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									                                       UMPQUA BANK’S CLUB CAREFREE 50

Club Carefree 50 Q&A
                                                                                             Adventures                            Volume 4          •   Issue 4     •   Fall 2006

Both Judith Stoffer, Club Carefree 50 Director in California and Gloria
Johnson, Club Director in Oregon & Washington receive a lot of
telephone calls with questions about the program. And chances are,
                                                                                     In This Issue:
if one member has a question, you can bet there are probably others                  Club Carefree 50 Q&A . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
wondering about the same thing. Check out these frequently asked
questions and answers to help clear some of the haze and provide you                 Adventures & Events Originating from
with more information about our wonderful Club Carefree 50 program.                  Oregon & Washington . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

What is Club Carefree 50?                                                            Adventures & Events Originating from California . . . . . . . . . . . . . 3

Club Carefree 50 is an exclusive club for Umpqua Bank customers, age 50              Lifelong Learning . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
or better and have a Cruise Checking Account. Members enjoy meeting
                                                                                     New Passport Regulations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
new friends, great travel experiences, and in some areas, monthly socials
and movies. Additional educational seminars are offered as well. The                 We Want to Show You a Good Time . . . . . . . . . . . . . . . . . . . . . . . 4
quarterly newsletter broadcasts the details of upcoming trips and events
and any topics important to members. Newsletters are enclosed with your
bank statement or may be picked up at any Umpqua store.

If I live in Oregon, can I still travel with the California Club?                cases, we can arrange travel from any location. And because we
Or if I live in California, can I travel with the Oregon Club?                   appreciate the diversity in perspectives that age provides, we welcome
                                                                                 those under age 50.
Yes, all members are welcome to participate in any Club Carefree 50
activity, regardless of whether the origination point is Oregon or California.   If I am traveling alone do I have to pay extra for
Just refer to the newsletter and call either Gloria at 541-440-3944 or           accommodations?
Judith at 707-269-3456, depending on who is offering the event or trip.
Gloria coordinates all activities in Oregon and Washington, and Judith           It depends on the trip. Usually there is a single supplement price. A great
covers California. You are welcome to participate in any or all events.          way to get to know new people and save money is to share a room with
                                                                                 someone who is also a single traveler. We frequently help our travelers
Can a friend or relative travel with me if they are not a club                   find someone who does not have a traveling companion.
member, or if they do not live in Umpqua Bank areas, or if
they are under age 50?                                                           Why is there such a difference in prices between the trips
                                                                                 originating in California and those from Oregon?
Non-Club Carefree 50 members are encouraged to join our adventures;
however, there is an additional charge. If your friend or family member          Judith Stoffer is well-known for her luxurious and elite vacations tour
does not live within an Umpqua Bank community, that’s okay. In most              costs reflect the destination, length of tour and other included services.

