James David Coleman

Umpqua Holdings Corp. operates as a bank holding company, which provides banking and financial services. The firm operates through the following segments: Wholesale Bank, Wealth Management, Retail Bank and Home Lending. The Wholesale Bank segment includes lending, treasury and cash management services and customer risk management products to middle market corporate, commercial and business banking customers and the operations of FinPac. The Wealth Management segment consists of the operations of Umpqua Investments, which offers retail brokerage and investment advisory services and products to its clients who consist primarily of individual investors, and Umpqua private bank, which serves high net worth individuals with liquid investable assets and provides customized financial solutions and offerings. The Retail Bank segment includes retail lending and deposit services for customers served through the Bank's store network. The Home Lending segment operates as a division of the Bank, originates, sells and services residential mortgage loans. It also offers loans, checking, overdraft services, debit cards, online banking and credit cards. The company was founded in March 1999 and is headquartered in Portland, OR.

Flagstar Bancorp, Inc.is a bank holding company, which engages in the provision of financial services. It operates through the following segments: Community Banking, Mortgage Originations, Mortgage Servicing, and Other. The Community Banking segment offers loans, deposits, checking and savings accounts, consumer and commercial loans, treasury management, equipment leasing, and capital markets services. The Mortgage Originations segment acquires and markets residential mortgage loans. The Mortgage Servicing segment comprises financing solutions to properties held-for-investment. The Other segment consists of interest rate risk management, investment securities portfolios, balance sheet funding, treasury and corporate assets, and equities. The company was founded in 1993 and is headquartered in Troy, MI.

Flagstar Bank NA operates as federally chartered savings bank. The firm offers personal, business and commercial banking services. The company was founded by Thomas J. Hammond in 1987 and is headquartered in Troy, MI.