The most compelling in-store experience in each Umpqua location—the talk trigger—is a silver telephone. But it’s not just any telephone. This special hotline enables any customer to press a single button to be connected directly to the bank president. Not the branch president, but the head of the entire Umpqua operation. That was Ray Davis until he moved to fill the role of executive chairman in 2017, succeeded as president and CEO by Cort O’Haver.