                                                                                 On the other hand, Gloria Johnson is as equally well-known for her more
                                                                                 adventurous, shoestring travel. Both types of travel offer more options
                  Oregon & Washington                                            for our customers to choose from.
                      Gloria Johnson
          541-440-3944 • toll-free 866-486-7782                                  How can we get Gloria Johnson’s class “Traveling on a
                                           Shoestring” in our area?
                        California                                               Contact your local Umpqua Bank store manager and ask him or her
                      Judith Stoffer                                             to offer the class. More demand and interest garnered increases the
         707-269-3456 • toll-free 866-486-7782                                   likelihood of the class coming to your area.
    Costa Rica—Shores                                                                                Adventures & Events                                                   Southern Country                                                                       Adventures & Events
    of Enchantment                                                                                   Originating from Oregon & Washington                                  Christmas!                                                                             Originating from California
    February 2–14, 2007                                                                                                                                                    The Best of Savannah
                                                                                                     For members wanting to see the sights                                 and Asheville                                                                          For members looking to indulge
    Experience Costa Rica in a more adventurous                                                      and immerse themselves in the culture                                                                                                                        on a first-class, carefree voyage.
    way by visiting the more remote corners,                                                         without breaking the bank.                                            November 10–15, 2006
    beaches and waterways of friendly Costa                                                                                                                                                                                                                       All Club Carefree 50 Members are invited to participate in
                                                                                                                                                                           Join us for a holiday treat as we visit two
    Rica with an American guide who lives there—                                                     All Club Carefree 50 Members are invited to participate in                                                                                                   ANY Club travel originating from Oregon, Washington or
                                                                                                                                                                           of the most beautiful places in the South!
    rainforests with jungle wildlife, bird watching,                                                 ANY Club travel originating from Oregon, Washington or                                                                                                       California destinations.
                                                                                                                                                                           Enjoy the romantic seaport city of Savannah.
    both Atlantic and Pacific coasts, national parks                                                  California destinations.                                              Stroll the shops of River Street and visit
    and private reserves, boat trip into Panama,                                                                                                                                                                                                                  Please call Judith or Kathi at 707-269-
                                                                                                                                                                           stately antebellum mansions. Highlights
    snorkeling, horseback riding, kayaking, in-                                                      Please call Gloria at 541-440-3944                                                                                                                           3456 or toll-free 866-486-7782 or
                                                                                                                                                                           will include dining at the restaurant of TV
    country flight, local service project and much                                                    or toll-free 866-486-7782 or email                                                                                                                           email
                                                                                                                                     personality, Paula Deen. Then travel to the
    more. Accommodations are remote (secluded                                                                                                                                                                                                                     for more information.
                                                                                                     for more information.                                                 fabled high country of North Carolina for a
    rainforest tent lodge; beach hotel accessible
                                                                                                                                                                           stay at the Inn at Biltmore. Tour the former
    only by boat, etc,) yet comfortable. Cost of                                                                                                                                                                                                                  Judith in St. Petersburg at the Summer Palace.
                                                                                                     Gloria on a recent Club Carefree 50 trip to beautiful South Dakota.   home of George Vanderbilt, decorated
    $2,950 includes airfare from Portland, ground
                                                                                                                                                                           for the holidays in Victorian Style. Enjoy
    and in-country air transportation, lodging ppdo,
                                                                                                                                                                           a candlelight tour of this fabulous private
    admission to all scheduled activities, gratuities
                                                                                                                                                                           home. Price begins at $2,495, ppdo. Call
    for guides, trip insurance, and 29 meals. Costs
                                                                                                                                                                           Judith or Kathi at 707-269-3456 or toll-free
    subject to change if airfare increases. Call Gloria   Paris and Normandy                                       Announcing                                              866-486-7782.
                                                                                                                                                                                                                           Enjoy a tour of Buenos Aires, viewing the            The Wonders of
    541-440-3944 or toll-free 866-486-7782.                                                                                                                                                                                lavish Teatro Colon, the famous Opera
                                                          on a Shoestring                                          Discover Glorious                                                                                       House. Walk through the Argentine side               the Last Frontier…..
