Document:

Network Services Agreement, dated December 31, 2001

 EXHIBIT 10.29 
  
 NETWORK SERVICES AGREEMENT 
  
 THIS NETWORK SERVICES AGREEMENT (this “Agreement”) is entered into effective as of the date provided in Section 1.19 below, by and
between U.S. BANK N.A., with its principal place of business at 601 Second Avenue South, Minneapolis, Minnesota 55402 (“Bank”), and PLACER SIERRA BANK, with its principal place of business at 649 Lincoln Way, Auburn,
California 95603 (“Company”). 
  
 Recitals

  

	A.	Bank maintains, operates, administers and participates in computerized communication and data processing networks (collectively, the “Bank Network”), which permit and
facilitate the transaction of computerized banking and other similar computerized services on a national and international basis. Bank has the capability to offer such computerized network services to third parties. 

  

	B.	Company offers certain computerized network services to its customers (“Customers”), and/or requires certain computerized network services in connection with
Company’s business. 

  

	C.	Company desires to obtain from Bank and Bank desires to provide to Company the computerized network services and other ancillary services described herein. 

 
 Agreement 
  
 NOW THEREFORE, in consideration of the foregoing premises, the mutual
promises and covenants contained herein, and for other good and valuable consideration, the sufficiency and receipt of which is hereby acknowledged, the Parties agree as follows: 
  

	1.	Definitions. In addition to other terms specifically defined in this Agreement, the following terms used in this Agreement shall have the following meanings (unless otherwise
expressly provided herein): 

  

	 	1.01	 	“AAA” means the American Arbitration Association. 

  

	 	1.02	 	“AAA Rules” shall have the meaning given such term in Section 15.09 below. 

  

	 	1.03	 	“ACH” means the Automated Clearing House. 

  

	 	1.04	 	“Affiliate” means, with respect to any Person, any Person that controls, is controlled by or is under common control with such Person. A Person shall be presumed to
have control when it possesses the power, directly or indirectly, to direct, or cause the direction of, the management or policies of another Person, whether through ownership of voting securities, by contract, or otherwise.

  

	 	1.05	 	“Average Monthly Processing Fee” means an amount equal to the standard processing fees as detailed in exhibits “A” & “B” and shall exclude
conversion and one-time fees, telecommunication services, license fees, and any other one-time charges payable by Company to Bank pursuant to this Agreement for the three highest volume months during the term of this Agreement preceding
Company’s breach of this Agreement, which three months need not be consecutive, divided by three. 

  

	 	1.06	 	“Agreement” means this Agreement, as amended, modified and supplemented from time to time. 

  

	 	1.07	 	“ATM” means automated teller machine. 

  

	 	1.08	 	“Bank” means U.S. Bank N.A. 

  

	 	1.09	 	“Bank Amendment” shall have the meaning given such term in Section 13 below. 

  

	 	1.10	 	“Bank Indemnified Party” or “Bank Indemnified Parties” means individually or collectively, as applicable, Bank, its Affiliates, and/or their
respective directors, officers, shareholders, members, managers, partners, joint-venturers, agents, employees, spouses, and legal, personal and/or other representatives. 

  

	 	1.11	 	“Bank Network” shall have the meaning given such term in Recital A above. 

  

	 	1.12	 	“Base Agreement” means the body of this Agreement, excluding the Exhibits. 

  

	 	1.13	 	“Company” means Placer Sierra Bank. 

  

	 	1.14	 	“Company Indemnified Party” or “Company Indemnified Parties” means, individually or collectively, as applicable, Company, its Affiliates, and/or
their respective directors, officers, shareholders, members, managers, partners, joint venturers, agents, employees, spouses, and legal, personal and/or other representatives. Company Indemnified Parties do not include Customers.

  

	 	1.15	 	“Confidential Information” shall have the meaning given such term in Section 8.01 herein. 

  

	 	1.16	 	“Customers” shall have the meaning given such term in Recital B above. 

  

	 	1.17	 	“Debit Card” shall mean a plastic card issued by a financial institution for use at ATMs and/or POS locations, authorizing the processing of debits and credits to
the cardholder’s account at the issuing institution. 

  

	 	1.18	 	“Dispute” means any action, dispute, claim or controversy between the Parties pertaining to or in connection with this Agreement. 

  

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	 	1.19	 	“Effective Date” shall mean the *** 

  

	 	1.20	 	“Exhibits” means, collectively, the Exhibits attached to this Agreement. 

  

	 	1.21	 	“Federal Arbitration Act” means Title 9 of the United States Code, as amended, or any successor provisions thereto. 

  

	 	1.22	 	“Gateway Services” means debit POS authorization, settlement and Reg E adjustment processing with selected EFT Networks. 

  

	 	1.23	 	“Insolvency” means a Party becoming insolvent or unable to pay its debts as they mature, filing a voluntary petition in bankruptcy, filing an answer admitting to
the jurisdiction of the court and the material allegations of an involuntary petition, making an assignment for the benefit of creditors, or applying for or consenting to the appointment of any receiver or trustee for all or substantially all of its
property. 

  

	 	1.24	 	“Laws” means, collectively, all foreign, federal, state and local laws, rules, ordinances and regulations. 

  

	 	1.25	 	“Losses” means any and all claims, judgments, damages, penalties, fines, costs, liabilities or expenses (including, without limitation, reasonable attorneys’
fees and expenses). 

  

	 	1.26	 	“Material Bank Amendment” shall have the meaning given such term in Section 13 below. 

  

	 	1.27	 	“Network Operating Regulations” means the bylaws, rules and regulations of the Network Organizations, as amended from time to time, and as such exist from time to
time. 

  

	 	1.28	 	“Network Organization” or “Network Organizations” means individually or collectively, as applicable, PLUS System, Inc., CIRRUS System,
Incorporated, VISA USA, Inc., MasterCard International, Inc., Greenwood Trust Company and/or American Express Travel Related Services Company, Inc. 

  

	 	1.29	 	“Nonperformance” the failure of a Party to pay any monetary obligation hereunder or to substantially perform any non-monetary material condition, obligation,
requirement or service hereunder. 

  

	 	1.30	 	“Orders” means, collectively, all directives or decrees of any governmental agencies, courts or authorities. 

  

	 	1.31	 	“Party” or “Parties” means individually or collectively, as applicable, the Bank and/or Company. 

  

	 	[***]	 	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

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	 	1.32	 	“Person” means an individual, partnership, limited liability company, association, corporation or other entity. 

  

	 	1.33	 	“Renewal Term” shall have the meaning given such term in Section 4.01 below. 

  

	 	1.34	 	“Services” shall have the meaning given such term in Section 2.01 below. 

  

	 	1.35	 	“Settlement Account” shall have the meaning given such term in Section 3.02(a) below. 

  

	 	1.36	 	“Sponsor” shall mean any member of Visa and/or MasterCard which assumes responsibility for another member’s performance or non-performance of its obligations,
in accordance with Visa and/or MasterCard by-laws and operating regulations. 

  

	 	1.37	 	“Sponsored Member” means any Visa and/or MasterCard member whose right to participate is dependent upon its sponsorship from another member.

  

	 	1.38	 	“Transaction” shall have the meaning given such term in the Exhibits. 

  

	2.	Services; Exclusivity. 

  

	 	2.01	 	Services. Subject to the terms and conditions of this Agreement, Bank shall provide to Company the computerized network services and other ancillary services set forth in
Exhibits A and B attached hereto (collectively, the “Services”). 

  

	 	2.02	 	Company Assistance. At the request of Company and in accordance herewith, Bank shall assist Company as is reasonably necessary to resolve Bank-based operational or systemic
problems. 

  

	 	2.03	 	Exclusivity. During the term of this Agreement, Bank shall be the sole and exclusive provider of the Services to Company. 

  

	3.	Fees and Payment. 

  

	 	3.01	 	Fees. In consideration of the Services provided to the Company hereunder, Company shall pay to Bank the fees, charges and expenses as set forth in Exhibits A and B attached
hereto. In addition to such fees, charges and expenses, Company shall pay all fees, charges, expenses, penalties, fines, assessments and additional or increased costs of any nature as may be charged to Bank by a Network Organization or any other
third party unless Bank is responsible for such third party costs under the terms of this Agreement. 

  

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	 	3.02	 	Payment of Fees. 

  

	 	(a)	Settlement Account. Company shall at all times maintain a depository account at a financial institution acceptable to Bank for the purposes of settling daily and monthly
activity pursuant to this Agreement, for billing and payment of fees, charges and expenses due hereunder, and for all other purposes described hereunder or determined to be appropriate by Bank (the “Settlement Account”).

  

	 	(b)	Payment. Within twenty-five (25) days after the end of each calendar month during the term hereof, Bank shall calculate the fees, charges and expenses payable to Bank by
Company hereunder with respect to such concluded calendar month, and shall be entitled to debit the Settlement Account by ACH for all such amounts on the last business day of the month for the preceding calendar month. In the event funds in the
Settlement Account at the time of such debit are insufficient to pay Bank the full amounts due Bank, Company shall, upon demand by Bank, immediately pay Bank such remaining amounts by ACH or other method specified by Bank. Company will pay Bank
interest of 1.5% per month on outstanding balances 

  

	 	(c)	Billing Statements; Disputed Charges. Within twenty-five (25) days after the end of each calendar month during the term hereof, Bank shall deliver to Company a statement of
the fees, charges and expenses payable to Bank by Company hereunder with respect to such concluded calendar month. All fees, interchange rates, surcharge rates and other amounts reflected on such statement shall be deemed accurate and final unless
Company delivers a written notice to Bank disputing any such amounts within ninety (90) days after Company’s receipt of such statement. 

  

	4.	Term and Termination. 

  

	 	4.01	 	Term. Unless terminated earlier in accordance with Section 4.02 below, the initial term of this Agreement shall commence as of the Effective Date and terminate *** years
after the date of the first successful Transaction, and shall be automatically renewed on the same terms and conditions for successive *** year renewal terms (each, a “Renewal Term”) thereafter, unless one Party provides written
notice to the other Party of its intent not to renew at least six (6) months prior to the expiration of the term then in effect. 

  

	 	4.02	 	Early Termination. 

  

	 	(a)	Termination By Bank. Subject to Company’s right to cure under Section 4.02(c), Bank may terminate this Agreement by written notice to Company upon or at any time after
the occurrence of any of the following events: 

  

	 	(i)	The taking of control or possession of the assets of Company by any governmental authority. 

  

	 	[***]	 	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

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	 	(ii)	The dissolution, liquidation (partially or wholly), consolidation or merger of the Company, or its participation in any other business combination. 

  

	 	(iii)	The sale, lease, assignment, transfer or other disposition of any substantial part of the Company’s assets in a single transaction or series of transactions, which Bank
reasonably deems to be material and adverse to Bank and/or Company. 

  

	 	(iv)	Any change in the ownership of the voting stock or equity of the Company in a single transaction or series of transactions, which Bank reasonably deems to be material and adverse to
Bank and/or Company. 

  

	 	(v)	The occurrence of any adverse change in the financial condition of the Company, which Bank reasonably deems to be material and adverse to Bank and/or Company.

  

	 	(vi)	If any statement, representation or warranty made by Company to Bank, or materials provided by Company to Bank, is or are deemed by Bank to be untrue in any material respect, either
when made or provided, or during the term of this Agreement. 

  

	 	(vii)	This Agreement is prohibited by a Network Organization, or the performance of this Agreement is substantially impaired by any Network Operating Regulations, as determined by Bank.

  

	 	(viii)	The conviction by a court of competent jurisdiction of a Company principal or manager for fraud, dishonesty or theft. 

  

	 	(ix)	Based upon the financial information provided by Company pursuant to this Agreement and such other information obtained by Bank from any source, which Bank deems to be relevant, the
failure of Company to satisfy Bank’s credit standards and criteria in effect from time to time with respect to the Services and/or Company’s relationships with Bank. 

  

	 	(x)	Termination or suspension of Company’s membership rights in any applicable Network Organization. 

  

	 	(b)	Termination By Company. Subject to Bank’s right to cure under Section 4.02(c), Company may terminate this Agreement by written notice to Bank upon or at any time after
the occurrence of any of the following events: 

  

	 	(i)	The taking of control or possession of the assets of Bank by any governmental authority. 

  

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	 	(ii)	The dissolution, liquidation (partially or wholly), consolidation or merger of the Bank, or its participation in any other business combination. 

  

	 	(iii)	Any change in the ownership of the voting stock or equity of the Bank in a single transaction or series of transactions, which Company reasonably deems to be material and adverse to
Bank and/or Company. 

  

	 	(iv)	If any statement, representation or warranty made by Bank to Company, or materials provided by Bank to Company, is or are deemed by Company to be untrue in any material respect,
either when made or provided, or during the term of this Agreement. 

  

	 	(v)	This Agreement is prohibited by a Network Organization, or the performance of this Agreement is substantially impaired by any Network Operating Regulations, as determined by
Company. 

  

	 	(vi)	The conviction by a court of competent jurisdiction of a Bank principal or manager for fraud, dishonesty or theft. 

  

	 	(vii)	Termination or suspension of Company’s membership rights in any applicable Network Organization, except if the termination arises from the misconduct or negligence of the
Company. 

  

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	 	(c)	Termination Upon Event of Default. 

