Columbia Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2009, all noninterest-bearing transaction accounts and NOW accounts, which earn an interest rate of .50% or less, are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

EDIE the Estimator can calculate your FDIC insurance coverage for each FDIC-insured bank where you have deposit accounts. EDIE lets you know in a printable report for each bank whether your deposits are within or exceed coverage limits.

The information you get from EDIE is only as accurate as the information you enter. So:

BEFORE YOU BEGIN, HAVE A LIST OF:

• All the deposit accounts you have at FDIC-insured banks
• Current balances
• Names of all account owners and beneficiaries

FOR BUSINESS ACCOUNTS, ALL OF THE ABOVE, PLUS:

• Name of the business
• Employer Identification Number (EIN)