Securities, managed investments, insurance products and wealth management services are offered through Umpqua Investments, Inc., Member FINRA/SIPC. Umpqua Investments, Inc. is an affiliated company of Umpqua Bank. Umpqua Bank and Umpqua Investments, Inc., share revenue in certain instances.

Ferguson Wellman Capital Management, Inc., a registered investment adviser is not affiliated with Umpqua Bank, but may share revenue in certain instances.

Umpqua Bank Deposit Products are insured through the Federal Deposit Insurance Corporation; Member FDIC

Securities, managed investments and insurance products are: · NOT A BANK DEPOSIT · NOT FDIC INSURED · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY · NOT BANK GUARANTEED · and MAY GO DOWN IN VALUE.

Investors should carefully consider investment objectives, risks, fees, charges and expenses before investing any money. Many investment opportunities are offered via prospectus, contract or policy. If so, please read the document carefully before investing. The prospectus, contract or policy will help you make an informed decision regarding the objectives, risks, fees, charges and expenses as well as provide other important information about the financial instrument.

Umpqua Bank does not provide tax or legal advice.

Trust & fiduciary services provided by Umpqua Trust Services, a division of New York Private Trust Company, which is a Delaware charted trust company headquartered in Delaware. NYPTC is a subsidiary of Emigrant Bancorp, Inc.