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Umpqua Bank has changed its legal name to Columbia Bank, an Oregon state chartered commercial bank. We are owned by Columbia Banking System, Inc. Effective July 1, 2025, we changed the legal name of the bank from Umpqua Bank to Columbia Bank. We will continue to do business under the trade name Umpqua Bank until we publicly change the trade name to Columbia Bank later this year.

This is strictly a name change and does not reflect any other legal change. The bank is the same legal entity as before. Deposits made with Umpqua Bank are deposits made with Columbia Bank and are not insured separately by the FDIC. Contracts you have entered into with Umpqua Bank are contracts with the same entity, now called Columbia Bank.

If you have any questions or concerns regarding the legal name change of Umpqua Bank to Columbia Bank, please visit our website at www.UmpquaBank.com or contact us at (866) 486-7782.

Member FDIC. Equal Housing Lender. SBA Preferred Lender. NMLS #401867.

Wealth Management Solutions: • Private Banking • Healthcare Banking • Columbia Wealth Advisors¹ • Columbia Trust Company²

1 Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC, and are not insured by bank insurance, the FDIC or any other government agency, are not deposits or obligations of the bank, are not guaranteed by the bank, and are subject to risks, including the possible loss of principal. Investment Advisory services offered through Raymond James Financial Services Advisors, Inc. Columbia Wealth Advisors and Umpqua Bank are not registered broker/dealers and are independent of Raymond James Financial Services, Inc.

2 Views of Columbia Trust Company are as of the date published and are subject to change based on market conditions and other factors. These views should not be construed as a recommendation for any specific security. Products and services are offered by Columbia Trust Company, an affiliate of Umpqua Bank an Oregon state chartered bank and a wholly owned subsidiary of Columbia Banking System Inc. The professionally managed investments of Columbia Trust Company are:

• Not a deposit • Not FDIC insured • Not insured by any federal government agency • Not guaranteed by Umpqua Bank • May go down in value.