This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS supplements the information contained in the Privacy Statement of Umpqua Holdings Corporation and its subsidiaries (collectively, "we," "us," or "our") and applies to all visitors, users, and others who reside in the State of California ("consumers" or "you"). We adopt this notice to comply with the California Consumer Privacy Act (CCPA) and any terms defined in the CCPA have the same meaning when used in this notice.

Information We Collect

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device ("personal information").

Please note that personal information does not include:

• Publicly available information from government records;
• De-identified or aggregated consumer information; nor,
• Information excluded from CCPA’s scope including information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of

In particular, we currently collect the following categories of personal information from consumers:

We obtain the categories of personal information listed above from the following categories of sources:

• Directly from you. For example, from documents that you provide us related to the product(s) or service(s) for which you engage or use us or purchase from us.
• Indirectly from you. For example, through information we collect from you in the course of providing you services.
• Directly and indirectly from activity on our websites (www.umpquabank.com, www.umpquainvestments.com, and www.finpac.com). For example, from submissions through our website portal or website usage details collected automatically.
• From third parties that interact with us in connection with the services we perform. For example, from credit agencies when we review qualifications for applications to certain of our products.

Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following business purposes:

• To fulfill or meet the reason for which the information is provided. For example, if you provide us with personal information in order for us to service a loan or engage in a banking transaction, we will use that information to service the loan or process the transaction, including sharing it with any third-parties that are involved in such servicing or processing;
• To provide you with information, products or services that you request from us;
• To provide you with email alerts, event registrations and other notices concerning our products or services, or events or news, that may be of interest to you;
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections;
• To protect you from fraudulent activity and ensure your accounts are secure;
• To improve our website and present its contents to you;
• For testing, research, analysis and product development;
• As necessary or appropriate to protect the rights, property or safety of us, our customers or others;
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations;
• When required to respond to legal processes or regulatory examinations, information requests and other inquiries;
• As described to you when collecting your personal information; and/or,
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

Sharing Personal Information

We may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the services described in the contract.

We disclose your personal information for a business purpose to the following categories of third-parties:

• Our affiliates;
• Service providers; and,
• Third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you.

Umpqua Holdings Corporation and its affiliates do not currently engage in the sale of personal information. 

Your rights

Access to Specific Information and Data Portability Rights

You have the right to request that we disclose certain information to you about our collection and use of your   personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

• The categories of personal information we collected about you;
• The categories of sources for the personal information we collected about you;
• Our business or commercial purpose for collecting or sharing that personal information;
• The categories of third parties with whom we share that personal information;
• The specific pieces of personal information we collected about you (also called a data portability request);
• If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
• sales, identifying the personal information categories that each category of recipient purchased (Note: Umpqua does not participate in the sale of personal information); and
• disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Deletion Request Right

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service providers to:

• Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you;
• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities;
• Debug products to identify and repair errors that impair existing intended functionality;
• Comply with the California Electronic Communications Privacy Act (Cal. Penal Code 1546 seq.);
• Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us;
• Comply with a legal obligation;
• Meet retention requirements; or,
• Make other internal and lawful uses of that information that are compatible with the context in which you provided

Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:

• Calling us at (833) 427-5227
• Visiting our website http://www.umpquabank.com/privacy

Only you or a person registered with the Secretary of State in your state of residence that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative; and,
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot complete to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information collected a request to verify the requestor's identity or authority to make the request. Information collected for verification will include legal names, addresses, the last four of an identification number, and documentation related to legal authority.

If we are unable to complete your request, including the inability to delete information, a copy of it will be logged for future reference within our system.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. The email address you provide in your request will be what we use to communicate to you about your request and our final written response by mail or electronically, at your option. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded.  If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your personal information rights. Unless otherwise permitted by law, we will not:

• Deny you goods or services;
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties;
• Provide you a different level or quality of goods or services; or,
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or

Changes to Our Privacy Notice

We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will notify you by email or through a notice on our website homepage. If no ad-hoc changes are warranted, this privacy notice will be reviewed annually.

Contact Information

If you have any questions or comments about this notice, our Privacy Statement, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights, please do not hesitate to contact us at:

Phone: (833) 427-5227

Website: http://www.umpquabank.com/privacy