  

	 	(i)	Event of Default. In addition to other terms set forth herein, each term outlined in Sections 4.02(a)(i) through 4.02(a)(x) shall constitute an “event of default”
hereunder. The occurrence of any of the following events shall also constitute an “event of default” hereunder: 

  

	 	(I)	Nonperformance. A defaulting Party shall have (a) ten (10) days to cure any Nonperformance of a monetary obligation following written notice from the other Party of
nonpayment, and (b) sixty (60) days to cure any Nonperformance of a non-monetary condition, obligation, requirement or service following receipt of written notice from the other Party of the Nonperformance, and so long thereafter as may be
reasonably necessary, provided the non-performing Party proceeds in good faith and with due diligence to remedy and cure such Nonperformance. Such notice shall specify the Nonperformance in reasonable detail. If Nonperformance is not cured within
the applicable cure period, an event of default hereunder shall be deemed to have occurred. 

  

	 	(II)	Insolvency. If Insolvency occurs with respect to either Party, an event of default shall be deemed to have occurred hereunder. 

  

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	 	(ii)	Result of Default. Upon an event of default hereunder, the performing Party may immediately terminate this Agreement by delivering a written termination notice to the other
Party and/or may pursue any other remedy available to the performing Party at law or in equity. The exercise of any right or remedy shall not preclude the concurrent or subsequent exercise of any other right or remedy, and all rights and remedies
shall be cumulative. 

  

	 	(d)	Termination by Company for Material Bank Amendment. In the event of a Material Bank Amendment to which Company objects, Company shall provide a written notice of objection to
Bank (an “Objection Notice”) within thirty (30) days after Company’s receipt of written notice of such Material Bank Amendment from Bank. Company and Bank shall then use their reasonable best efforts to resolve such dispute for
a thirty (30) day period after Bank’s receipt of an Objection Notice. In the event Bank and Company are unable to resolve such dispute within such thirty (30) day period, Company may terminate this Agreement with no liability for liquidated
damages, by delivering a written termination notice to Bank after the expiration of such thirty (30) day resolution period. Pending resolution of such dispute, the Parties shall continue to diligently observe the terms and provisions of this
Agreement without an increase in fees or charges payable to Bank by Company, if any, related to such Material Bank Amendment. In the event Company fails to timely deliver an Objection Notice to Bank, Company shall be deemed to have accepted such
Material Bank Amendment. 

  

	 	(e)	Penalty for Early Termination. In addition to the Deconversion Fees set forth in Exhibits A and B hereto, in the event of early termination by Company, Company shall pay to
Bank *** in an amount equal to the *** for the terminated services during the Term of the Agreement, multiplied by the number of *** remaining in the then ***. Notwithstanding anything herein to the contrary, Company shall not be liable for *** upon
early termination if Bank is in material default. 

  

	 	(f)	No Other Termination. Except for the right of a Party to give notice of non-renewal of this Agreement pursuant to Section 4.01 above, neither Party may terminate this
Agreement, except as provided in this Section 4.02. 

  

	5.	Exhibits; Network Operating Regulations; Conflict. 

  

	 	5.01	 	Governing Authority. The Parties’ respective rights and obligations hereunder are governed by this Agreement, and the Network Operating Regulations, as applicable.

  

  

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

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	 	5.02	 	Exhibits; Conflict. The Exhibits are incorporated herein by this reference. Notwithstanding anything to the contrary contained herein, the terms and provisions of the Base
Agreement shall be modified, supplemented and/or replaced by the terms and provisions of the Exhibits. Without limiting the applicability of the other provisions of the Base Agreement, the provisions of the Exhibits shall be in addition to, and not
in lieu of, the other provisions of the Base Agreement; provided, however, where a provision or any portion of an Exhibit conflicts with the other provisions of the Base Agreement, the provision or portion thereof set forth in such Exhibit shall
prevail to the extent of such conflict. 

  

	 	5.03	 	Network Operating Regulations; Conflict. The Network Operating Regulations, if and to the extent applicable, are incorporated herein by this reference. Notwithstanding
anything to the contrary contained herein, the terms and provisions of this Agreement shall be modified, supplemented and/or replaced by the terms and provisions of the Network Operating Regulations. Without limiting the applicability of the other
provisions of this Agreement, the provisions of the Network Operating Regulations shall be in addition to, and not in lieu of, the other provisions of this Agreement; provided, however, where a provision or any portion of the Network Operating
Regulations conflicts with the other provisions of this Agreement, the provision or portion thereof set forth in the Network Operating Regulations shall prevail to the extent of such conflict. Company acknowledges it will abide by applicable Network
Operating Regulations. 

  

	6.	Company Obligations. 

  

	 	6.01	 	Customer Service and Communications. Except as otherwise specifically set forth in this Agreement, Company shall be solely responsible for providing all customer service to
the Customers with respect to the Services and Company’s provision of services to the Customers, including without limitation all related charges and expenses of Bank, and settlement, reconciliation and other problems, and otherwise
communicating with and servicing the Customers. Bank’s obligations under this Agreement are limited to providing the Services to Company to enable Company to provide its goods and/or services to the Customers. 

  

	 	6.02	 	Hardware, Software, Equipment and Supplies. Company, either directly and/or as arranged by Company with the Customers, is responsible for supplying and maintaining all
electricity, communications hardware and software, and all other equipment, materials, supplies and other requirements, necessary for the effective use of the Services. 

  

	 	6.03	 	Information Delivery Requirements. 

  

	 	(a)	Generally. Company shall provide Bank with true, accurate and complete information regarding Company and the Customers, as and when requested by Bank, in order to permit Bank
to perform its obligations hereunder. 

  

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	 	(b)	Financial Information. Within thirty (30) days after Company’s receipt of Bank’s written request, Company shall provide to Bank a copy or copies of Company’s
audited financial statements as prepared by an independent certified public accountant selected by Company, or Form 10-K as filed by Company with the Securities and Exchange Commission, for Company’s most recent fiscal year. Company shall also
provide to Bank from time to time, as and when requested by Bank, such other information regarding the financial condition of Company. In the event that Company has provided the foregoing financial information pursuant to another relationship
between Company and Bank, or between Company and any Affiliate of Bank (if such information is available to Bank), Company will be deemed to have complied with the requirements of this Section. 

  

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	 	6.04	 	Compliance With Network Operating Regulations and Network Agreements. Company shall (and shall cause its Affiliates and the Customers to) at all times comply with and conduct
their respective activities in accordance with all the terms and provisions of the Network Operating Regulations, copies of which will be provided, and any other agreement to which Company and a Network Organization are parties (including, without
limitation, any Network Organization membership agreements), all as applicable to the Services and Company’s provision of goods and/or services to the Customers. 

  

	 	6.05	 	Compliance with Laws and Orders. Company shall (and shall cause its Affiliates and the Customers to) at all times comply with and conduct their respective activities in
accordance with all Laws and Orders applicable to the Services and Company’s provision of goods and/or services to the Customers. 

  

	7.	Network Organizations. 

  

	 	7.01	 	Network Organization Membership and Sponsorship. If it becomes necessary for Company to obtain some form of membership with any Network Organization(s) in connection with the
Services, Company shall obtain and maintain such membership(s). Bank may, as part of the Services, use all reasonable efforts to perform such acts and do such things as may be required by a Network Organization to assist Company in obtaining such
membership(s), including sponsoring the Company in the Network Organization(s). Company shall pay any and all initial and other ongoing registration and membership fees assessed by any Network Organization(s) with respect to Company’s
membership(s) therein, and shall reimburse Bank on demand in the manner specified in Section 3.02 above for any and all costs and expenses incurred by Bank in connection with assisting Company in obtaining such membership(s).

  

	 	7.02	 	Network Organization Obligations. Company shall take all actions required from time to time by any Network Organization in connection with the Services, and shall pay all
fees, charges, fines, penalties or other costs assessed from time to time by any Network Organization in connection with the Services related to Company’s acts or omissions. In the event a Network Organization bills Bank or requires Bank to pay
any such fees, charges, fines, penalties or other costs, Bank shall provide an invoice or written notice to Company of such assessed amounts, and Company shall, at the direction of Bank, pay such amounts directly to the Network Organization or
reimburse Bank on demand for such amounts in the manner specified in Section 3.02 above. 

  

	 	7.03	 	 Information Reporting by Bank. Company acknowledges that the Network Operating Regulations may require or encourage Bank to obtain and/or report information
regarding Company to one or more Network Organizations. Accordingly, notwithstanding Section 8.02 below, Company hereby authorizes Bank to provide any information obtained by Bank in connection with this Agreement to each Network Organization, and
hereby forever releases, discharges and acquits Bank from any Losses incurred by Company arising from or directly 

  

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or indirectly related to Bank obtaining and/or reporting such information to the Network Organizations, and shall indemnify, defend and hold harmless the
Bank Indemnified Parties from and against any Losses incurred by any Bank Indemnified Party arising from or directly or indirectly related to Bank obtaining and/or reporting such information to the Network Organizations.

  

	8.	Confidentiality & Privacy. Confidential Information. Bank and Company acknowledge that each Party may have access to, or each party may provide to the other party,
information and/or documentation which the respective party regards as confidential or otherwise of a proprietary nature. The party disclosing the information, and its contractors or agents, are referred to collectively as the “Owner” of
the information. The party receiving the information, and its contractors and agents, are referred to collectively as the “Recipient”. 

  

	 	8.01	 	Definition of Confidential Information. Bank’s “Confidential Information” includes information of a commercial or proprietary nature. The Company’s
“Confidential Information,” includes information of a commercial or proprietary nature and information related to the Company’s Customers. Confidential Information includes, but is not limited to, the following, whether now in
existence or hereafter created: 

  

	 	8.1.1	All information marked as “confidential” or with similar designation, or information which the Recipient should, in the exercise of reasonable judgment, recognize to be
confidential; 

  

	 	8.1.2	All information protected by rights embodied in copyrights, whether registered or unregistered (including all derivative works), patents or pending patent applications, “know
how,” trade secrets, and any other intellectual property rights of the Owner; 

  

	 	8.1.3	All business, financial or technical information of the Owner and any of the Owner’s Banks; 

  

	 	8.1.4	The Owner’s marketing philosophy and objectives, promotions, markets, materials, financial results, technological developments and other similar proprietary information and
materials; and 

  

	 	8.1.5	Any and all information of or about Customers of the Company, of any nature whatsoever, and specifically including but not limited to customer lists, customer financial information,
and the fact of the existence of a relationship, or potential relationship, between the Company and customers. 

  

	 	8.1.6	All notes, memoranda, analyses, compilations, studies and other documents, whether prepared by the Owner, the Recipient or others, which contain or otherwise reflect Confidential
Information. 

  

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	 	8.02	 	Recipient agrees now and at all times in the future that all such Confidential Information shall be held in strict confidence and disclosed only to those employees or agents whose
duties reasonably require access to such information. Recipient shall protect such Confidential Information using the same degree of care, but no less than a reasonable degree of care, to prevent the unauthorized use, disclosure or duplication
(except as required for backup systems) of such Confidential Information as Recipient uses to protect its own Confidential Information. 

  

	 	8.2.1	If Recipient is required by a court or governmental agency having proper jurisdiction to disclose any Confidential Information, Recipient shall promptly provide to the Owner notice
of such request so that the Owner may seek an appropriate protective order. 

  

	 	8.2.2	Bank shall establish data security policies and procedures to ensure compliance with this section and that are designed to: 

  

	 	8.2.3	Ensure the security and confidentiality of Company’s customer Confidential Information; 

  

	 	8.2.4	Protect against any anticipated threats or hazards to the security or integrity of such Confidential Information; and 

  

	 	8.2.5	Protect against the unauthorized access to or uses of such Confidential Information that could result in substantial harm or inconvenience to any customer. 

 

	 	8.2.6	Bank agrees to permit Company to audit Bank’s compliance with this section during regular business hours upon reasonable notice to Bank and to provide to the Company copies of
audits and system test results acquired by Bank in relation to the systems used to deliver services to the Company or the Company’s customer’s under this Agreement. 

  

	 	8.03	 	Limited Use of Confidential Information and Survival of Obligations. 

  

	 	8.3.1	Recipient may use the Confidential Information only as necessary for Recipient’s performance of its obligations to the Owner and for no other use. Each party agrees not to
sell, distribute, or transfer any such information of the other party, its employees, subcontractors, or agents including, but not limited to, profiles, preferences, purchasing patterns, travel history, drivers license information, addresses, phone
numbers, birth dates, to third parties for solicitation of personal or professional goods or services, or use any such information for any purpose other than the performance of its duties and obligations under this Agreement without the prior
written consent of the Owner, which consent may be withheld at that party’s sole and complete discretion. Recipient’s limited right to use the Confidential Information shall expire when Owner no longer requires Recipient’s performance
hereunder. 

  

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	 	8.3.2	Recipient’s obligations of Confidentiality and non-disclosure shall survive beyond Recipient’s duty to perform and shall survive termination or expiration of any agreement
between Owner and Recipient. 

  

	 	8.3.3	Upon expiration of Recipient’s limited right to use the Confidential Information, Recipient shall return all physical embodiments thereof to Owner or, with Owner’s
permission, Recipient may destroy the Confidential Information. Recipient shall provide written certification to Owner that Recipient has returned, or destroyed, all such Confidential Information in Recipient’s possession, and thereafter,
neither Recipient nor its representatives or agents shall have any further right to use the Confidential Information in any way. 

