Exhibit 10.36

[PFS LOGO]

SERVICING AGREEMENT

|         |  |                                                                                                                                    |  |                 
|-------- |  | ---------------------------------------------------------------------------------------------------------------------------------- |  | ----------------
|DATED:   |  | March 20, 2002                                                                                                                     |  |                 
|BETWEEN: |  | Portfolio Financial Servicing Company, Inc.
a Delaware Corporation
2121 S.W. Broadway, Suite 200
Portland, OR 97201                |  | ("PFSC")        
|AND:     |  | EPI Leasing Company, a California Corporate
Subsidiary of Feather River State Bank
1227 Bridge Street, Suite C
Yuba City, CA 95991 |  | ("EPI")
("FRSB")

EPI
was engaged in the business of providing business leases. EPI desires to engage PFSC to provide certain services in connection with the EPI portfolio of lease transactions (the
"Portfolio").

NOW,
THEREFORE, the parties hereto agree as follows:

1.Portfolio Servicing.For the term of this Agreement, PFSC shall provide the services described in Schedule 1
hereto (the "Services") with respect to the EPI portfolio. PFSC hereby agrees to faithfully and diligently perform the Services in accordance with customary industry standards for servicing leases of
the type, which comprise the portfolio.

2.Compensation.





3.Effective Date.PFSC shall promptly commence providing the Services on May 1, 2002 (the "Effective
Date").

4.Conversion.EPI is presently using the services of Bancorp Financial Services, Inc. (Bancorp) to service the
portfolio. It is anticipated that a conversion will be necessary to PFSC's system. PFSC will support FRSB by providing conversion services. The conversion of the Portfolio shall entail the transfer of
lease information from Bancorp's systems to the PFSC System, reconciliation and verification of such information to FRSB source systems, and completion of parallel testing for up to a thirty-day
period. PFSC will meet with FRSB to identify and document FRSB operating, accounting, and service requirements for administering the Portfolio. PFSC will install access to its systems in FRSB office
through a leased data line, dial-up modem, or Internet connection. PFSC will provide training for FRSB' personnel on the use of PFSC's systems. After completion of the conversion PFSC will perform all
of the services described in the attached Schedule 1. A one-time fee of $4,800 will be paid in advance for the manual or electronic conversion of data. An ongoing fee of IT support will be set at an
hourly rate of $150.00 for specialized training, reporting and support.

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5.Power of Attorney.If required by PFSC in order to perform the Services, FRSB shall execute and deliver to
PFSC a revocable and limited Power of Attorney, under which PFSC may execute, on EPI behalf, vehicle title or registration documents, and other documents relating to the Services and Other Services to
be provided hereunder.

6.Term of Agreement.



7.Termination.Upon termination of this Agreement for any reason, including expiration of the Initial Term or
of any renewal term, PFSC shall release to EPI the files, books and records (including computer records) relating to the portfolio. Except in the case of termination by EPI for cause, EPI shall
reimburse PFSC for all out-of-pocket costs and expenses incurred by PFSC and pay PFSC's then current hourly rates for any programming, technical or administrative support services requested by EPI in
connection with EPI's request for the return of documents or files and transition assistance in connection with the transfer of servicing obligations. In the event of termination by EPI for cause PFSC
shall be liable to EPI for all transition expenses and costs incurred EPI.

8.Representations and Warranties of PFSC.PFSC represents and warrants the following:



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9.Representations and Warranties of EPI.EPI represents and warrants the following:



10.Access to Information.Upon giving at least 24 hours' notice, PFSC shall give EPI and its counsel,
accountants and other representatives reasonable access, during normal business hours, to all of PFSC's files, books and records (including computer records) relating to the portfolio.

11.Confidentiality.Each party agrees that it shall not disclose to any third party any information concerning
the customers, trade secrets, methods, processes or procedures or any other confidential, financial or business information of the other party which it learns during the course of its performance of
this Agreement, without the prior written consent of such other party. Notwithstanding the foregoing, PFSC and EPI may disclose each other's confidential and proprietary information without obtaining
prior written consent in the following circumstances only: (a) to employees of the disclosing party, who require such information in order to assist the disclosing party in performing this
Agreement; (b) as required in order to comply with any subpoena, audit requests, court order or applicable law, provided that disclosing party gives the other party prior written notice of such
disclosure, if possible; and (c) if such services have been requested by EPI hereunder, any disclosures in connection with any sales, use or property tax filing and filing under the Uniform
Commercial Code. Notwithstanding anything to the contrary in this Agreement, neither PFSC nor EPI shall have an obligation to keep secret any confidential or proprietary information, which is in or
becomes part of the public domain not due to the fault of any such party. The party's obligations under this Section shall survive the expiration, cancellation or other termination of this Agreement.