                                                          April 23–30, 2007                                        Oregon and Beyond                                       European Christmas                              of Iguassu Falls, and take a cable car               ALASKA!
    The Magical                                                                                                                                                                                                            to Sugarloaf where we will enjoy the
                                                          Spring is the time to experience the charm and           Two to four-day trips to beautiful Oregon               River Cruise                                                                                         June 2007
    Mediterranean                                         magic that is Paris. We will visit the major sights      destinations and beyond.                                                                                breathtaking views of Rio de Janeiro. Price:
                                                                                                                                                                           November 30–                                    $4,886.00 ppdo. Includes airfare from San            For the ultimate Alaskan vacation, we will
    Empire of the Ottomans                                (e.g. Notre Dame, Eiffel Tower, Louvre,                  Beginning spring 2007.                                  December 9, 2006                                Francisco or Portland. Optional pre-tour             offer a Cruisetour; a cruise voyage, land
    Holland America’s ms                                  Montmartre, Champs-Elysees, Left Bank,
                                                                                                                   Ashland and the                                                                                         extension to Machu Picchu for $1,450 per             based-lodging and rail travel all in one
    Rotterdam                                             Seine River boat trip) but won’t miss the cafes,                                                                 Discover the waterways of Europe aboard
                                                                                                                                                                                                                           person. Call Judith or Kathi at 707-269-             itinerary. You will get the best of both worlds
                                                          shops and quaint neighborhoods. We will also             Columbia River Gorge                                    Avalon Waterway’s new MS Avalon Poetry
    September 30–October 12, 2007                                                                                                                                                                                          3456 or toll-free 866-486-7782.                      for your Alaskan adventure. In the land of
                                                          show you the exquisite towns, museums and D-             Details in winter issue of the Club Carefree            as we cruise the Christmas Markets of                                                                the midnight sun, you’ll need every minute
    Set sail from Athens, Greece with ports of call       Day beaches of Normandy. $2,900 ppdo Club                50 Newsletter, January 2007. Call Gloria at             Europe. This is a beautiful river ship with                                                          of daylight to experience it all. This northern
    in Istanbul and Kusadasi, Turkey; Rhodes and          Carefree 50 members; $3,000 all others; $2,800           541-440-3944 or toll-free 866-486-7782 for              a great crew and wonderful food. The trip       Cruise Hawaii                                        frontier still boasts pristine landscapes,
    Corfu, Greece; Limassol, Cyprus; Haifa, Israel;       early birds. To receive early bird price, register       advance notification.                                    begins as we fly to Prague for two days
                                                                                                                                                                                                                           April 7–22, 2007                                     majestic wildlife and a coastline that is one
    Alexandria, Egypt; Dubrovnik, Croatia; and            by November 1, 2006. Price includes airfare                                                                      of touring, and then board the Poetry in                                                             of the most enthralling waterways in the
    ending in magnificent Venice, Italy. Exclusively for   from Portland to Paris, ground transportation,                                                                   Nuremberg for a seven-day cruise down the       We sail round trip from San Diego and relax
                                                                                                                                                                                                                                                                                world. Beyond Alaska’s fortress-like glacier
    Club Carefree 50, Holland America will donate         6 night’s hotel with breakfast, French-speaking                                                                  Danube River through Germany and Austria.       with leisurely days at sea before circling the
                                                                                                                                                                                                                                                                                walls lie scenic ports of call, treasured
    $100 per state room to Share our Strength,            American guide, travel insurance, and much                   Portland Theatre                                    Imagine the beauty of the twinkling lights of   Hawaiian islands. Ports of call include both
                                                                                                                                                                                                                                                                                national parks and abundant wildlife. With
    a charity organization that works to alleviate        more. Prices subject to change if airfare                                                                        the season as we enjoy the world-famous         Hilo and Kona on the big island of Hawaii,
                                                                                                                       THE 25TH ANNUAL PUTNAM                                                                                                                                   more than 1,400 miles north to south and
    hunger among children. Treat yourselves to            increases. Call Gloria at 541-440-3944 or toll-                                                                  Christmas markets, traditional caroling, and    plus visits to Kauai, Oahu and Maui. Enjoy
                                                                                                                       COUNTY SPELLING BEE                                                                                                                                      2,400 miles east to west, it is truly a land
    this once in a lifetime experience. Club Carefree     free 866-486-7782.                                                                                               historic cities with gothic churches. The       the days at sea by taking time to treat
                                                                                                                                                                                                                                                                                of epic proportions. Call Judith or Kathi at
    50 member prices begin at $2,549 ppdo, not                                                                         Saturday, January 6, 2007 2 p.m.                    smell of gingerbread, the warmth of a cup       yourself onboard at the AquaSpa, a serene
                                                                                                                                                                                                                                                                                707-269-3456 or toll-free 866-468-7782.
    including airfare. Contact Gloria at 541-440-                                                                      Club Carefree 50 members: $140                      of hot mulled wine and the music of Mozart,     water environment where touch, texture