  

	 	8.04	 	Disclosure to Third Parties. 

  
 If Recipient is allowed or required to disclose any of the Owner’s Confidential Information to any third party in the context of fulfilling Recipient’s
obligations to said Owner, then Recipient shall ensure that such third party or parties shall have express obligations of confidentiality and nondisclosure, with regard to the Confidential Information, substantially similar to Recipient’s
obligations hereunder, set forth in writing. For purposes of this Agreement, liability for damages because of disclosure of the Owner’s Confidential Information by any such third parties shall be with Recipient. 
  

	 	8.05.	 	Exceptions. 

  
 Notwithstanding the foregoing, the term “Confidential Information” shall not include any portion of such information that Recipient can
establish by clear and convincing evidence to have: 
  

	 	8.5.1	been or become publicly known without breach of this Agreement; or 

  

	 	8.5.2	been or become known by Recipient without any obligation of confidentiality, prior to disclosure of such Confidential Information; or 

  

	 	8.5.3	been received in good faith by the receiving party from a third-party source having the right to disclose such information; or 

  

	 	8.5.4	is subsequently and independently developed by employees, consultants or agents of Recipient without reference to the Confidential Information disclosed pursuant to this Agreement.

  

	 	8.06	 	 Remedies. Recipient acknowledges that the unauthorized use, disclosure or duplication of any such Confidential Information shall constitute a material breach
of this Agreement and is likely to cause irreparable injury to Owner and/or to Company’s customers for which the Company and/or the Company’s customers will have no adequate remedy at 

  

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law. Accordingly, Recipient hereby consents to the entry of injunctive relief against it to prevent or remedy any breach of the confidentiality obligation
described herein without Owner being required to post bond, or, if bond is required, only nominal bond. Such injunctive relief shall not be in lieu of any remedies at law which may be available. 

  

	9.	Legal Compliance. 

  

	 	9.01	 	Suspension of Services. Bank may, at its sole option, suspend any or all Services based upon Bank’s reasonable determination of the occurrence or potential for
occurrence of illegal or wrongful activity, fraudulent use or attempted fraudulent activity by Company. 

  

	 	9.02	 	Notification of Noncompliance. Company shall promptly notify Bank of any failure, of which Company obtains knowledge, by any Company, its Affiliates or any Customer to comply
with any Laws or Orders applicable to the Services or Company’s provision of goods and/or services to the Customers. 

  

	10.	Insurance. Company shall obtain and maintain in full force and effect at all times during the term of this Agreement all insurance that may be required to be obtained from
time to time by Bank, any government agencies, any Network Organization or reasonably prudent business practices, and will, upon request, provide Bank with written evidence of such insurance. Without limiting the generality of the foregoing, Company
shall obtain and maintain in full force and effect at all times during the term of this Agreement, a policy or policies of comprehensive general liability insurance, including products and contractual liability insurance, in an amount not less than
one million dollars ($1,000,000) combined single limit with an insurance company acceptable to Bank. If any such insurance is on a claims made basis, such insurance shall include appropriate “tail” coverage in comparable amounts, which
requirement shall survive the expiration or termination of this Agreement as to the Services provided hereunder. If possible, all such insurance shall include an extended discovery period endorsement. Each such insurance policy shall name Bank as an
additional insured. Company shall promptly inform Bank of Company’s receipt of notice of cancellation or material change in the terms of such insurance. 

  

 16 

	11.	Indemnification. 

  

	 	11.01	 	Indemnification by Company. Company shall indemnify, defend and hold Bank Indemnified Parties harmless from and against any and all Losses paid or incurred by any Bank
Indemnified Party arising from or directly or indirectly relating to: 

  

	 	(a)	Company’s breach of any term or provision of this Agreement; 

  

	 	(b)	The violation by Company, its Affiliates, or their respective employees, agents or representatives of any Law or Order with respect to the use of or provision of Services or
Company’s provision of goods and/or services to the Customers; 

  

	 	(c)	The breach by Company, its Affiliates, or their employees, agents or representatives of any term or provision of the Network Organization Regulations with respect to the use of or
provision of Services or Company’s provision of goods and/or services to the Customers; 

  

	 	(d)	The willful misconduct, fraud, intentional tort or negligence of Company, or its respective employees, agents or representatives with respect to the use of or provision of Services,
Company’s provision of goods and/or services to the Customers, or the Customers’ provision of goods and/or services to their respective customers; or 

  

	 	(e)	Any claim made by any third party (including, without limitation, any Customer, or customers of a Customer) against any Bank Indemnified Party, attributable in whole or in part to
Company, its Affiliates, the Customers, or their respective employees, agents or representatives with respect to the use of or provision of Services, Company’s provision of goods and/or services to the Customers, or the Customers’
provision of goods and/or services to their respective customers. 

  

	 	11.02	 	Indemnification by Bank. Bank shall Indemnify, defend and hold Company Indemnified Parties harmless from and against any and all Losses paid or incurred by any Company
Indemnified Party arising from or directly or indirectly relating to: 

  

	 	(a)	Bank’s breach of any term or provision of this Agreement; 

  

	 	(b)	The violation by Bank, its Affiliates, or their respective employees, agents or representatives of any Law or Order with respect to the provisions of this Agreement;

  

 17 

	 	(c)	The breach by Bank, its Affiliates, or their employees, agents or representatives of any term or provision of the Network Organization Regulations with respect to the provisions of
this Agreement; 

  

	 	(d)	The willful misconduct, fraud, intentional tort or negligence of Bank or their respective employees, agents or representatives with respect to the performance or lack of performance
of the Service. 

  
 Notwithstanding anything to the
contrary contained herein, except as expressly set forth in this Section 11.02, Bank shall have no other duty of indemnity or liability to any Company Indemnified Party for any Losses. In addition, notwithstanding the foregoing the Bank shall have
no duty of indemnity or liability to any person claiming through a Company Indemnified Party (including, without limitation, the Customers, or any customers of the Customers) for any Losses. 
  

	 	11.03	 	Survival. This Section 11 shall survive the termination or expiration of this Agreement. 

  

	12.	Representations and Warranties. Each Party represents and warrants to the other Party as follows: 

  

	 	12.01	 	Organization. Such Party is duly organized, validly existing and in good standing pursuant to applicable state and/or federal laws under which it is organized, and is
qualified to do business in all jurisdictions as may be required for the conduct of its business activities hereunder. 

  

	 	12.02	 	Power and Authority. Such Party has full power and lawful authority to (i) own and operate its assets, properties and business; (ii) carry on its business as presently
conducted and (iii) enter into and perform this Agreement. The persons executing this Agreement have full authority to bind such Party to the terms and conditions hereof. 

  

	 	12.03	 	Authorizations; No Violations. Such Party’s execution and delivery of this Agreement, and performance hereof: (i) are within its organizational powers; (ii) have been
duly authorized by all necessary organizational action, if required by its governing organizational documents; (iii) does not and will not conflict with or constitute a breach or violation of its governing organizational documents, (iv) does not and
will not conflict with or constitute a breach or violation of any Law or Order by which such Party or any of its properties, assets or business is bound or affected; (v) does not and will not conflict with or constitute a breach or violation of any
material agreement, indenture, deed of trust, lease, mortgage, loan agreement or any other material instrument or undertaking to which such Party is a party, or by which such Party or any of its properties, assets or business may be bound or
affected; and (vi) does not and will not require the authorization or consent of any third party. 

  

 18 

	 	12.04	 	Binding Obligation. This Agreement constitutes a valid and legally binding obligation of such Party, enforceable in accordance with its terms and conditions.

  

	13.	Bank Amendments. Bank shall have the right from time to time, in its sole discretion, to amend all or any portion of this Agreement and/or to make any and all modifications,
updates, improvements, adjustments, changes or other amendments to the Bank Network and/or the Services (collectively, a “Bank Amendment”). Bank shall give Company written notice of a Bank Amendment not less than thirty (30) days
before the effective date of such Bank Amendment; provided, however, Bank shall not be required to notify Company of Bank Amendments relating to the Bank Network or the Services which are not material and adverse to Company, as reasonably determined
by Bank. If any Bank Amendment results in a material increase in fees or charges payable to Bank by Company, or is otherwise material and adverse to Company as reasonably determined by Bank (collectively, a “Material Bank
Amendment”), the notice of Bank Amendment sent by Bank to Company shall so specify. 

  

 19 

	14.	Use of Service Marks, Trademarks, Names and Logos. 

  

	 	14.01	 	Bank Service Marks, Trademarks, Names and Logos. Company may not use a service mark, the name or logo of Bank or any Affiliate of Bank for promotion or any other purpose
without Bank’s prior written consent, which consent shall not be unreasonably withheld. Any request for such consent shall be in writing and shall include samples of, or designs for, Company’s proposed use, which shall conform with the
graphic standards adopted from time-to-time by Bank or its Affiliates. Such use shall be in full compliance with such other terms and conditions specified by Bank. 

  

	 	14.02	 	Network Organization Service Marks, Trademarks, Names and Logos. Company may not use a trademark, service mark, name or logo of a Network Organization for promotion or any
other purpose unless such use is authorized by such Network Organization. Such use shall be in full compliance with the Network Organization’s Operating Regulations, and such other terms and conditions specified by such Network Organization.

  

	15.	Miscellaneous. 

  

	 	15.01	 	Force Majeure. Notwithstanding anything to the contrary contained herein, no Party shall be liable to the other Party for any failure or delay on its part to perform, and
shall be excused from performing, any of its obligations hereunder if such failure, delay or nonperformance results in whole or in part from any cause beyond the reasonable control of such Party, including, without limitation, any act of God; any
fire, flood or weather condition; any earthquake; any act of a public enemy, war, riot, explosion, labor or material shortage, blackouts or brownouts; any interruption or shortage of, or failure or delay in, transportation, utilities, material,
supplies, equipment, machinery, power or spare parts; and any act of any military or civil authority. 

  

	 	15.02	 	Survival. All obligations of a Party hereunder and/or under the Network Operating Regulations arising or accruing prior to the termination or expiration of this Agreement
shall survive and continue in full force and effect notwithstanding such termination or expiration, including, without limitation, any obligation for the payment of fees, charges, penalties or other amounts. 

  

 20 

	 	15.03	 	Notices. All notices, demands or other communications required or permitted to be given hereunder shall be in writing, and any and all such items shall be deemed to have been
duly delivered upon personal delivery; or as of the third business day after mailing by United States mail, registered or certified, return receipt requested, postage prepaid, addressed as follows; or as of the immediately following business day
after deposit with Federal Express or a similar overnight courier service by which receipt may be confirmed, charges prepaid, addressed as follows; or upon delivery by facsimile (with telephone confirmation of delivery and machine generated proof of
transmission) to the facsimile number set forth below: 

  

			
	 To Bank:
	  	 With a copy to:

	 U.S. Bank, N.A.
	  	 U.S. Bank Legal Department

	 Commerce Court
	  	 MPFP 2801

	 4 Station Square
	  	 601 Second Avenue South

	 Suite 620
	  	 Minneapolis, Minnesota 55402-4302

	 Pittsburgh, Pennsylvania 15219-0001
	  	 Attn: Network Services Counsel

	 Attention: Network Services
	  	 Phone: (612) 973-0069

	 Phone: (800) 541-4583
	  	 Facsimile: (612) 973-3257

	 Facsimile: (412) 552-2290
	  	 
		
	 To Company:
	  	 With a copy to”

	 Placer Sierra Bank
	  	 
	 649 Lincoln Way
	  	 Prenovost, Normandin,

	 Auburn, California 95603
	  	 Bergh & Dawe

	 Attention: Diane R. Demarest,
	  	 2020 East First Street, Suite 500

	 Senior Vice President
	  	 Santa Ana, CA 92705-4033

	 Phone: (530) 888-2900
	  	 Phone: (714) 547-2444

	 Facsimile: (530) 888-2952
	  	 Facsimile: (714) 835-2889

  
 Any Party may change
its notice information by written notice given to the other Party in accordance with this Section. 
  

	 	15.04	 	Entire Agreement. This Agreement, the Exhibits, the Network Operating Regulations and all other matters incorporated by reference herein or therein constitute the entire
agreement between the Parties with respect to the subject matter hereof, and supersedes and replaces in their entirety any and all prior agreements between the Parties with respect to such subject matter, either oral or in writing.

  

	 	15.05	 	Waivers. No course of dealing and no failure by a Party to enforce any provision of or to exercise any right under this Agreement shall be construed as a waiver of such
provision or right or affect the validity of this Agreement or limit, prevent or impair the right of any Party subsequently to enforce such provision or exercise such right. The waiver by a Party of any breach or default of this Agreement by the
other Party shall be in writing, and will not operate or be construed as a waiver of any subsequent or other breach or default. 

  

	 	15.06	 	Assignability, Binding Effect. This Agreement shall not be assignable by Company without the prior written consent of Bank. This Agreement shall be assignable by Bank without
the consent of Company. Subject to the preceding sentences, this Agreement shall be binding upon and shall inure to the benefit of the Parties and their respective successors and permitted assigns. 

  

	 	15.07	 	Amendments. Except as specifically provided elsewhere in this Agreement, no amendment to this Agreement shall be effective or bind any Party unless set forth in writing and
signed by the duly authorized representatives of the Parties. 

  

 21 

	 	15.08	 	Headings. Titles and headings preceding the text of sections and paragraphs of this Agreement have been inserted solely for convenience of reference and shall neither
constitute a part of this Agreement nor affect its meaning, interpretation or effect. 

