGREEING TO THIS ARBITRATION PROVISION, YOU ARE WAIVING YOUR RIGHT TO A JURY TRIAL.

13. Class Action Waiver

YOU AND COLUMBIA BANK AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, if the parties' dispute is resolved through arbitration, the arbitrator may not consolidate another person's claims with your claims, and may not otherwise preside over any form of a representative or class proceeding.

14. Electronic Communications

By using our Services, you consent to receive electronic communications from us. These communications may include notices about your account, transaction information, and other information concerning or related to the Services. You agree that any notices, agreements, disclosures, or other communications that we send to you electronically will satisfy any legal communication requirements, including that such communications be in writing.

15. Changes to These Terms

We may revise and update these Terms from time to time at our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Services thereafter. Your continued use of the Services following the posting of revised Terms means that you accept and agree to the changes.

16. Termination

We may terminate or suspend your access to all or part of the Services, without notice, for any conduct that we, in our sole discretion, believe violates these Terms or is harmful to other users of the Services, to us, or to third parties, or for any other reason.

17. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

18. Entire Agreement

These Terms, our Privacy Policy, and any account agreements or other terms specific to particular Services constitute the sole and entire agreement between you and Columbia Bank regarding the Services and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Services.

19. Waiver

No waiver by Columbia Bank of any term or condition set out in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure by Columbia Bank to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.