Offer valid for new Umpqua Personal Free Checking and Umpqua Personal Sweet Saver Savings accounts only that are opened before 08/28/09. Minimum opening deposit of $100 applies to both the savings and checking account. Deposit funds must come from a source other than an existing Umpqua Bank account. Savings account balances will earn a promotional fixed interest rate of 0.50% (with a 0.50% Annual Percentage Yield), through 4/30/2010 the promotional period. Interest compounds quarterly. At the end of the promotional period, the interest rate and APY are subject to change without notice. To receive the $10 monthly funds credit, a $50 automatic funds transfer must be established from the checking account to the savings account each month, with each transfer posting to the savings account by the last business day in the month. Savings balance must grow by $50 each month. Balance growth will be determined by comparing to the prior months ending balance. Funds credit will not be made prior to 05/01/09 or after 04/30/2010. Maximum funds credit $120. If the increase balance requirements are not met in any month the funds credit will not be paid. Savings account minimum balance requirement of $200 applies to avoid a service charge, service charges and other applicable fees may reduce earnings, deposit growth requirement and funds credit eligibility, see an associate for complete details. Offer limited to one per customer, customer will be defined by tax identification number (TIN). Both savings and checking account must have common TIN to be eligible. All offers subject to credit approval. Funds credit is tax reportable. Offer is subject to change at bank’s discretion.