Richard Reckman - President

Dear Customer,

At Columbia Savings Bank, the foundation of every customer relationship is trust. Whether you are an existing customer, or considering doing business with Columbia Savings Bank, you have an interest in how we collect, retain, and use nonpublic personal information about you and your relationship with us. Columbia Savings Bank has an obligation to protect the confidential and private nature of this information.

Under banking regulations, we are required to provide you with this statement regarding Columbia Savings Bank's customer privacy protection policies. The following outlines our bank's practice regarding personally identifiable financial information for consumers and the consumers who become our customers.

INFORMATION WE COLLECT ABOUT YOU

We collect nonpublic personal information about you from many sources including the following:

Shelly Alltop - Assistant Treasurer

-Information we receive from you on applications or other forms;

-Information about your transactions with us, our affiliates, or others and;

-Information we receive from a consumer-reporting agency.

We use this information only to better service your account and to provide you with new products and services. Nonpublic, personal information does not include that which is available from government records, widely distributed media, or government-mandated disclosures.

NO DISCLOSURES OUTSIDE OF EXCEPTIONS

We do not disclose any nonpublic personal information about our customers or former customers to any third party, except as permitted or required by law.

Andrew Rees - Chief Operating Officer

CONFIDENTIALITY AND SECURITY

We restrict access of your nonpublic personal information to those employees who need that information to provide you with products or services. We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect your personal information.

The above statement is Columbia Savings Bank's Privacy Policy. Columbia Savings Bank commits itself to the protection of all customer information. Please feel free to contact us with any questions or concerns you may have.

Columbia Savings Bank

Richard Reckman

President

Andrew Rees

Chief Operating Officer

Shelly Alltop

Assistant Treasurer