    3944 or toll-free at 866-486-7782, or to reserve      Broadway on                                                  All others: $150                                    Beethoven and Strauss all make this trip        and architectural design come together
                                                                                                                                                                                                                                                                                Prices not available at time of publication.
    your stateroom now, contact Francine Marie at         a Shoestring                                                 The hilarious musical stories of six,               truly exceptional. Price begins at $3,595,      to cleanse and purify the body, mind and
    Cruises by Azumano toll-free 800-395-5578.
                                                          June 4–10, 2007                                              obsessed word lovers, their families and            ppdo. Call Judith or Kathi at 707-269-3456      spirit. Golf enthusiasts, play the green             Sneak Preview for 2007
                                                                                                                                                                           or toll-free 866-486-7782.                      above the deep, blue sea with the popular            • Mackinac Island & the Tulip Festival-May
                                                          Yes, we are returning to New York next year.                 the judges.
                                                                                                                                                                                                                           on-board activity: “golfing at the 19th               • Islands of New England-July
    Travel Shows                                          This extremely popular trip will fill very                                                                                                                        hole.” This program includes the services            • Zion, Bryce & Grand Canyon National
                                                                                                                       DIRTY ROTTEN SCOUNDRELS                             Discover South
    for The Magical                                       quickly, so do not delay. Price includes round-                                                                                                                  of a golf professional on hand for personal            Parks-September
    Mediterranean                                         trip airfare from Portland to New York. Six night’s          Saturday, July 14, 2007 2 p.m.                      America                                         instruction. High-quality rental equipment is        • London & Paris-September
                                                          lodging in the heart of the theatre district and             Club Carefree 50 members: $145                                                                      available so you don’t have to bring yours.          • Amish Country Christmas-November
    Wednesday, October 11                                 orchestra seating for a current Broadway hit. All            Club member early bird price: $135                  February 1–15, 2007
                                                                                                                                                                                                                           (There are golf excursions for all types and
    Coos Bay 3–4:30 p.m.                                  the sightseeing you can stand and some great                 by March 1, 2007; All others-$155                   This trip begins in Santiago, Chile with a      skill levels). Enjoy the Magnolia Garden, a          Travel Shows
                                                          surprises. $1,725 Club Carefree 50 members,                  Two con men with conflicting work habits             spectacular panoramic tour of the city. The     Celebrity exclusive. Here in this floating            Mackinac Island & the Tulip Festival
    Thursday, October 19
                                                          all others $1,900. ppdo. Call Gloria at 541-440-             compete to control the action in the French         welcome dinner will include a traditional       botanical conservatory atop the Infinity,             Wednesday, November 1
    Albany 5:30–7 p.m.
                                                          3944 or toll-free 866-486-7782.                              Riviera. But who’s conning whom?                    folklore show of authentic Chilean culture.     you can truly relax while watching a floral           Eureka 1:30 p.m.
    Wednesday, October 25                                                                                                                                                  Highlights include crossing the majestic        artist do magic, or simply sit and smell the
    Grants Pass 5:30–7:00 p.m.                                                                                         Price for all Portland theatre trips                                                                                                                     Islands of New England
                                                                                                                                                                           Andes to behold the mammoth Orsorno             flowers while enjoying a refreshing drink.
                                                          Sneak Preview...                                             includes orchestra seating, after-                                                                                                                       Wednesday, November 1
    Saturday, October 28                                                                                                                                                   Volcano. We travel through the deep forest      Prices begin at $2,533 ppdo. For further
                                                          • Photographers dream trip escorted by a                     show dinner and round-trip motor                                                                                                                         Eureka 3:00 p.m.
    Roseburg 2–3:30 p.m.                                                                                                                                                   from Puerto Blest where you embark on a         information, please call Judith or Kathi at
                                                            renowned international photographer to                     coach transportation originating from
                                                                                                                                                                           cruise across scenic Lake Nahuel Huapi.         707-269-3456 or toll-free 866-486-7782.              RSVP: Judith Stoffer or Kathi Wingo:
    RSVP: Gloria Johnson at 541-440-3944 or                 a yet undisclosed location-2007                            Grants Pass with pick-up stops along
                                                                                                                                                                                                                                                                                707-269-3456 or toll-free 866-486-7782.
    toll-free, 866-486-7782.                              • Peru, the Inca ruins & the Amazon-2007                     I-5. There will be no refunds after
                                                          • Italy on a Shoestring-Spring 2008                          payment, unless the waiting list policy
                                                                                                                       applies. Call Gloria 541-440-3944 or
                                                                                                                       toll-free 866-486-7782.
2                                                                                                                                                                                                                                                                                                                                 3
            Club Carefree 50 is an exclusive club geared toward people 50 or better, offering tons of great benefits such
            as travel discounts, The world’s Greatest Reads Book Club, Club Carefree 50 Community Connection Corps
            and much much more. Visit your closest Umpqua Bank for more information about Club Carefree 50 and the
            Cruise checking account especially designed for people 50 or better. Member FDIC

