Account numbers remain: Your account number will not change unless you were previously notified in September 2025.

Routing number changes: Your routing number will change to 123205054 on January 26, 2026. Please do not update the routing number with your service providers until after January 26, 2026. Items containing the previous routing number will continue to be routed and processed correctly.

Automatic transfers and payments: All automatic withdrawal and deposit functions between your accounts that were initiated through your branch and not created through online banking will continue without interruption. Additionally, all auto-payments and direct deposits will be received and processed as usual.

Checks will continue to process: Continue using your current Pacific Premier Bank checks until they run out — they’ll continue to process without issue. When your checks run out you will need to order Columbia Bank checks. You can do this by contacting your local branch or from within online banking.

Transaction history and check images: Your branch will be able to provide transaction history and check images that were processed prior to the transition.

Funds availability policy and your ability to withdraw funds: This policy statement applies to “transaction” Accounts. Transaction Accounts, in general, are Accounts which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other Accounts of yours with us. Checking Accounts are the most common transaction Accounts. Feel free to ask us whether any of your other Accounts might also be under this policy. Our general policy is to make funds from your Check deposits available to you on the first Business Day after the day we receive your deposit. Funds from electronic deposits and cash will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and/or we will use the funds to pay Checks that you have written. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for Checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

Determining the availability of a deposit: Deposits made at our Branches before 5:00 P.M. PT (cutoff times may be later on some days or at some locations) on a Business Day, will be considered deposited on this day. However, deposits made at our Branches after 5:00 P.M. PT, or on a non-Business Day, will be considered deposited on the next Business Day. Deposits made at a Columbia ATM before 6:00 P.M. PT, on a Business Day, will be considered deposited on this day. However, deposits made at a Columbia ATM after 6:00 P.M. PT, or on a non-Business Day, will be considered deposited on the next Business Day. Cash and Check deposits made at a non-Columbia ATM are made available the next Business Day. Please refer to our Business Rules and Regulations for more details. These can be found at www.ColumbiaBank.com/disclosures.

Statement date: You will receive a final statement on your existing accounts with a date as of January 23, 2026. Going forward, business account statements not on analysis will continue according to your current statement cycle. All analysis account type statements will be produced at the end of the month.

eStatements: You will need to re-enroll in eStatements through Columbia’s Commercial Online Banking.

Paper statement fees may apply: Some accounts carry a $3 per month fee for paper statements, which is waived with enrollment in eStatements. Refer to the Business Accounts page for specifics related to your new account type.

If you had accounts at Columbia Bank prior to the merger, your transferred deposits are separately insured from any accounts you already had at Columbia Bank for a grace period of six months following the date of the merger, ending on September 1, 2025. This grace period provides you an opportunity to restructure your accounts, if necessary, to make sure you maintain 100% FDIC coverage.

Certificates of Deposits (CDs) from Columbia Bank are separately insured from your deposits at Columbia Bank until the earliest maturity date after the end of the six-month grace period.

CDs that mature during the six-month grace period and are renewed for the same term and in the same dollar amount (either with or without accrued interest added to the principal amount) continue to be separately insured until the first maturity date after the six-month grace period.

If a CD matures during the six-month grace period and is renewed on any other basis, it is separately insured only until the end of the six-month grace period.

Overdraft transfer from a deposit account: If your business account is enrolled in an overdraft transfer service from a deposit account, this service will remain. The minimum transfer will change to $100 to cover activity at the end of the day. Please refer to the Overdraft Disclosure for Business Accounts for more details. 

Overdraft transfer from a line of credit: If your business account is enrolled in an overdraft transfer service from a line of credit, this service will remain. Funds will transfer for the exact amount of the overdraft activity at the end of the day. Please refer to the Overdraft Disclosure for Business Accounts for more details. 

Changes to Fees: Customers will continue to be subject to overdraft fees as described in the enclosed Overdraft Disclosure for Business Accounts, when you do not have enough money in your Checking Account to cover a transaction, but we pay it anyway.

Understanding your Overdraft options: All business customers will transition with Columbia’s enhanced overdraft protection. Please refer to the Overdraft Disclosure for Business Accounts to understand your overdraft options.

You should continue to use your existing Pacific Premier Bank ATM or debit card as you always have after January 26, 2026. Your PIN will remain the same and all automatic payments and transfers, and mobile wallet services will continue without interruption.

Daily Limits: As of January 26, 2026, your debit card daily limits will change as outlined below. Limits reset at midnight Pacific Standard Time.

• $750 in ATM withdrawals
• $8,000 in online and point-of-sale purchases
• 20 transactions total

You will receive a new Columbia Bank Visa® Debit Card after January 26, 2026, when either your existing Pacific Premier Bank card expires, is replaced due to damage or is reported lost/stolen. Your new card will contain a new card number and expiration date. Once you receive your new Columbia Bank Visa debit card, you will need to update your card on file with any service providers. Be sure to read the activation instructions that will be included with your new card.

First National Bank of Omaha (FNBO) - Issued Credit Cards: Continue using your existing Pacific Premier Bank credit card issued through FNBO. All automatic payments, recurring transfers and mobile wallet services will continue without interruption. You should continue to make payments as you always have.

When your card expires or needs to be reissued for any reason, you will be issued a new card from FNBO.

Columbia Bank is unable to provide servicing for FNBO credit cards. Contact FNBO directly at 888-530-3626 for assistance related to your credit card. If you are interested in a Columbia Bank credit card, please contact your local branch or visit our website for more information.

The location of your safe deposit box will not change unless it is located at a branch that will be consolidating, in which case you should have already received instructions about what to do with your current box. If you are unsure, please contact the branch where your safe deposit box is located. The cost of your safe deposit box may change. You will be provided with safe deposit box pricing prior to the renewal of your safe deposit box.

Your lockbox services will continue without interruption. You will continue to have access to Lockbox details through Columbia’s Commercial Online Banking by selecting Lockbox Advantage from the Account Services menu.  

There will be no changes to existing Cash Vault Services. You will continue to use the same armored carrier and remain on the same transportation schedule. CompuSafe and Cash-in-Transit customers will continue to be serviced by Brinks. If you would like to add location details to the deposit reporting system, you will need to order new deposit slips. Additional information about this option will be provided prior to January 23rd, 2026. Change order requests will be submitted via Loomis ICO or Brinks 24Seven online applications. Change Orders for delivery on Monday, January 26th, 2026 will need to be placed with the vendor no later than 11 am on Thursday, January 22nd, 2026. 

• Follow these instructions to prepare your deposit.
• Follow these instructions to place your Loomis order by phone. 
• Follow these instructions for your Loomis order online. 

MoneyPass Network: Access to the MoneyPass Network will be discontinued. You can continue using your Pacific Premier Bank debit or ATM card at any of the more than 350 Columbia Bank ATMs across the West without a fee. Please refer to the Business Accounts page for details about your account and non-Columbia Bank ATM fees. Visit columbiabank.com/locations for a list of ATM locations.

ATM Deposits: You will be able to make deposits at any Columbia Bank ATM that accepts deposits beginning January 26, 2026. Deposits at former Pacific Premier Bank ATMs will become unavailable once the ATM is transitioned to Columbia’s network between December 29, 2025 and January 20, 2026. Deposit functionality will resume on January 26, 2026.

Telephone Banking number: Starting Monday, January 26, 2026 at 8:00 a.m. PT, please call Columbia Bank’s Telephone Banking at 1-888-678-7800, option 2.

Access Code and PIN: Your access code will remain the same and you will no longer need your PIN. Instead, you will be asked to enter the last four digits of your Social Security Number to authenticate.