UMPQUA BANK TOGETHER FOR BETTER

Personal and commercial banking services, namely, savings and checking account services, consumer and commercial lending services, online banking, cash management service, mortgage banking, real estate loan services, investment consultation, and money lending; personal and commercial banking services, namely, mortgage lending, mortgage loan origination services, mortgage banking, financial consultation, mortgage servicing, namely, mortgage loan payment processing services, financial administration of mortgage escrow accounts, mortgage loan foreclosure services and debt collection for mortgage loans, and providing financial information in the fields of real estate loans and mortgage services; financial services, namely, financial consultations, investment consultations, financial investment services in the field of securities, annuities, bonds, certificates of deposit, defined portfolios, futures, commodities, insurance, mutual funds, money market funds, stocks, options, and other securities; financial brokerage services in the nature of mutual fund, security and stock brokerage services; financial services, namely, financial consultation and advice in the field of real estate loans; financial planning and management services; financial management and advisory services; providing investment advisory and brokerage services via the telephone, mobile device, email, and personal interaction; providing information in the nature of financial advice, financial analysis, and information and guidance in the field of financial instruments via telephone, mobile device, email, and personal interaction; investment advisory, brokerage, and insurance services, namely, providing financial and investment information services by means of a call center; credit services, namely, providing consumer credit consultation services over various media including the telephone, the internet and mobile applications; financial assessment services, namely, providing instant credit assessment and approval via the telephone, internet and mobile applications; financial assessment services, namely, providing working capital assessment and advice to businesses; credit services, namely, facilitation of credit approval, credit extension and purchase approval services via the telephone, internet and mobile applications; credit and loan services, namely, business and personal credit verification services; financial services, namely, credit checking, credit analyzing and financial reporting services; credit and loan origination services, namely, electronic processing of credit and loan applications, electronic loan preparation services, rendering credit decisions, generating loan offers and loan fulfillment; providing information via the internet in the field of credit and loan processing; foreign exchange transactions; Automated Clearing House (ACH) transaction processing services