Common use of EFFECT OF THE LIFE INSURANCE POLICY’S CONTESTABILITY CLAUSES Clause in Contracts

EFFECT OF THE LIFE INSURANCE POLICY’S CONTESTABILITY CLAUSES. The parties herein understand and agree that the payment of the benefits provided herein are subject to the Policy’s(ies’) suicide and contestability clauses and other such clauses, and if such clauses preclude the Insurer from paying the full death proceeds, then, in such event, no death benefits of whatever nature shall be payable to Insured’s (or Insured’s Assignee’s) Beneficiary under this Endorsement Method Split Dollar Agreement. This Agreement shall be effective as of the date first set forth above. COLUMBIA STATE BANK By: /s/ Xxxxxxx X. Xxxxxxxxxxxx, Chairman By: /s/ XXXXXXX X. XXXXXXX Signature & Title Insured Date: October 30, 2015 Date: October 30, 2015

EFFECT OF THE LIFE INSURANCE POLICY’S CONTESTABILITY CLAUSES. The parties herein understand and agree that the payment of the benefits provided herein are subject to the Policy’s(ies’) Life Insurance Policy’s suicide and contestability clauses and other such clauses, and if such clauses preclude the Insurer from paying the full death proceeds, then, in such event, no death benefits of whatever nature shall be payable to Insured’s (or Insured’s Assignee’s) Beneficiary beneficiary(ies) under this Endorsement Method Split Dollar Agreement. This Agreement shall be effective as of the date first set forth above. COLUMBIA STATE BANK COLUMBIA STATE BANK INSURED By: /s/ Xxxxxxx X. Xxxxxxxxxxxx, Chairman XXXX XXXXXX By: /s/ XXXXXXX X. XXXXXXX Signature & Title Xxxx Xxxxxx Insured EVP/Chief Human Resources Officer Date: October 30JULY 25, 2015 2018 Date: October 30, 20157-25-18

EFFECT OF THE LIFE INSURANCE POLICY’S CONTESTABILITY CLAUSES. The parties herein understand and agree that the payment of the benefits provided herein are subject to the Policy’s(ies’) Life Insurance Policy’s suicide and contestability clauses and other such clauses, and if such clauses preclude the Insurer from paying the full death proceeds, then, in such event, no death benefits of whatever nature shall be payable to Insured’s (or Insured’s Assignee’s) Beneficiary beneficiary(ies) under this Endorsement Method Split Dollar Agreement. This Agreement shall be effective as of the date first set forth above. COLUMBIA STATE BANK INSURED By: /s/ Xxxxxxx X. Xxxxxxxxxxxx, Chairman XXXX XXXXXX By: /s/ XXXXXXX X. XXXXXXX Signature & Title XXXXX XXXXX DEER Xxxx Xxxxxx Insured EVP/Chief Human Resources Officer Date: October 30, 2015 11/25/2020 Date: October 30, 201511/25/2020

EFFECT OF THE LIFE INSURANCE POLICY’S CONTESTABILITY CLAUSES. The parties herein understand and agree that the payment of the benefits provided herein are subject to the Policy’s(ies’) Life Insurance Policy's suicide and contestability clauses and other such clauses, and if such clauses preclude the Insurer from paying the full death proceeds, then, in such event, no death benefits of whatever nature shall be payable to Insured’s 's (or Insured’s 's Assignee’s's) Beneficiary beneficiary(ies) under this Endorsement Method Split Dollar Agreement. This Agreement shall be effective as of the date first set forth above. COLUMBIA STATE BANK By: /s/ Xxxxxxx X. Xxxxxxxxxxxx, Chairman XXXX XXXXXXX By: /s/ XXXXXXX X. XXXXXXX Signature & Title XXXXX XXXXXXXXX Insured Title: EVP, HR Director Date: October 30, 2015 2/11/13 Date: October 30, 20151/23/13

EFFECT OF THE LIFE INSURANCE POLICY’S CONTESTABILITY CLAUSES. The parties herein understand and agree that the payment of the benefits provided herein are subject to the Policy’s(ies’) Life Insurance Policy’s suicide and contestability clauses and other such clauses, and if such clauses preclude the Insurer from paying the full death proceeds, then, in such event, no death benefits of whatever nature shall be payable to Insured’s (or Insured’s Assignee’sAssignees) Beneficiary beneficiary(ies) under this Endorsement Method Split Dollar Agreement. This Agreement shall be effective as of the date first set forth above. COLUMBIA STATE BANK ByXxxx Xxxxxx /s/ XXXX XXXXXX Date: /s/ Xxxxxxx X. XxxxxxxxxxxxJULY 25, Chairman By: 2018 EVP/Chief Human Resources Officer /s/ XXXXXXX X. XXXXXXX XXXXXXX X XXXXXXX 7-25-18 Insured- Signature & Title Insured Date: October 30, 2015 Date: October 30, 2015and Date Print Name