                                                                                                             New Passport
    Lifelong Learning                                                                                        Regulations
                                                                                                             • Beginning December 31, 2006, ALL United
    All Over Oregon                                                                                            States citizens will be required to have a
    AARP Driver Safety Classes
                                                                                                               valid passport for all air or sea travel to,
    This course is designed for drivers age 50                                                                 or from, the Caribbean, Canada, Mexico,
    and older, however, younger individuals                                                                    Bermuda, Bahamas, and Central and
    may also take the course. The objective of                                                                 South America.
    the class is to update driver knowledge and
    skills, resulting in safer driving habits. Classes                                                       • If you do not have a valid passport or other
    are usually held two consecutive weekday                                                                   approved documents you will be denied
    afternoons from 12:30 to 4:30. Instruction
    is provided though classroom lectures and
                                                                                                             • As of December 31, 2007 this ruling will
    videos. There are no tests other than the self-       Traveling on a Shoestring
                                                          Friday, October 27, 2006                             also be required for land, sea and air, border
    analysis test that helps the participant analyze                                                           crossings (Mexico and Canada).
    his or her driving habits and skill levels.           Time: 2–4 p.m.
                                                                                                             • Because of the expected high demand for
    The fee for the course is $10 for each                Umpqua Bank                                          passports, we suggest you send in your
    participant. Oregon law requires auto insurance       497 Oakway Rd. Ste. 100
                                                                                                               application as soon as possible.
    carriers to offer a discount on premiums to           Pre-register by October 25, 2006
    qualified graduates, age 55 and older, of                                                                 • Most travel to international destinations
                                                          Laurie Vohs at 541-342-1461
    approved courses such as the AARP Driver                                                                   requires that your passport be valid for six
                                                          or June Gaskin at 541-321-1423
    Safety Program. To graduate, a participant            Gloria Johnson—Umpqua Bank, Club                     months after your return date. Be sure to
    must attend both 4-hour sessions.                     Carefree 50 Presenter                                check the renewal date on your passport
    For information concerning classes in all                                                                  to avoid any problems.
                                                          Gloria has organized “shoestring” trips to New
    Oregon areas call 888-227-7669 or www.                York, Italy, France, Africa, China, New Zealand    • After applying you will need to allow 6 to 8                                       and Costa Rica. In “Traveling on a Shoestring”       weeks to receive your passport. The cost
                                                          you will learn how you can make your travel          is currently $97. You will need a certified
    Eureka                                                dreams come true without spending a fortune;         copy of your birth certificate from the
    AARP Driver Safety Program                            how to travel light; and how to immerse yourself     county where you were born and a driver’s
    October 26–27, 2006                                   in the culture with lasting, heartwarming            license and two passport photos to apply.
                                                          memories of the lands you visit and the              For an additional $60 the passport can be
    Time: 12:30–4:30 p.m.
                                                          people you meet. Gloria will have up to the          issued in 3 weeks, or 10 business days if
    Humboldt Plaza-Eureka                                 minute information about airline security            sent Express Mail. Passports are valid for
    Register now for this program designed                requirements.                                        10 years. Renewals are $67. If you use all
    especially for senior drivers. This 8-hour class                                                           your passport pages before your passport
                                                          If you would like to see similar presentations       expires, just request an additional supply
    is limited to 25 people and the cost is $10 per
                                                          in your area, please contact Judith Stoffer          there is no charge. Passports are issued in
    person. There are NO tests, and completion
                                                          for California locations at 707-269-3456             various venues, depending on the county
    of this course entitles you to a discount on
                                                          or email
    your insurance premium. Call Judith or Kathi                                                               of residence. For additional information,
                                                          Gloria Johnson for Oregon and Washington
    at 707-269-3456 or toll-free 866-486-7782.                                                                 log on and visit
                                                          locations at 541-440-3944 or email

    We Want to Show You a Good Time
    Movie Admission: One canned or packaged food item. All donations benefit local food banks in your area.

    Eureka Movie Day                  Grants Pass Movie Day                      Roseburg Movie Day
    Broadway Cinema                   Southgate Theatre                          Roseburg Cinema
    1223 Broadway                     1625 Ringuette                             1750 N. W. Hughwood
    Second Thursday of                Second Thursday of each month.             Third Wednesday of each month.
    each month.                       Doors open noon. Showtime 1 P.M.           Second Wednesday of December 2006.
    Doors open at 9:15 A.M.           Doors open noon. Showtime 1 p.m.           Doors open 12:45 p.m. Showtime 1:30 p.m.
    Showtime 10:00 A.M.
                                      Partners:                                  Partners:
    Call 707-269-3456 for movie                                                  Weston Eye Center. PC
                                      GM ROE Motors
    title, length and rating.                                                    Northwest Compounding Pharmacy
                                      Horizon Village
                                                                                 Rose Haven Nursing Center
                                                                                 Nilsen, Johnson & McKinney, PC

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