Dear valued client, I am excited to announce that Pacific Premier Bank’s merger with Columbia Bank is now complete, and it is my pleasure to warmly welcome you to the Columbia Bank family. As part of Columbia Bank, you will enjoy access to a broader suite of services to support the growth of your business and family, including expansive treasury management and leasing services, wealth management solutions and home lending options as well as a combined network of more than 350 branches spanning eight western states. Most importantly, the bankers you know and trust will continue to serve you with the expertise and personalized service you enjoy today, now supported by the West’s leading regional bank. Though the merger is now complete, the transition of Pacific Premier Bank systems and services to those offered by Columbia Bank is not expected to take place until January 2026. There is nothing you need to do at this time—your accounts, cards and all digital banking services continue to function as they always have. As we move forward together, you can expect regular updates from us regarding any changes, with plenty of advance notice and guidance to ensure a smooth experience. For now, simply continue to bank as you always have, knowing that we are here to guide you and keep you informed every step of the way. • Continue banking as usual. Your services continue without disruption and no action is needed from you at this time. We encourage you to continue using your checks, debit/ATM cards, credit cards and online services as you always have. • Continue using current apps and online banking. Please continue to use your Pacific Premier Bank apps and continue to visit www.ppbi.com to log into online banking services. Your login credentials remain the same. Do not download the Columbia Bank app or visit www.columbiabank.com to access your accounts at this time. Your accounts will not be accessible through Columbia Bank’s systems until January 2026. • Additional convenience is now available. You may now access more than 350 branches throughout California, Oregon, Washington, Idaho, Arizona, Nevada, Colorado and Utah. You may cash your checks and make deposits at any Columbia Bank location, as well as use your Pacific Premier debit/ATM card at any Columbia Bank ATM without a fee. For a complete list of branch and ATM locations, visit www.columbiabank.com. • Enjoy access to a broader array of financial services. New services through Columbia Bank are immediately available to you, including leasing services, home loans and a comprehensive array of personal and business wealth management solutions. Ask your banker for information about these services or contact us at 855-343- 4070. • Your Pacific Premier Bank services are expected to transition to those offered by Columbia Bank in January 2026. You will receive detailed information about the transition of these services in early December, and the bankers you know and trust will be available to support you at every step. • Review answers to questions about the transition to Columbia Bank. Enclosed with this letter are answers to questions you may have about your accounts and services. We have also enclosed our Privacy Policy as well as information about the California Financial Information Privacy Act. Columbia Bank recently changed its name from Umpqua Bank. We shared news of our intention to change Umpqua Bank’s name to Columbia Bank when we announced our agreement to merge with Pacific Premier Bank. I am excited to share the legal steps required for this change were successfully completed, and Umpqua Bank is now operating as Columbia Bank. Additional information about the name change can be found at www.ColumbiaBank.com. Visit the Online Merger Information Center. Please visit the Merger Information Center at www.columbiabank.com/pacific for the most up to date information about the merger with Columbia Bank. Beginning in December, the center will also contain information about the transition of your accounts and services, as well as other helpful training and support resources. Watch for additional information in the coming months. Keeping you informed of critical dates and information leading up to the systems transition, which is expected to occur in January 2026, is our top priority. Be sure to read the communications you receive from Columbia Bank as we approach the transition date. We sincerely appreciate your relationship with us and are truly excited about the opportunities the future holds. As we begin this new chapter, our commitment to making this transition smooth and beneficial for you remains steadfast. Our team is dedicated to ensuring you are well-prepared, and we are here to answer your questions. If you would like to discuss the merger, please feel free to contact your banker, visit your local branch, or reach us at 855-343-4070. We value your business, and we look forward to building an even stronger partnership in the years to come. Sincerely, Clint Stein CEO, Columbia Bank