  

	 	15.09	 	Arbitration. 

  

	 	(a)	Arbitration Proceedings. Notwithstanding anything to the contrary contained herein, upon the demand of either Party, whether made before or after the initiation of legal
proceedings, but not more than thirty (30) days after service of process for such proceeding, any Dispute shall be resolved by binding arbitration administered by the AAA in accordance with its Arbitration Rules for Commercial Financial Disputes in
effect at the time, including, if applicable, the Supplementary Procedures for Large, Complex Disputes, but excluding the use of the Expedited Procedures (as modified, the “AAA Rules”). Arbitration shall be governed by the Federal
Arbitration Act and shall be conducted in Anaheim, California . Judgment upon any award rendered may be entered in any court having jurisdiction. The award of the arbitrators shall specify in writing the factual and legal bases for the award. All
awards shall be based on the Parties’ actual damages and the arbitrators shall have no authority to award punitive damages. The Parties agree to keep all Disputes and arbitration proceedings hereunder confidential. If a Party fails to answer or
otherwise acknowledge a demand to arbitrate a Dispute in accordance with the AAA Rules, the arbitrators shall enter an award without a hearing in favor of the Party demanding the arbitration. The Parties understand and agree that no Dispute decided
by arbitration may later be pursued before a court except for the purpose of enforcing (i) compliance with this arbitration provision, or (ii) a final decision by the arbitrators. 

  

	 	(b)	No Limitation on Remedies. This provision shall not limit the right of any Party to seek equitable relief, or to exercise any self-help or other rights or remedies available
pursuant to the express terms of this Agreement. 

  

	 	(c)	Costs and Expenses. The arbitrators may make an award of attorney fees and expenses of arbitration proceedings if permitted by law. Any Party who refuses to submit to
arbitration as requested or who refuses to comply with the award rendered by arbitrators or the court shall bear the reasonable costs and expenses of enforcement or compliance, whether incurred in connection with arbitration or judicial proceedings.

  

 22 

	 	15.10	 	Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the State of California, without regard to conflicts of laws principles.

  

	 	15.11	 	Severability. The provisions of this Agreement will be deemed severable, and if any provision of this Agreement is held illegal, void or invalid under applicable law, such
provision may be changed to the extent reasonably necessary to make the provision legal, valid and binding. If any provision of this Agreement is held illegal, void or invalid in its entirety, the remaining provisions of this Agreement will not be
affected, but will remain binding in accordance with their terms. 

  

	 	15.12	 	Expenses. Subject to Section 15.09(c) above, in any proceeding or other attempt to enforce, construe or to determine the validity of this Agreement, the non-prevailing Party
will pay the reasonable expenses of the prevailing Party, including reasonable attorneys’ fees and costs, expert witness fees, fees of consultants and court costs incurred in connection therewith. 

  

	 	15.13	 	Employment of Agents. Bank in its sole discretion may engage agents, including, without limitation, its Affiliates and the Network Organizations, to perform part or all of
its obligations under this Agreement at any time without the consent of Company; provided however that such action shall not affect Bank’s obligations to Company hereunder. 

  

	 	15.14	 	Relationship of the Parties. The Parties to this Agreement are independent contractors. The Parties expressly acknowledge and agree that it is not their intention or purpose
hereunder to create, nor shall this Agreement be construed as creating any type of partnership, joint venture, employer/employee relationship, franchise, or agency between the Parties. Neither Party to have any authority to act, or attempt to act,
or represent itself, directly or by implication, as an agent of the other or in any manner assume or create, or attempt to assume or create, any obligation on behalf of or in the name of the other. 

  

	 	15.15	 	Counterparts. This Agreement may be executed in multiple counterparts, each of which shall be deemed to be an original and all of which, when taken together, shall constitute
one and the same Agreement. 

  

	 	15.16	 	Facsimile Signature. This Agreement may be executed by facsimile signature and a facsimile signature of this Agreement shall constitute an original signature.

  

 23 

	 	15.17	 	Consent to Jurisdiction; Venue; Service of Process. Each Party submits to personal jurisdiction in the State of California for the enforcement of the provisions of this
Agreement and irrevocably waives any and all rights to object to such jurisdiction for the purposes of litigation to enforce or interpret any provision of this Agreement. Each Party agrees that any action, suit or proceeding initiating or involving
any Party to enforce or interpret this Agreement shall be brought in a state or federal court in the City of Anaheim and County of Orange, California. Each Party hereby irrevocably waives any objection which it may have to the laying of the venue of
any such action, suit or proceeding in any such court and hereby further irrevocably waives any claim that any such action, suit or proceeding brought in such a court has been brought in an inconvenient forum. In the event either Bank or Company at
any time does not maintain a registered agent for service of process in the State of California, each Party hereby appoints the Secretary of the State of California as its agent for service of process; provided, however, each Party shall deliver to
the other Party in accordance with the notice requirements of this Agreement a copy of any such service of process made upon the Secretary of the State of California. Bank and Company hereby consent that service of process in any action, suit or
proceeding may be made by service upon the aforesaid agent for service of process, by personal service upon the Party being served, or by delivery in accordance with the notice requirements of this Agreement. 

  

	 	15.18	 	Waiver of Jury Trial. EACH PARTY IRREVOCABLY WAIVES ITS RIGHT TO TRIAL BY JURY IN ANY ACTION OR PROCEEDING OF ANY ISSUE, CLAM, COUNTERCLAIM OR OTHER CAUSE OF ACTION, WHETHER
IN CONTRACT OR TORT, BASED UPON OR ARISING OUT OF THIS AGREEMENT, OR ANY OTHER AGREEMENT OR DEALINGS RELATING TO THE SUBJECT MATTER OF THIS AGREEMENT. 

  

 24 

 In WITNESS WHEREOF, the Parties have executed this Agreement as of the last date written below. 
  

			
	 BANK:
  
 U.S. BANK, N.A.

		
	By:	 	/s/    Illegible        
	 Name: 
	 	Illegible
	 Title:
	 	Illegible

			
		
	 Effective Date:
	 	  12/31/01

  

			
	 COMPANY:
  
 PLACER SIERRA BANK

		
	By:	 	/s/    JOAN MAYEAUX        
	 Name:
	 	Joan Mayeaux
	 Title:
	 	Senior Vice President

			
		
	 Effective Date:
	 	  December 31, 2001

  

 25 

 EXHIBIT A 
 to NETWORK SERVICES AGREEMENT 
 between 
 U.S. BANK and PLACER SIERRA BANK 
  

  
 EFT AUTHORIZATION 
  
 Services Rendered: 
  

	 	•	xx Sponsored Membership to Cirrus 

  

	 	•	xx Amexco Program Participation 

  

	 	•	xx Sponsored Membership to Plus 

  

	A.	EFT PROCESSING SERVICES 

  

	1.	Authorization. In accordance with the agreed upon authorization method, and the Cardholder data supplied by the Company, Bank will authorize and deny transaction
activity initiated by the Company’s Cardholders at ATM and POS terminals. 

  

	2.	Dial-Up Terminal Driving. Bank shall provide electronic links between Company’s terminals and the Bank switch to facilitate the operation and transaction routing
in a dial-up environment. 

  

	3.	Gateway Services. Bank shall provide to the Company electronic links to regional and national Networks as set forth in Section C below and as Section C may be amended
from time to time. 

  

	4.	Leased Line Terminal Driving. Bank shall provide electronic links between Company terminals and the Bankswitch to facilitate the operation and monitoring of Company
ATMs. 

  

	5.	Reporting. Bank shall provide a variety of reports available on a daily, weekly and/or monthly basis, including: settlement information, maintenance activity, ATM
performance, cardholder activity and specialized report requests. Reports shall be distributed through remote job entry, hardcopy, microfiche and datamover. Log reports, critical to investigation of Company inquiries, can be viewed on-line.

  

	6.	Surcharge/Service Charge Support. Bank shall support surcharging of fixed amounts and associated terminal messages required by the Networks. Bank shall provide reports
necessary to track income and automated interfaces to host systems in order for Company to meet service charge requirements. 

  

	7.	Transaction Processing. Bank shall provide base transaction processing, which includes: authorization; placing holds on accounts; transaction posting and settlement;
and availability of stand in services. 

  

	8.	Transaction Settlement Processing. Bank shall offer “Single Point Settlement” by which Bank shall settle the net difference between debits and credits for
transactions each day. This includes transactions processed through each Network to which Bank has Gateway connections. 

  

	9.	24 -Hour Monitoring. Bank hotline group shall provide monitoring services 24 hours a day, seven days a week. This service varies by type of telecommunications solution
used by the Company. 

  

	B.	SPONSORED MEMBERSHIPS 

  

	1.	Sponsorship. Bank has developed and owns certain computer programs and equipment (“Access Equipment”) used to provide Company with access to each of Cirrus,
Plus and/or Amexco Networks (each a “Membership Network”). Bank desires to provide and Company desires to accept Sponsored Membership so that Company may use the Access Equipment to interface with the Membership Network.

  

	2.	Settlement. Bank shall initiate settlement of Membership Network transactions each day to Company. Company shall maintain appropriate settlement accounts according to
the operating procedures established by Bank as the same may be amended from time to time. 

  

	3.	Incorporation of Membership Network Operating Rules. Company acknowledges receipt of a copy of Membership Network’s operating Rules and agrees to be bound by said
Rules as they may be amended from time to time. Company further agrees to promptly discharge all duties and liabilities which are imposed upon it by Membership Network’s operating Rules. 

  

	4.	 Indemnification. With respect to Sponsored Membership, Company shall be responsible for any and all loss resulting from any transaction initiated by a
Card issued by Company or its affiliates except to the extent that such loss was caused by the malfunction of an ATM for which another member of Membership Network is responsible. Company shall be responsible for any and all loss resulting from the
malfunction of an ATM for which it is responsible. Company shall indemnify Bank and hold Bank harmless from any and all loss for which Company is liable under this paragraph or under the Membership Network operating Rules. Company shall indemnify
Bank against any loss including attorneys fees and expenses) arising out of the failure of Company to meet its 

  

 2 

	 	 
obligations pursuant to the Sponsored Membership or under the Membership Network operating Rules as amended from time to time. 

 

	5.	Compliance with Applicable Law. With respect to the Sponsored Membership, Company shall be solely responsible for its compliance with any and all federal, state, local
statutes and regulations applicable to its ownership and operation of ATMs, its participation in the Membership Network and its utilization of the service of Bank in connection therewith, including without limitation any disclosure of other
obligations under Regulation E of the Federal Reserve Board of Governors, the Electronic Funds Transfer Act and all analogous state laws and regulations. 

  

	6.	Termination. Either party may terminate the Sponsored Membership without cause upon six (6) months prior written notice to the other. Company acknowledges that in the
event the Sponsored Membership is terminated in accordance with the foregoing, Company’s membership in the Membership Network shall terminate contemporaneously therewith unless Company has obtained a new sponsor. 

  
 In the event that Company breaches any of its obligations under the
Sponsored Membership including Company’s obligation to abide by the Membership Network operating Rules, Bank shall have the right to terminate the Sponsored Membership immediately upon the provision of written notice to Company. 
  

	C.	NETWORKS 

  
 Company elects to connect through Bank interface with the following Network Gateways: 
  

							
	 N/a
	 	AFFN	  	 N/a
	  	MAC 3RD PARTY
	 N/a
	 	ALASKA OPTION	  	 N/a
	  	MAGICLINE
	 xx
	 	AMEXCO	  	 N/a
	  	MONEY STATION
	 N/a
	 	BANKMATE	  	 N/a
	  	NYCE
	 N/a
	 	CASHSTATION	  	 N/a
	  	PLUS
	 N/a
	 	CREDIT UNION 24	  	 xx
	  	PLUS DUALITY
	 xx
	 	CIRRUS	  	 N/a
	  	PRESTO-PUBLIX
	 N/a
	 	CUIG	  	 N/a
	  	PULSE
	 xx
	 	DISCOVER	  	 N/a
	  	SHAZAM
	 N/a
	 	EXCHANGE/ACCEL	  	 N/a
	  	STAR WEST
	 xx
	 	EXPLORE/STAR	  	 N/a
	  	TYME
	 N/a
	 	HONOR	  	 xx
	  	VISA ATM
	 N/a
	 	MAC	  	 xx
	  	VISANET

  

 3 

	D.	FEES 

  

	 	1.	 	Sponsored Memberships. Bank shall charge and reimburse Company for services of the Membership Network that Company uses as set forth in Section C above. Fees may be
adjusted from time to time as determined by either the Membership Network or Bank. In the event that changes are initiated by Membership Network, such change shall be effective on the date defined by Membership Network. In the event that changes are
initiated by Bank and such changes result in an increased fee to Company, such increase shall be effective upon ninety (90) days prior written notice to Sponsor. 

