One step inside an Umpqua store and you'll sense it right away: we go beyond banking as usual. Maybe it's because our stores are neighborhood hubs where anyone is welcome to hang out with a cup of hot coffee and surf the web or read a newspaper in a comfortable chair. Perhaps it's because our local, friendly associates understand your business and are empowered to provide everything from start-up funds to cash management tools. Or maybe it's programs like our Discover Local Music project and Connect Volunteer Network, which gives associates paid time off to volunteer in their communities. Whether you've got a business goal, personal vision or a spontaneous dream worth chasing, we're here to help you bank like you live and make it happen. Swing by any of our Napa Valley stores for a chat (and fresh cookies on Fridays) or check us out online at www.umpquabank.com.