Umpqua Bank provides personal and commercial banking products and services. Its personal banking products and services include checking, savings, money market, individual retirement, education savings, and health savings accounts, as well as certificates of deposit (CDs); home loans, loans and lines, SBA lending, GreenStreet lending, and credit cards; and reorder checks, debit cards, and everyday cash cards, as well as overdraft protection, merchant, fraud prevention, payroll, online banking and bill pay, and investment and wealth management services. The company’s commercial banking products and services comprise financing options, such as lines of credit, equipment, real estate, SBA lending, capital markets, and specialty deposits; other products and services, including merchant services, international banking, checking accounts, savings and money markets accounts, CDs, employee perks, fraud prevention, and overdraft services; and treasury management solutions comprising collections 