  

							
	 SERVICE

	  	 RATE

	  	 PER ITEM

	  	 MINIMUM

	
	CONVERSION AND ONE TIME FEES
			
	 CONVERSION SUPPORT FEE REBATE
	  	$***	  	CREDIT TO PLACER SIERRA BANK
	 GATEWAY/ON-LINE PROCESSOR - STD X9.5
	  	WAIVED	  	PER HOUR, NOT TO EXCEED $***
	 GATEWAY/ON-LINE PROCESSOR - NON STD
	  	WAIVED	  	PLUS $*** PER HOUR OVER 50 HRS
	 TRAVEL EXPENSES ( OUT OF POCKET)
	  	WAIVED	  	 	  	 
	
	STANDARD PROCESSING FEES
			
	 LEASED LINE ATM & ONLINE POS TRANSACTIONS *
	  	 	  	 
	 TRANSACTIONS - ALL
	  	$***	  	PER TRANSACTION	  	$*** MONTHLY MINIMUM
	
	 *   TRANSACTION FEE INCLUDES: GATEWAY ACCESS TO CIRRUS, PLUS, VISA, MC, AMEXCO, DISCOVER & ONE OTHER REGIONAL NETWORK; POSITIVE BALANCE AUTHORIZATION; ONE DAILY BALANCE FILE REFRESH; ONE DAILY ACH TRANSMISSION;
& CRT TERMINAL TRANSACTIONS

				
	 DIAL UP - ATM TRANSACTIONS
	  	$***	  	PER TRAN	  	 
				
	 AUTOMATED SETTLEMENT & ADJUSTMENTS
	  	ASAP TRANS	  	MANUAL	  	 
	 ASAP CLOSED NS TRANSACTIONS
	  	$***	  	$***	  	PER ITEM
	 ASAP CLOSED TRANSACTIONS
	  	$***	  	$***	  	PER ITEM
	 ASAP ERROR
	  	$***	  	N/A	  	PER ITEM
				
	 ATM MONTHLY SUPPORT FEES
	  	 	  	 	  	 
	 ATM TERMINAL SUPPORT (LEASED LINE OR DIAL-UP WITH MONITORING)
	  	$***	  	PER ATM	  	 
	 ATM TERMINAL SUPPORT (DIAL-UP WITHOUT MONITORING)
	  	$***	  	PER ATM	  	 
	 WEB-BASED ADMINISTRATIVE ACCESS
	  	$***	  	PER PC	  	 
				
	 CARD MANAGEMENT
	  	 	  	 	  	 
	 CARD POSTAGE
	  	PASS THRU	  	 	  	 
	 CARD TRANSMISSION FEE
	  	$***	  	 	  	 
	 PIN MAILERS
	  	$***	  	 	  	 
	 PIN POSTAGE
	  	PASS THRU	  	 	  	 
	 REISSUE-CARDS
	  	 	  	TO BE QUOTED	  	 
	 REISSUE-PINS
	  	 	  	TO BE QUOTED	  	 

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 4 

 OPTIONAL SERVICES 
  

							
	 ADMINISTRATIVE
	  	 	 	 	  	 
	 DELIVERY/POSTAGE/GROUND TRANSPORTN
	  	PASS THRU	 	 	  	 
	 THIRD PARTY AUDIT REVIEW
	  	$***	 	PER COPY	  	 
	 ACH POSTING TAPES
	  	$***	 	PER TAPE	  	 
	 COMPANY REQUESTED TRAINING
	  	$***	 	PER DAY, +	  	EXPENSES
	 CUSTOM PROGRAMMING
	  	$***	 	PER HOUR	  	 
	 RESEARCH FEE (IN EXCESS OF 30 DAYS)*
	  	$***	 	PER HOUR	  	 
	 *  THERE IS A 30 MINUTE MINIMUM FOR RESEARCH REQUESTS
	  	 	 	 	  	 
				
	 REPORT OPTIONS
	  	 	 	 	  	 
	 CAF REPORT
	  	$***	 	PER REPORT	  	 
	 CAF TAPE
	  	$***	 	PER TAPE	  	 
	 CAF/CMF COMBINED REPORT
	  	$***	 	PER REPORT	  	 
	 CMF REPORT
	  	$***	 	PER REPORT	  	 
	 CMF TAPE
	  	$***	 	PER TAPE	  	 
	 SPECIAL REPORTS
	  	$***	 	PER HR PROG + $*** SETUP PER REPORT
	 RAW DATA FILE
	  	$***	 	PER MO + TRANSMISSION COSTS
				
	 OTHER SPECIAL SUPPORT SERVICES
	  	 	 	 	  	 
	 BILINGUAL SCREEN SUPPORT FEE
	  	$***	 	PER ATM	  	 
	 ON-LINE PROCESSOR
	  	$***	 	PER MONTH	  	 
	 MULTIPLE ACCOUNT ACCESS
	  	$***	 	PER MO	  	 
	 ATM LOCAL SURCHARGING SUPPORT
	  	$***	 	PER TRAN	  	$*** PER ATM
	 ATM HOST SURCHARGING SUPPORT
	  	$***	 	PER TRAN	  	$*** PER ATM
	 FULL STATEMENT PRINT
	  	$***	 	PER STATMT	  	 
	 MINI STATEMENT PRINT
	  	$***	 	PER STATMT	  	 
	 OTHER REGIONAL NETWORKS
	  	$***	 	PER MONTH	  	PER NETWORK
				
	 SET UP FEES (POST CONVERSION)
	  	 	 	 	  	 
	 ATM DEPLOYMENT/REDEPLOYMENT FEE
	  	$***	 	PER ATM	  	 
	 ATM FEATURE SET-UP
	  	$***	 	PER ATM	  	 
	 ATM SCREEN GROUP CHANGE
	  	$***	 	PER GROUP	  	 
	 BILINGUAL SCREEN SETUP
	  	$***	 	PER GROUP	  	 
	 ADMINISTRATIVE TERMINAL SET-UP
	  	$***	 	PER CRT	  	 
	 DATAMOVER SET-UP FEE
	  	$***	 	PER FIID	  	 
	 FILE MERGERS
	  	$***	 	+ $*** PER HR SPEC. PROGRAMMING
	 GATEWAY SETUP FEE
	  	$***	 	PER GATEWAY	  	 
	 MULTI MARKETING MESSAGE SET-UP
	  	$***	 	PER SET UP	  	 
	 OPTIONAL RECEIPT SET-UP
	  	$***	 	PER SET UP	  	 
	 SURCHARGING ROUTINE SET-UP
	  	$***	 	PER FIID	  	 
	 INTERACTIVE ATM CHANGE
	  	$***	 	PER ATM	  	 
	 BANK ACQUISITION/PROJECT MANAGEMENT
	  	TO BE QUOTED	  	 
				
	 DECONVERSION FEES
	  	 	 	 	  	 
	 DECONVERSION SUPPORT FEE
	  	$***	 	PER FIID	  	 
	 ATM DISCONNECT FEE
	  	$***	 	PER ATM	  	 

  
 IN ADDITION TO DECONVERSION FEE,
COMPANY WILL PAY ALL THIRD PARTY CHARGES INCLUDING ATM, MODEM & LINE DISCONNECT FEES. 

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 5 

					
	 SERVICE

	  	RATE

	  	 PER ITEM

	
	TELECOMMUNICATIONS SERVICES
			
	 MONTHLY TELECOMMUNICATIONS FEES
	  	 	  	 
	 PACKET SWITCHING COM FEE
	  	***	  	PER MINUTE
	 SPECIAL PROCESSOR LINE (POINT TO POINT)
	  	$***	  	PER MONTH
	 SPECIAL PROCESSOR LINE (SHARED)
	  	$***	  	PER MONTH
	 LINE RENTAL
	  	$***	  	PER DROP
	 DIAL BACK-UP
	  	$***	  	PER MONTH
			
	 TELECOMMUNICATIONS ONE TIME FEES
	  	 	  	 
	 ATM LINE INSTALL - REGULAR (>= 45 BUSINESS DAYS)
	  	$***	  	 
	 ATM LINE INSTALL - EXPEDITED (< 45 BUSINESS DAYS)
	  	$***	  	 
	 ATM DISCONNECT FEE
	  	$***	  	PER ATM
	 BACK END/ INTERCEPT PROCESSOR LINE INSTALL - REGULAR
	  	$***	  	 
	 BACK END/ INTERCEPT PROCESSOR LINE INSTALL - EXPEDITE
	  	$***	  	 
	 LINE DISCONNECT FEE
	  	$***	  	PER DROP
	 MODEM INSTALL
	  	$***	  	PER MODEM
	 MODEM DISCONNECT
	  	$***	  	PER MODEM
			
	 EQUIPMENT AND SOFTWARE SALES
	  	 	  	 
	 CABLES AND CONNECTORS
	  	TBD	  	 
	 DIGITAL DSU’S
	  	$***	  	PER DSU
	 MODEM MAINTENANCE (ATT)
	  	$***	  	ANNUAL PER UNIT
	 MODEM PURCHASE
	  	$***	  	PER MODEM
	 MODEM SPLITTER - 4 PORT
	  	$***	  	PER SPLITTER
	 MODEM SPLITTER - 8 PORT
	  	$***	  	PER SPLITTER
	 OUTSIDE VIEW SOFTWARE (WebAdmin)
	  	PASS THRU	  	 
			
	 LEASING
	  	 	  	 
	 ATM MODEM LEASE
	  	$***	  	PER UNIT PER MO
	 DIGITAL DSU LEASE
	  	$***	  	 
			
	 REPORT OPTIONS
	  	 	  	 
	 HTTP
	  	$***	  	PER 100 LINES
	 DATAMOVER TRANSMISSION OUT
	  	$***	  	PER 100 LINES
	 DATAMOVER TRANSMISSION RJE
	  	$***	  	PER 100 LINES
	 DATAMOVER - REPORT
	  	$***	  	PER MONTH
	 MICROFICHE ORIGINAL
	  	$***	  	PER SHEET
	 MICROFICHE COPY
	  	$***	  	PER SHEET

  
 IN ADDITION TO THE FEES AND CHARGES
SET FORTH IN THIS ADDENDUM, COMPANY AGREES TO PAY ALL FEES, CHARGES, PENALTIES, FINES, ASSESSMENTS AND ADDITIONAL OR INCREASED COSTS OF ANY NATURE AS MAY BE CHARGED BY MASTERCARD OR VISA OR BY ANY THIRD PARTY OR AS MAY BE OTHERWISE INCURRED BY BANK
IN CONNECTION WITH THE MATTERS CONTEMPLATED BY THIS AGREEMENT, WHETHER CHARGED OR INCURRED BY BANK EITHER DIRECTLY OR INDIRECTLY. 

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 6 

 EXHIBIT B 
 to NETWORK SERVICES AGREEMENT 
 Between 
 U.S. BANK and PLACER SIERRA BANK 
  

  

	 	•	N/a         MasterMoney Transaction Processing Services 

  

	 	•	xx      VISA CheckCard Transaction Processing Services 

  

	 	•	xx      Hot Card Service 

  

	 	•	xx      Fraud Monitoring Service Bureau 

  

	 	•	N/a         Fraud Monitoring Licensing Agreement 

  

	A.	COMPANY SERVICES 

  

	1.	Off Line Debit Processing Services 

  

	 	a)	 	Provision of Services. Bank shall provide to Company the off-line debit transaction processing services as set forth below (the “Off-line Debit Processing
Services”), as may be amended from time to time as necessary to comply with the Rules. Bank shall provide such Off-line Debit Processing Services in accordance with Bank procedures and standards as such procedures and standards exist from time
to time. Off-line Debit Transaction Processing Services may be provided directly by Bank or through third parties selected by Bank. 

  

	 	b)	 	Processing Services for Issuers. Bank shall provide to Issuers processing services by which a Merchant shall obtain authorization for a specified amount prior
to completing a Transaction (“Authorization”) in accordance with Authorization policies and procedures established by Bank, the Card Associations and Company. 

  

	 	c)	 	Exchange of Card Transaction Data. Following Authorization of a Transaction, Bank shall receive incoming Transactions and submit to the central computer
switching system for the exchange of Card Transaction data between Merchants and Issuer (Debit Interchange) for settlement and collection. 

  

	 	d)	 	Processing. Bank shall debit and credit Company Operating Account via ACH and generate monthly detail to Company as set forth in this Agreement.

  

	 	e)	 	Chargebacks and Adjustments. Bank shall perform back room processing for retrieval requests and Chargebacks. Bank shall effectuate Adjustment and Chargebacks to
Company Operating Account by means of ACH debits and credits 

  

	 	f)	 	Reports. Bank shall prepare management and operational reports in accordance with Bank’s standard formats, as they exist from time to time.

  

	2.	Hot Card Service. Bank agrees to provide to Company a service through which Company’s Cardholders may report any of their Cards as lost or stolen
(“Hot Card Service”). Reports of lost or stolen Cards by Cardholders to the Hot Card Service (“Reports”) shall be made to an “800” number provided by Bank to Company. When Bank receives a Report, Bank shall record such
information as is supplied by the Cardholder in accordance with Bank’s policies and procedures. Bank shall have no liability whatsoever to Company or to any third party and, as between Bank and Company, Company shall be solely liable to any
third party (including without limitation any Cardholder), for any failure by Bank to record the information reported by Company to the Hot Card Service. 

  

	3.	Fraud Monitoring Services. 

  

	 	a)	 	Fraud Monitoring Service Bureau. Bank shall provide the following fraud monitoring services (collectively, the “Fraud Monitoring Services”) to Company:

  
 (1) Bank will use reasonable commercial efforts
to process transactions conducted with an off-line debit card through the Base 24 PRM neural fraud management system and related software (“Fraud Monitoring System”). Such transactions include: (a) all pre-authorizations processed through
the VISA or MasterCard system; (b) all international completions under five hundred dollars ($500) which are processed through the VISA and MasterCard system; and (c) if Bank also provides ATM authorization processing, all ATM transactions
(including balance inquiries, withdrawals, deposits, denials and transfers). All transactions processed through the Fraud Monitoring System will receive a “score” that will predict the likelihood that the transaction is fraudulent. Bank
shall determine a score level for the transactions, at or above which Bank will provide Fraud Monitoring Services to Company regarding transactions that score at or above the score level. 
  
