Steve McCallion, Creative Director, Ziba Design ; Ray Davis, President and CEO, Umpqua Holdings Corporation
Umpqua Bank began life as a small community bank in Roseburg, Oregon, founded in 1953 as a place for lumberjacks to cash their payroll checks. In 1994, when Ray Davis left the banking consulting firm he had been running, Umpqua had made money every year i
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