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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.