 (2) Bank will use reasonable commercial efforts to notify Company, via
facsimile (sent to a number provided by Company to Bank for purpose of Fraud Monitoring Servicing), of any transaction that scores at or above the score level. Each such notification shall be referred to as a “Fraud Alert” and will consist
of a facsimile cover page and a printout of the alert screen generated by the Fraud Management System. Fraud Alerts will be sent to Company on an hourly basis. A facsimile confirmation report showing the facsimile sent and received will constitute a
completed notification to the Company of a Fraud Alert regarding any transaction that scores at or above the score level. 
  
 (3) Bank will use reasonable commercial efforts to provide Company on a weekly basis with a report summarizing the prior weeks activity, including the
total number of Fraud Alert notifications for the prior week and the total dollar amount of the transactions for which such Fraud Alert notifications were provided during the prior week. 
  

 2 

 (4) Bank will provide the Fraud Monitoring Services described in Section 3(a)(l) through (3) above only
between the hours of 9:00 a.m. through 9:00 p.m. Pittsburgh, Pennsylvania time on each Business Day, or at such other time or times as Bank may designate from time to time in a written notice to Company. Bank will not be obligated to provide Fraud
Monitoring Services to Company at any other time. Bank’s obligation regarding Fraud Monitoring Services will be limited to providing Fraud Alert notifications to Company for any transactions that score at or above the score level. Bank will not
contact any Cardholder or other third party with respect to such transactions. 
  

	 	b)	Fraud Monitoring Licensing. 

  
 (1) Bank will use reasonable commercial efforts to process transactions conducted with an off-line debit card through the Fraud Monitoring System. Such
transactions include (a) all pre-authorizations processed through the VISA or MasterCard system; (b) all international completions under $500 which are processed through the VISA and MasterCard system; and (c) if Bank also provides ATM authorization
processing, all ATM transactions (including balance inquiries, withdrawals, deposits, denials and transfers). All transactions processed through the Fraud Monitoring System will receive a “score” that will predict the likelihood that the
transaction is fraudulent. 
  
 (2) Bank hereby grants to Company,
to the fullest extent permitted under the licensing agreement (“Licensing Agreement”), and Company accepts from Bank, a limited, personal, non-transferable and non-exclusive right and license to use the BSE 24 PRM Graphical User Interface
(“GUI”) software application. The GUI may be installed on any number of Company Workstations for a limited term (period of time) subject to the terms and conditions of the License Agreement. Company is authorized to use the GUI solely to
process transactions made available by Bank through the Fraud Monitoring System. 
  
 (3) Bank will provide the Fraud Monitoring Services described in paragraphs 3(b)(1) through (2) at such time or times as Bank may designate from time to time in a written notice to Company. Bank will not be obligated
to provide Fraud Monitoring Services to Company at any other time. Bank’s obligation will be limited to providing Fraud Monitoring Services to Company. Bank will not contact any Cardholder or other third party with respect to such services.
Notwithstanding any other provisions of this Addendum, Bank’s obligation to provide Fraud Monitoring Services under this Addendum shall be terminated immediately upon the termination of Bank’s agreement for Fraud Monitoring services with
Applied Communications, Inc. Bank also may terminate its obligations to provide Fraud Monitoring Services under this Agreement as provided in the Agreement or at any other time for any reason upon thirty (30) days prior written notice to Company.

  

 3 

	B.	COMPANY RESPONSIBILITIES 

  

	1.	Covenants and Warranties. Company covenants and warrants that it: (a) is duly authorized by the Card Association to be an Issuer; (b) it, as Issuer, is duly authorized
to perform the Off-line Debit Issuing Activities as set forth above, as may be amended from time to time as necessary to comply with the Rules; (c) it has full power and authority under the Rules to execute, deliver and perform this Agreement; (d)
it is and shall remain in compliance with the Rules in connection with each aspect of its performance of the terms of this Addendum; and (e) if at any time during the term of this Addendum Company should not be duly authorized as an Issuer, Company
shall so notify Bank and upon such failure to be duly authorized as an Issuer, this Addendum shall terminate upon such date as shall be determined by Bank. 

  

	2.	Card Issuing. Company is responsible for: (a) establishing pre-approval policies for mass issuance of Cards; (b) establishing ongoing Company approval/denial
issuance procedures; (c) obtaining all data processing necessary for preparing Cards in accordance with Company’s Card order; (d) embossing/encoding of Cards; (e) formatting and printing of forms as required for Card issuance and for
Transactions; and (f) generating and distributing Personal Identification Number (“PIN”) to each Cardholder. 

  

	3.	Hot Card Activity. Company shall be responsible for: (a) providing Bank with an active telecopier number at the Company’s principal place of business to
which Bank shall provide facsimiles of the Reports to Company; and (b) validating and monitoring Reports provided to it by Bank. 

  

	4.	Fraud Monitoring. 

  

	 	a)	 	Fraud Services Bureau. Company is responsible for taking any action it deems necessary to investigate or confirm the fraudulent nature of any transaction regarding
which Company received a Fraud Alert notification from Bank. Company will notify Bank of any Transaction that is confirmed to be fraudulent. 

  

	 	b)	Fraud Monitoring Licensing. 

  
 (1) Company shall pay Bank the fees for the Fraud Monitoring Services as set forth in, and in accordance with the payment terms and conditions set forth
herein. 
  
 (2) Company is responsible for taking any action it
deems necessary to investigate or confirm the fraudulent nature of any transaction regarding which Company received a Fraud Alert notification from Bank. Company will notify Bank of any transaction that is confirmed to be fraudulent. 
  

	5.	Collections from Cardholders. Company shall be solely responsible for the collection from its Cardholders of the amount of any Transaction. 

 

 4 

	6.	Delivery of Data. Company shall be solely responsible for the timely delivery of all data and the receipt of completed services in accordance with this Agreement and
the Rules. Company shall be solely responsible and Bank shall not be responsible for any delays in such delivery or for any loss or damage of materials during or as a result of such delivery nor shall Bank have any obligation to complete or correct
data submitted by Company for processing. 

  

	7.	Cardholder Monitoring. All Cardholder monitoring and reporting required by MasterMoney and/or VISA shall be the responsibility of Company. In the event that Company
becomes aware of any fraudulent activity on the part of a Cardholder, Company shall immediately notify Bank. Company shall direct Bank regarding further transactions with such a Cardholder who is holding Cards issued by Company and Bank shall incur
no liability hereunder or otherwise for following such directions of Company. 

  

	8.	Card Verification. Company shall be solely liable for insuring that their check cards programs comply with the Card Verification (“CV”) standards as set
forth by the Card Associations. 

  

	9.	Fraud Affecting Card Use and Terminals. Company shall be solely responsible for liability resulting from the illegal, unauthorized or fraudulent use of a
Cardholder’s Card at a POS terminal or other electronic device of Company. Furthermore, Company shall be solely liable for any theft, fraud or other such losses occurring other than illegal entry into or other casualty affecting a POS terminal
or other electronic device of Company. 

  

	C.	Adjustments and Chargebacks, including Representments, Mediation, Arbitration and Compliance. 

  

	1.	As between Bank and Company, Company shall be solely liable (and Bank shall have no liability therefor) for any loss or damage sustained by the Issuer, or any of the
Issuer’s Cardholder with respect to which: (1) a Chargeback or Adjustment occurs; (2) a Cardholder disputes a Transaction pursuant to the Rules; (3) a Cardholder disputes a Transaction where the MasterMoney and/or VISA Off-line Debit notice as
is provided by the Acquirer is illegible or where there is no Card imprint on the MasterMoney and/or VISA Notice; (4) the Transaction was in violation of any applicable Law or Rules; (5) a MasterMoney and/or VISA Notice in conformity with the Rules
is not presented or a MasterMoney and/or VISA Notice is rejected and returned to Bank by an Issuer pursuant to the Rules; (6) illegal, unauthorized or fraudulent Card use at POS terminal or other electronic device of Company occurs; or (7) a
Cardholder’s Card at a POS terminal or other electronic device is used for illegal, unauthorized or fraudulent purposes. 

  

	2.	Company acknowledges that under the Rules, Chargebacks, including Chargebacks resulting under the circumstances referred to in the preceding sentence, may occur in excess of
any time period otherwise required by Law. 

  

 5 

	D.	FEES 

  

					
	 SERVICE

	  	RATE

	 	 PER ITEM

	
	 CONVERSION & ONE TIME FEES

			
	 CONVERSION FEE - CARDS ONLY
	  	***	 	PER FIID
	 GATEWAY/ON-LINE PROCESSOR STD X9.5
	  	***	 	PER HR. NOT TO EXCEED $5,000
	 GATEWAY/ON-LINE PROCESSOR - NON STD
	  	***	 	PLUS $250 PER HR. OVER 50 HRS.
	 TRAVEL EXPENSES (OUT OF POCKET)
	  	***	 	PASS THRU
	
	 STANDARD PROCESSING FEES

			
	 OFF-LINE DEBIT
	  	 	 	 
	 GATEWAY FEE
	  	$***	 	PER MO
	 TRANSACTIONS(Completed, Denial & Reversal)
	  	$***	 	PER TRAN
	 RAP TRANSACTIONS
	  	$***	 	PER TRAN
	 QUARTERLY REPORTING FEES
	  	$***	 	PER QTR.
	 OFF-LINE FLOAT ASSESSMENT
	  	 	 	AT COST
	 CARD ACTIVATION
	  	$***	 	PER CALL
	 AUTOMATED SETTLEMENT & ADJUSTMENTS
	  	 	 	 
	 ASAP CLOSED NS TRANSACTIONS
	  	$***	 	PER ITEM
	 ASAP CLOSED TRANSACTIONS
	  	$***	 	PER ITEM
	 ASAP ERROR
	  	$***	 	PER ITEM
			
	 MANUAL ADJUSTMENTS
	  	 	 	 
	 CHARGEBACK
	  	$***	 	PER ITEM
	 2ND CHARGEBACK
	  	$***	 	PER ITEM
	 REPRESENTMENT
	  	$***	 	PER ITEM
	 RETRIEVAL
	  	$***	 	PER ITEM
	 COMPLIANCE & ARBITRATION
	  	$***	 	PER ITEM
			
	 HOT CARD SERVICE
	  	 	 	 
	 HOTCARDING
	  	$***	 	PER CALL
	 MISDIRECTED CALLS
	  	$***	 	PER CALL
			
	 FRAUD LICENSE FEES (SELF-SERVICE)
	  	 	 	 
	 FRAUD LICENSE
	  	$***	 	ONE TIME
	 FRAUD SETUP FEE
	  	$***	 	ONE TIME
	 FRAUD FILE FIX
	  	$***	 	PER HOUR
	 FRAUD TRANSACTION FEE
	  	$***	 	PER TRAN
	 ACCOUNT RESIDING FEE
	  	$***	 	PER CARD
			
	 FRAUD SERVICE FEES (SERVICE BUREAU)
	  	 	 	 
	 FRAUD SETUP FEE
	  	WAIVED	 	ONE TIME
	 FRAUD FILE FIX
	  	$***	 	PER HOUR
	 FRAUD TRANSACTION FEE
	  	$***	 	PER TRAN*
	 ACCOUNT RESIDING FEE
	  	$***	 	PER CARD*
	 *  Combined Minimum of $100 per month
	  	 	 	 

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 6 

					
	 OPTIONAL SERVICES

			
	 ADMINISTRATIVE
	  	 	 	 
	 DELIVERY/POSTAGE
	  	PASS THRU	 	 
	 THIRD PARTY AUDIT REVIEW
	  	***	 	PER COPY
	 ACH POSTING TAPES
	  	***	 	PER TAPE
	 CUSTOM PROGRAMMING
	  	***	 	PER HOUR
	 COMPANY REQUESTED TRAINING
	  	***	 	PER DAY, + EXPENSES
	 RESEARCH FEE (IN EXCESS OF 30 DAYS)*
	  	***	 	PER HOUR
	 *THEREIS A 30 MINUTE MINIMUM FOR RESEARCH REQUESTS
	  	 	 	 
	
	 REPORT OPTIONS

	 CAF REPORT
	  	***	 	PER REPORT
	 CAF TAPE
	  	***	 	PER TAPE
	 CAF/CMF COMBINED REPORT
	  	***	 	PER REPORT
	 CMF REPORT
	  	***	 	PER REPORT
	 CMF TAPE
	  	***	 	PER TAPE
	 SPECIAL REPORTS
	  	***	 	PER HR PROG+ $50 SETUP PER REPORT
	 RAW DATA FILE
	  	***	 	PER MO + TRANSMISSION COSTS
			
	 BUSINESS CARD
	  	 	 	 
	 BUSINESS CARD SET-UP
	  	WAIVED	 	ONE TIME
	 BUSINESS CARD SUPPORT
	  	***	 	PER MONTH
			
	 DECONVERSION FEES
	  	 	 	 
	 DECONVERSION SUPPORT FEE
	  	***	 	PER FIID

  
 IN ADDITION TO DECONVERSION FEE,
COMPANY WILL PAY ALL THIRD PARTY CHARGES INCLUDING MODEM & LINE DISCONNECT FEES. 
  
 IN ADDITION TO THE FEES AND CHARGES SET FORTH IN THIS ADDENDUM, COMPANY AGREES TO PAY ALL FEES, CHARGES, PENALTIES, FINES, ASSESSMENTS AND ADDITIONAL OR INCREASED COSTS OF ANY NATURE AS MAY BE CHARGED BY MASTERCARD
OR VISA OR BY ANY THIRD PARTY OR AS MAY BE OTHERWISE INCURRED BY BANK IN CONNECTION WITH THE MATTERS CONTEMPLATED BY THIS AGREEMENT, WHETHER CHARGED OR INCURRED BY BANK EITHER DIRECTLY OR INDIRECTLY. 
  

