<HTML><HEAD>
<META http-equiv=Content-Type content="text/html; charset=iso-8859-15">
<META content="MSHTML 6.00.2900.5945" name=GENERATOR></HEAD>
<BODY style="MARGIN: 4px 4px 1px; FONT: 14pt Arial">
<DIV><FONT size=3>Dear Colleagues,</FONT></DIV>
<DIV><FONT size=3></FONT> </DIV>
<DIV><FONT size=3>Umpqua Bank is partnering with local radio stations to sponsor the annual Wish Upon a Star program. <FONT color=#ff0000>This important holiday program grants the wishes of individuals in the community who can't get what they need on their own.</FONT></FONT></DIV>
<DIV><FONT size=3></FONT> </DIV>
<DIV><FONT size=3>Examples of past gifts include:</FONT></DIV>
<DIV> </DIV>
<DIV><FONT size=3>- Providing a veteran a motorized scooter to increase his mobility</FONT></DIV>
<DIV> </DIV>
<DIV><FONT size=3>- Helping a homeless family who recently moved off the street with basic apartment furnishings</FONT></DIV>
<DIV> </DIV>
<DIV><FONT size=3>- Installing a wheelchair ramp for a child with muscular dystrophy.</FONT></DIV>
<DIV> </DIV>
<DIV><FONT size=3>Now through Friday, Dec. 10, community members are encouraged to visit </FONT><A href="http://www.umpquabank.com/wish"><FONT size=3>www.umpquabank.com/wish</FONT></A><FONT size=3> to nominate deserving friends, family members and neighbors. Wishes must come from community members, not organizations, on behalf of an individual or family. Wish Upon a Star nominations should explain why the nominee deserves to have their wish granted and include appropriate contact information. If community members do not have access to the internet, they are encouraged to contact Umpqua Bank at 1-866-486-7782 and an associate will take their wish directly.<BR></FONT></DIV>
<DIV><FONT size=3>Wishes will be granted on air weekdays between Dec. 6 and Dec. 17. Listeners can tune in to KRSB, KKMK, KQEN and KSKR at 8:40 a.m. to hear holiday wishes come true.<BR></FONT></DIV></BODY></HTML>