12.Limitation of Liability.Neither PFSC nor any of its officers, employees or agents shall be liable to EPI
for any action taken or for refraining from the taking of any action in accordance with customary industry standards for servicing; leases and loans of the type which comprise the portfolio pursuant
to this Agreement, or for mistakes or errors in judgment; provided, however, that this provision shall not protect PFSC from liability to EPI for any losses, claims, liabilities, or damages incurred
by EPI by reason of willful misconduct or gross negligence of PFSC in the performance of its duties and obligations hereunder. In no event will PFSC be liable to EPI for any losses, claims,
liabilities or damages incurred by EPI arising out of or relating to the acts or omissions of PFSC in reliance in good faith on any document, which is prepared or furnished to PFSC by EPI. EXCEPT FOR PFSC'S GROSS NEGLIGENCE OR
WILLFUL MISCONDUCT RESULTING IN A BREACH OF THIS AGREEMENT, PFSC SHALL NOT BE LIABLE FOR SPECIAL, PUNITIVE, EXEMPLARY, INCIDENTAL OR
CONSEQUENTIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY DAMAGES RESULTING FROM LOSS OF DATA, REVENUE OR PROFITS) EXCEPT FOR PFSC'S GROSS NEGLIGENCE OR WILLFUL MISCONDUCT RESULTING IN A BREACH OF
THIS

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AGREEMENT, THE MAXIMUM LIABILITY OF PFSC TO EPI ARISING OUT OF THIS AGREEMENT AND THE SERVICES TO BE PERFORMED HEREUNDER SHALL IN NO EVENT EXCEED TEN THOUSAND DOLLARS.No
damages shall be assessed or charged against PFSC when any delay or breach on its part is caused by the failure of EPI to furnish input or information required of EPI, the failure of any utility or
communications company to furnish services or for any other reasons beyond the control of PFSC.

13.Late Charge.If EPI fails to pay any amounts when due, EPI also agrees to pay to PFSC a service charge equal
to one percent (1%) per month (or the daily prorated amount thereof) on any past-due amounts.

14.Amendment.This Agreement may be amended or modified only by written agreement signed by PFSC and EPI.

15.Succession.Neither party may assign this Agreement or its rights hereunder, or delegate its obligations
hereunder without the prior written consent of the other party. Subject to the foregoing, this Agreement shall be binding upon and shall inure to the benefit of the parties and their respective
successors and assigns.

16.Waiver.No delay or omission on the part of any party in exercising any right hereunder shall operate as a
waiver of any such right or any other right. All waivers must be in writing.

17.Severability.If any provisions of this Agreement are found to be unenforceable as to any person or
circumstance, such finding shall not render such a provision invalid or unenforceable as to any other person or circumstance and shall not invalidate any other provision or provisions of this
Agreement. If
feasible, the term or provision which is found to be invalid or unenforceable shall be deemed to be modified to be within the limits of validity or enforceability.

18.Law of Agreement.This Agreement shall be construed and enforced in accordance with the laws of the State of
California. The parties further agree that this agreement was entered into in the State of California, County of Sutter.

19.Notices.All notices, requests, demands or other communications given hereunder shall be in writing and
shall be deemed to have been duly given when delivered personally or when deposited in the United States mail, postage prepaid, as registered or certified mail, to the parties at their addresses set
forth in this Agreement or to such other addresses as the parties may designate by written notice to the other party in accordance with this section. If such notice, demand or other communication is
served personally, it shall be conclusively deemed made at the time of such personal service. If such notice, demand, or other communication is given by mail, it shall be conclusively deemed given
seventy-two hours after the deposit thereof in the United States mail addressed to the party to whom such notice, demand or other communication is to be given.

20.Further Assurances.Each of the parties hereto shall execute and deliver any and all additional papers,
documents and other assurances, and shall do any and all acts and things reasonably necessary in connection with the performance of their duties and obligations hereunder and to carry out the intent
of the parties hereto.

21.Entire Agreement.This Agreement contains the entire understanding of, and supersedes all prior or
contemporaneous agreements not specifically referred to herein among the parties with respect to the subject matter hereof.

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IN
WITNESS WHEREOF, the parties have executed this Agreement as of the date first written above.

| |  | EPI Leasing Company a California Corporation
Subsidiary of Feather River State Bank
| |  | -----------------------------------------------------------------------------------
| |  | By:                                                                                
| |  | Title:                                                                             
| |  | PORTFOLIO FINANCIAL SERVICING COMPANY, INC.                                        
| |  | By:                                                                                
| |  | Title:                                                                             

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FEE SCHEDULE

PFSC will provide FRSB with a complete, tailored contract administration system that includes all functions associated with total and complete contract
administration. To provide those services PFSC will charge the following fees:

|Monthly Servicing Fees:  |  |                    
|------------------------ |  | -------------------
|Portfolio Contract Count |  | Monthly Fee        
|0-5000                   |  | $11.00 per contract

Asset management/Remarketing FeesPFSC will provide remarketing of assets for the following fees: 0-60% of book
value5% of net proceeds, 60-100% of book value10% of net proceeds, 100%+ of book value40% of net proceeds

|One time Conversion and set up Fee: |  | $4,800.00
|----------------------------------- |  | ---------
|                                    |  |          

The
above fee structure does not include:



All fees (a) through (i) will be advanced by servicer and billed to client on a monthly "pass through" basis

Optional Services

Custom programming/consulting fees $150/hr

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