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

 Schedule to Exhibit 10.29 
  
 Schedule of Substantially Identical Network Services Agreement 
  
 Pursuant to Instruction 2 to Item 601 of Regulation S-K, the Network Services Agreement,
dated December 31, 2001, between U.S. Bank, N.A. and Bank of Orange County (the “BOC Network Services Agreement”) is not being filed as an exhibit to the registrant’s registration statement on Form S-1 (File No. 333-1127778)
(“Form S-1”). The BOC Network Services Agreement is substantially identical in all material respects to the Network Services Agreement between U.S. Bank, N.A. and Placer Sierra Bank (the “PLS Network Services Agreement”), which
is filed as Exhibit 10.29 to the Form S-1, except with respect to the parties thereto and the amount of a conversion support fee rebate. 
  
 Pursuant to a request for confidential treatment, a redacted form of the BOC Network Services Agreement with substantially identical redactions as the PLS Network
Services Agreement has been filed separately with the Securities and Exchange Commission.Agreement for Information Technology Services

 EXHIBIT 10.31 
  
 AGREEMENT FOR INFORMATION 
  
 TECHNOLOGY SERVICES 
  
 BETWEEN 
  
 CALIFORNIA COMMUNITY BANCSHARES, INC. 
  
 AND 
  
 AURUM TECHNOLOGY INC. 
  

 AGREEMENT FOR INFORMATION TECHNOLOGY SERVICES 
  
 THIS AGREEMENT (“Agreement”) is between AURUM TECHNOLOGY INC.
(“Aurum”), a Delaware corporation with an address at 2701 West Plano Parkway Suite 600, Plano, Texas 75075, and California Community Bancshares, Inc. (Customer), a commercial bank holding company with an address at One Maritime Plaza, San
Francisco, CA 94001, and its current and future subsidiaries and Affiliates, Sacramento Commercial Bank, The Bank of Orange County and Placer Sierra Bank. 
  
 WHEREAS, Customer desires to purchase information technology services from Aurum, and; 
  
 WHEREAS, Aurum is willing to provide such information technology services to Customer all as set forth in this Agreement.

  
 NOW, THEREFORE, Customer and Aurum hereby agree as follows:

  
 ARTICLE I - DEFINITIONS 
  

	1.1	Definitions. In this Agreement: 

  

	 	(a)	“Account Record” is an end-customer account (including, without limitation, any open or closed DDA/checking account, savings account, certificate of deposit account, or
loan account) that is maintained on the Aurum System during the applicable month 

  

	 	(b)	“Additional Services” are the Services described in Section 3.1(d). 

  

	 	(c)	“Basic Services” are the Services listed in Schedule A. 

  

	 	(d)	“Business Day” is each weekday, Monday through Friday, that is not a holiday of Customer. 

  

	 	(e)	“Conversion Services” are the Services described in Section 3. l(c). 

  

	 	(f)	“Customer Systems” are the Systems listed in Schedule D to be provided by Customer for use in conjunction with Aurum Systems. 

  

	 	(g)	“Data Center” is the space at one or more locations where Aurum performs Services, excluding Customer locations, 

  

	 	(h)	“Aurum Systems” are all Systems, except for Systems provided by Customer, used by Aurum to provide Services, including without limitation any improvements, modifications,
or enhancements made by Aurum to any System and provided to Customer under this Agreement. 

  

 1 

	 	(i)	“ECI” is the Employment Cost Index for Total Compensation (not seasonally adjusted), Private Industry Workers, White Collar Occupations Excluding Sales, June 1989 = 100 as
published by the Bureau of Labor Statistics of the U.S. Department of Labor. If the Bureau of Labor Statistics stops publishing the ECI, the parties will substitute another comparable measure published by a mutually agreeable source. However, if
such change is merely to redefine the base period for the ECI from 1989 to some other period, the parties will continue to use the ECI but will, if necessary, convert the two ECI’s being compared to the same basis by multiplying one of them by
the appropriate conversion factor. 

  

	 	(j)	“Effective Date” is the date that this Agreement is executed by Aurum pursuant to Section 9.10. 

  

	 	(k)	“Equipment” is all telecommunications lines, modems, and other equipment, including without limitation terminals, control units, ports, logical units, and all related data
transmission services required by Aurum for Customer to access the Aurum Systems, transmit data to Aurum, and receive reports and other output from Aurum. 

  

	 	(1)	“Initial Term” is defined in Section 2.1. 

  

	 	(m)	“Operational Date” is the later of (i) the Effective Date, or (ii) the first day of the calendar month in which any Conversion Services are completed and Customer has the
capability to input transactions or data for processing by Aurum. 

  

	 	(n)	“Optional Services” are the Services listed in Schedule B. 

  

	 	(o)	“PC Software” means, if applicable, the PC-based software applications to be utilized by Customer in connection with the Services, as such software applications are
described in Schedule A. 

  

	 	(p)	“Renewal Terms” is defined in Section 2.1. 

  

	 	(q)	“Service” or “Services” are all of the services to be provided by Aurum under this Agreement, which include the Basic Services, Optional Services, Conversion
Services, and Additional Services. 

  

	 	(r)	“System” or “Systems” are (i) computer programs, including without limitation software, firmware, application programs, operating systems, files, and utilities;
(ii) supporting documentation for such computer programs, including without limitation input and output formats, program listings, narrative descriptions, operating instructions and procedures, user and training documentation, special forms, and
source code; and (iii) the tangible media upon which such programs are recorded, including without limitation chips, tapes, disks, and diskettes. 

  

Other terms are defined elsewhere in this Agreement. 
  

 2 

 ARTICLE II - TERM 
  

	2.1	Term. This Agreement will begin on the Effective Date and, unless terminated earlier under Section 7.2, 7.3, 7.4, 7.5, or 9.5, will continue for a period of five years from
the Operational Date (the “Initial Term”). Thereafter, this Agreement will automatically renew for successive terms of five years each (the “Renewal Terms”) unless either party gives the other party written notice at least six
months prior to the expiration date of the Initial Term or the Renewal Term men in effect that the Agreement will not be renewed beyond such term. 

  

ARTICLE III - AURUM RESPONSIBILITIES 
  

	3.1	Services Provided. Aurum or its subcontractors will provide Customer with the following Services: 

  

	 	(a)	Basic Services. Customer’s requirements for Basic Services. 

  

	 	(b)	Optional Services. The Optional Services that Customer requests and Aurum agrees to provide. 

  

	 	(c)	Conversion Services. On a mutually agreeable schedule Aurum will provide those services and instructions (“Conversion Services”) reasonably required for Customer to
convert to and use the Aurum Systems. Customer will cooperate in the conversion effort and timely provide whatever information, data, clerical and office support, management decisions, approvals, and signoffs that Aurum reasonably requires.
According to a plan to be developed by Customer and Aurum, Aurum will train a mutually designated group of Customer’s personnel in the proper use of the Aurum Systems to enable such personnel to train Customer’s user personnel in the use
of the Aurum Systems. Customer will cooperate with Aurum in scheduling training in conjunction with Customer’s conversion to the Aurum Systems. 

  

	 	(d)	Additional Services. If Customer requests Aurum to perform any Service which is not a Basic Service, as Optional Service, or a Conversion Service, then Aurum may provide such
service as an “Additional Service”. 

  

	3.2	General Terms Relating to Services. Aurum will: 

  

	 	(a)	Beginning on the Operational Date, operate the Aurum Systems at the Data Center, and accept data and other input from Customer. Aurum will make daily, monthly, and other reports and
output, including specially requested reports, available to Customer at the Data Center for delivery or transmit them to Customer, subject to Customer’s timely delivery or transmission of data and other input to the Data Center for processing.
Aurum will provide the Services in accordance with the schedule provided to Customer by Aurum upon commencement of the Services, which may be updated by Aurum from time to time. Aurum will not be responsible for the loss of any input or output
during transit. 

  

	 	(b)	 Provide all Equipment at Customer’s expense, including related shipping, installation, and maintenance charges, and advise Customer on the compatibility of its
Equipment with the Aurum Systems. Customer may elect, with Aurum’s approval, to provide such Equipment at 

  

 3 

	 	 
Customer’s expense, subject to charges for Additional Services required for Aurum Systems access or configuration. 

  

	 	(c)	Provide for Customer’s use one copy of Aurum’s standard user documentation and one copy of any revisions describing the preparation of input for and use of output from the
Aurum Systems. Such documentation will address the reports provided under this Agreement. Upon Customer’s request, Aurum will provide additional copies of such documentation at Aurum’s then standard charges. 

  

	 	(d)	Correct any errors in customer files that result in errors in reports or other output where such errors (i) are due solely to either malfunctions of Aurum’s equipment or the
Aurum Systems or errors of Aurum’s operators, programmers, or other personnel, and (ii) are called to Aurum’s attention within the time frames specified in Section 4.3. Aurum will, to the extent reasonably practicable, correct any other
errors as an Additional Service. 

  

	 	(e)	Provide standard Aurum forms for use at the Data Center. 

  

	 	(f)	Establish, modify, or substitute from time to time any Equipment, processing priorities, programs, or procedures used in the operation of the Aurum Systems or the provision of the
Services that Aurum reasonably deems necessary, and notify Customer of any such changes that will affect Customer’s operations. 

  

	3.3	Audits. Aurum will provide auditors and inspectors that Customer designates in writing with reasonable access to the Data Center for the limited purpose of performing audits
or inspections of Customer’s business. Aurum will provide to such auditors and inspectors reasonable assistance, and Customer will compensate Aurum for any Additional Services provided in connection with the audit or inspection. Aurum will not
be required to provide access to data of other Aurum customers. 

  

	3.4	Regulatory Compliance. Aurum will endeavor to maintain the Aurum Systems so that they will not be disapproved by any federal or state regulatory authority with jurisdiction
over Customer’s business. If Customer believes that any modifications to the Aurum Systems are required under any laws, rules, or regulations, Customer will promptly so inform Aurum. Aurum will perform any modifications to the Aurum Systems or
recommend changes to operating procedures of Customer that Aurum determines are necessary or desirable; provided, that if any such changes or modifications result in a significant increase in Aurum’s cost of providing Services, Aurum will be
entitled to increase the charges under this Agreement by an amount that reflects a pro rata allocation of Aurum’s increased cost among the applicable Aurum customers. New or enhanced Aurum System features, functions, reports, or other Services
that may result from such modifications or recommendations may be provided as an Additional Service. Notwithstanding the foregoing, Customer acknowledges that the Aurum Systems may, from time to time, consist in part of System(s) licensed by Aurum
from third-party vendor(s) and, therefore, Aurum shall have no duty or responsibility to modify any such third-party System under this Section, except to the extent that the vendor thereof has such a duty or responsibility to modify such System
pursuant to the applicable license agreement between Aurum and such vendor. 

  

 4 

	3.5	Financial Statements and EDP Audit. Upon request, Aurum will provide at no charge one copy of Aurum’s most recent audited financial statements to Customer. Upon request,
Aurum will also provide to Customer one copy of Aurum’s most recent independent Data Center EDP audit at Aurum’s then standard charge for such copy. 

  

	3.6	PC Software. Aurum will either (i) license to Customer or (ii) arrange with the appropriate third party vendor for a direct license, or a sublicense through Aurum, to
Customer of the PC Software. Customer will execute any such license or sublicense that may be required by such vendor and will be responsible for compliance with all terms and conditions thereof. Such license or sublicense will provide for Customer
to have the use of the PC Software at all times during the term of this Agreement. 

  
 ARTICLE IV - CUSTOMER RESPONSIBILITIES 
  

	4.1	Maintenance of Equipment. Customer will maintain all Equipment owned or leased by Customer in good working order in accordance with manufacturer’s specifications.

  

	4.2	Provision of Customized Forms. Unless otherwise agreed in writing, Customer will provide or pay for all customized forms required by Customer. These forms will conform to
Aurum’s reasonable specifications. Customer will also provide all forms produced or printed at Customer’s premises and required for the performance of Services, or will pay mutually agreed charges to Aurum for such forms if provided by
Aurum at Customer’s request. 

  

	4.3	Correction of Reports and Output. Customer will balance reports to verify master file information and will inspect and review all reports and other output (whether printed,
microfiched or electronically transmitted) created from data provided by Customer to Aurum. Customer will reject all incorrect reports or output (i) within two Business Days after receipt of daily reports or output, (ii) within five Business Days
after receipt of annual, quarterly, or monthly reports or output, and (iii) within three Business Days after receipt of all other reports or output. 

  

	4.4	Provision of Data. Customer will be responsible for the quality and accuracy of all data and other input provided to Aurum. Aurum may, at its option, return to Customer for
correction before processing any data submitted by Customer which is incorrect, illegible, or not in proper form. If Customer does not provide its data to Aurum in accordance with Aurum’s specified format and schedule, Aurum will use reasonable
efforts to reschedule and process the data as promptly as possible. Related expenses incurred by Aurum will be charged to Customer. 

  

	4.5	Use of System, Procedures, etc. Customer will comply with all operating instructions for the Aurum Systems which are issued by Aurum from time to time. Except as otherwise
provided in this Agreement, Customer will be responsible for the supervision, management, and control of its use of the Aurum Systems, including without limitation (i) implementing sufficient procedures to satisfy its requirements for the security
and accuracy of the data and other input Customer provides, (ii) implementing reasonable procedures to verify reports and other output from Aurum within the time frames specified in Section 4.3, and (iii) specifying the methods of accrual
calculation to be used by Aurum in providing the Services from the options available in the Aurum Systems. 

