Cascade Bancorp (CACB) 10-Q 2002 Q3 Quarterly report

Exhibit 99.3

Certification Required by 18 U.S.C. Section 1350
(as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002)

I, Patricia L. Moss, Chief Executive Officer, certify that:

1) I have reviewed this quarterly report Form 10-Q of Cascade Bancorp;

2) Based on my knowledge, the report does not contain any untrue statement of a material fact or omit to state a material fact necessary in order to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by the report;

3) Based on my knowledge, the financial statements, and other financial information included in the report, fairly present in all material respects the financial condition, results of operations and cash flows of the issuer as of, and for, the periods presented in the report;

4) The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-14 and 15d-14) for the registrant and we have:

a) designed such disclosure controls and procedures to ensure that material information is made known to us, particularly during the period in which the periodic report is being prepared;

b) evaluated the effectiveness of the issuer's disclosure controls and procedures as of a date within 90 days prior to the filing date of the report; and

c) presented in the report their conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation as of the evaluation date;

5) The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation, to the registrant’s auditors and the audit committee of the board of directors (or persons fulfilling the equivalent function):

a) all significant deficiencies in the design or operation of internal controls which could adversely affect the issuer’s ability to record, process, summarize and report financial data and have identified for the registrant’s auditors any material weaknesses in internal controls; and

b) any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal controls; and

6) The registrant’s other certifying officer and I have indicated in the report whether or not there were significant changes in internal controls or in other factors that could significantly affect internal controls subsequent to the date of their evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses.

Dated: November 12, 2002 /s/ Patricia L. Moss
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Patricia L. Moss
Chief Executive Officer