  

 5 

	4.6	Customer Systems. Customer will provide, at Customer’s expense, the Customer Systems. Customer will be responsible for any license or maintenance fees related to
providing the Customer Systems for use by Aurum in connection with the Services. Customer will, at Customer’s expense, ensure that the Customer Systems are at all times compatible with the Aurum Systems and Aurum will have no liability
hereunder for any delay or failure to perform Services which arises as a result of the failure of Customer to maintain any Customer System so that it is compatible with the Aurum Systems. 

  

	4.7	PC Software. 

  

	 	(a)	Notwithstanding Section 3.2(b), Customer will, at Customer’s expense, provide and be responsible for all Equipment required for Customer to use the PC Software (“PC
Software Equipment”). 

  

	 	(b)	Without Aurum’s prior written consent, Customer will not (i) install any System other than the PC Software on the applicable PC Software Equipment; (ii) sell, assign, lease,
transfer, or disclose to any third party the PC Software, (iii) use the PC Software for the commercial benefit of any third party; (iv) copy or reproduce the PC Software; or (v) reverse assemble, reverse compile, or otherwise recreate the PC
Software. Customer may transfer its use of the PC Software to a backup or replacement system to the PC Software Equipment on a temporary or permanent basis provided Customer gives prior written notice to Aurum and discontinues use of the PC Software
on the applicable PC Software Equipment. 

  
 ARTICLE V - PAYMENTS TO AURUM 
  

	5.1	Service Charges. Customer will pay Aurum for the Services as follows: 

  

	 	(a)	For Basic Services, the monthly charges listed in Section 1 of Schedule C. 

  

	 	(b)	For Conversion Services, the applicable conversion charge listed in Section 3 of Schedule C. 

  

	 	(c)	For Optional Services, the monthly charges listed in Section 2 of Schedule C. 

  

	 	(d)	For Additional Services, Aurum’s then standard charges for such Services, or, if Aurum then has no standard charges for such Services, upon whatever other basis that the
parties agree. 

  

	5.2	Additional Charges. Customer will also pay Aurum the following, if applicable: 

  

	 	(a)	All costs incurred by Aurum (i) in mailing reports or other output to Customer, its customers, or third parties, and (ii) in transporting, shipping, or delivering reports, output,
or input between the Data Center and Customer’s locations. 

  

	 	(b)	All actual, out-of-pocket costs and expenses, including, without limitation, travel and travel- related expenses, which are incurred by Aurum in providing Services when incurred at
Customer’s request. 

  

 6 

	 	(c)	Any other charges expressly provided in this Agreement. 

  

	 	(d)	All taxes, however designated or levied, based upon any charges under this Agreement, or upon this Agreement or the Systems, Services, or materials provided hereunder, or their use,
including without limitation state and local privilege or excise taxes based on gross revenue, sales and use taxes, and any taxes or amounts in lieu thereof paid or payable by Aurum in respect of the foregoing, exclusive, however, of franchise taxes
and taxes based on the net income of Aurum. 

  

	5.3	Time of Payment. All charges under this Agreement will be due and payable within ten days of invoice date. Any charges not paid within thirty days of invoice date will bear
interest until paid at a rate equal to the lesser of 1.5% per month or the maximum interest rate allowed by applicable law. Customer authorizes Aurum to collect charges for Services through applicable clearing house procedures.

  

	5.4	Annual Adjustment to Charges. No more than once in any twelve month period, Aurum may, at its option and by giving Customer written notice, increase the charges for Services
by a percentage not to exceed the percentage by which the ECI as of that time is higher than the ECI as of (i) for the first adjustment, the earlier of the Effective Date or the date of the last adjustment previously made pursuant to any immediately
prior agreement, if any, under which Aurum provided the same or similar Services to Customer, and (ii) thereafter, the previous time that Aurum adjusted its charges to Customer pursuant to this Section. These increased charges will remain in effect
until Aurum adjusts them again pursuant to this Section. 

  
 ARTICLE VI - SYSTEMS, DATA, AND 
 CONFIDENTIALITY 
  

	6.1	Aurum Systems. All Aurum Systems are and will remain the exclusive property of Aurum or licensors of such Aurum Systems, as applicable, and, except as expressly provided in
this Agreement, Customer shall have no ownership interest or other rights in any Aurum System. Customer acknowledges that the Aurum Systems include Aurum proprietary information and agrees to keep the Aurum Systems confidential at all times. Upon
the expiration or termination of this Agreement, Customer will return all copies of all items relating to the Aurum Systems which are in the possession of Customer and certify to Aurum in writing that Customer has retained no material relating to
the Aurum Systems. 

  

	6.2	 Customer’s Information. Information relating to Customer or its customers contained in Customer’s data files is the exclusive property of Customer
and Aurum will only be the custodian of that information. Aurum agrees to hold in confidence all proprietary information of Customer and its customers provided to Aurum in accordance with Section 6.3. However, upon the request of any appropriate
federal or state regulatory authority with jurisdiction over Customer’s business and after Aurum has, when reasonably possible, notified Customer of such request, Aurum will allow such authority access to all records and other information of
Customer and its customers in the possession of Aurum and provide as an Additional Service any related assistance that is required. Promptly after the termination or expiration of this Agreement and the payment to Aurum of all sums due and owing,

  

 7 

	 	 
including without limitation any amounts due under Sections 7.6 or 7.7, Aurum will, at Customer’s request and expense, return to Customer all of
Customer’s information, data, and files in Aurum’s then standard machine-readable format and media. 

  

	6.3	Confidentiality. Except as otherwise provided in this Agreement, Aurum and Customer each agree that all information communicated to one by the other or the other’s
affiliates, whether before or after the Effective Date, will be received in strict confidence, will be used only for purposes of this Agreement, and except for the requirements of Section 6.2 will not be disclosed by the recipient party, its agents,
subcontractors, or employees without the prior written consent of the other party. Each party agrees to take all reasonable precautions to prevent the disclosure to outside parties of such information, including, without limitation, the terms of
this Agreement, except as required by legal, accounting, or regulatory requirements beyond the reasonable control of the recipient party. If Customer is required to disclose any proprietary information of Aurum in accordance with any such legal,
accounting, or regulatory requirements, then Customer will promptly notify Aurum of such requirement and will cooperate with Aurum (at Aurum’s expense) in Aurum’s efforts, if any, to avoid or limit such disclosure (including, without
limitation, obtaining an injunction or an appropriate redaction of the proprietary information in question). The provisions of this Section will survive the expiration or termination of this Agreement for any reason. 

  

	6.4	Safeguarding Data Integrity. Aurum will maintain internal computer data integrity safeguards (such as access codes and passwords) to protect against the accidental or
unauthorized deletion or alteration of Customer’s data in the possession of Aurum. Aurum will provide additional internal computer data integrity safeguards that Customer reasonably requests as an Additional Service. Aurum will also employ and
maintain controlled access systems in the Data Center. 

  

	6.5	Contingency Planning. The parties’ will perform the following regarding contingency planning: 

  

	 	(a)	Aurum will develop, maintain and, as necessary in the event of a disaster, execute a disaster recovery plan (the “Aurum Plan”) for the Data Center and will provide to
Customer and its auditors and inspectors such access to the Aurum Plan as Customer may reasonably request from time to time. Aurum will not be required to provide access to information of other Aurum customers. 

  

	 	(b)	Customer will develop, maintain and, as necessary in the event of a disaster, execute a business resumption plan (the “Customer Plan”) for all Customer locations and the
telecommunications links between the Customer locations and the Data Center and will provide to Aurum such access to the Customer Plan as Aurum may reasonably request from time to time. 

  

	 	(c)	Aurum will provide to Customer such information as may be reasonably required for Customer to assure that the Customer Plan is compatible with the Aurum Plan.

  

	 	(d)	Each party will be responsible for the training of its own personnel as required in connection with all applicable contingency planning activities. 

  

	 	(e)	 Each party’s contingency planning activities will comply, as appropriate, with such of the following regulatory policies as may be applicable to
Customer’s business, as the same may be 

  

 8 

	 	 
amended or replaced from time to time: (i) Federal Deposit Insurance Corporation Bank Letter BL-22-89 dated July 14, 1989; (ii) Federal Reserve System
Supervision and Regulation Number SR-89-16 dated August 1,1989; and (iii) Office of the Comptroller of the Currency Banking Circular Number BC177 dated July 12, 1989. If compliance with any amendments or replacements of the policies listed above
would significantly increase Aurum’s cost of providing Services, Aurum will be entitled to increase the charges under this Agreement by an amount that reflects a pro rata allocation of Aurum’s increased cost among the applicable Aurum
customers. 

  
 ARTICLE VII - TERMINATION AND

 RELATED MATTERS 
  

	7.1	Arbitration. Any dispute, controversy, or claim arising out of, connected with, or relating to this Agreement, or the breach, termination, validity, or enforceability of any
provision of this Agreement, will be resolved by final and binding arbitration by a panel of three arbitrators in accordance with and subject to the Commercial Arbitration Rules of the American Arbitration Association (“AAA”) then in
effect. Following notice of a party’s election to require arbitration, each party will within thirty days select one arbitrator, and those two arbitrators will within thirty days thereafter select a third arbitrator. If the two arbitrators are
unable to agree on a third arbitrator within thirty days, the AAA will within thirty days thereafter select such third arbitrator. Discovery as permitted by the Federal Rules of Civil Procedure then in effect will be allowed in connection with
arbitration to the extent consistent with the purpose of the arbitration and as allowed by the arbitrators. Judgment upon the award rendered in any arbitration may be entered in any court of competent jurisdiction, or application may be made to such
court for a judicial acceptance of the award and an enforcement, as the law of the state having jurisdiction may require or allow. During any arbitration proceedings, Aurum will continue to provide Services, and Customer will continue to make
payments to Aurum in accordance with this Agreement. The feet that arbitration is or may be allowed will not impair the exercise of any termination rights under this Agreement. 

  

	7.2	Termination Due to Acquisition. If fifty percent or more of the stock or assets of Customer are acquired by another person or entity, whether by merger, reorganization, sale,
transfer, or other similar transaction, then Aurum and Customer will negotiate in good faith the terms and conditions upon which this Agreement may be modified to accommodate such transaction. If the parties are unable to agree upon such
modification, either party upon written notice to the other may terminate this Agreement upon the consummation of such acquisition or on a mutually agreeable date thereafter. 

  

	7.3	Termination for Non-Payment. If Customer defaults in the payment of any charges or other amounts due under this Agreement and fails to cure such default within ten days after
receiving written notice specifying such default, then Aurum may, by giving Customer at least thirty days prior written notice thereof, terminate this Agreement as of a date specified in such notice. 

  

	7.4	 Termination for Cause. If either party materially defaults in its performance under this Agreement, except for non-payment of amounts due to Aurum, and fails
to either substantially cure such default within ninety days after receiving written notice specifying the default or, for those defaults which cannot reasonably be cured within ninety days, promptly commence curing such default and thereafter
proceed with all due diligence to substantially cure the default, then the party not in default may, by 

  

 9 

	 	 
giving the defaulting party at least thirty days prior written notice thereof, terminate this Agreement as of a date specified in such notice.

  

	7.5	Termination for Insolvency. If either party becomes or is declared insolvent or bankrupt, is the subject of any proceedings relating to its liquidation or insolvency or for
the appointment of a receiver, conservator, or similar officer, or makes an assignment for the benefit of all or substantially all of its creditors or enters into any agreement for the composition, extension, or readjustment of all or substantially
all of its obligations, then the other party may, by giving prior written notice thereof to the non-terminating party, terminate this Agreement as of a date specified in such notice. 

  

	7.6	Payment Upon Termination. The parties acknowledge that upon termination of this Agreement for any reason, including under Section 7.2, 7.3, 7.4, or 7.5 (but excluding by
election by either party not to renew pursuant to Section 2.1 or termination by Customer pursuant to Section 7.4 or 9,5), Aurum will incur damages resulting from such termination that will be difficult or impossible to ascertain. Therefore, prior to
such termination and in addition to all other amounts then due and owing to Aurum, Customer will pay to Aurum as reasonable liquidated damages an amount equal to the sum of subsections (a) and (b): 

  

	 	(a)	All costs reasonably incurred by Aurum in connection with such termination, including without limitation telecommunication line disengagement expenses and costs of terminating
leases on or shipping or storing any Equipment provided to Customer by or through Aurum under this Agreement, plus a twenty-five percent management fee on such costs, plus Aurum’s charges for any Additional Services reasonably requested by
Customer for deconversion assistance and Aurum’s then standard charges for the resources utilized to prepare any test or conversion tapes (together, the “Termination Costs”). Aurum may, at its option, invoice Customer for the lesser
of (i) Aurum’s good faith estimate of the Termination Costs, or (ii) the aggregate of the charges payable to Aurum pursuant to Article V for the two calendar months preceding the month in which notice of termination is given. If the actual
Termination Costs are greater or less than the amount of Aurum’s invoice that is paid by Customer under the immediately preceding sentence, then Customer will pay Aurum, or Aurum will refund to Customer, as the case may be, the difference
between the actual Termination Costs and the amount paid. 

  

	 	(b)	*** percent of the total compensation which would have been paid or reimbursed to Aurum under this Agreement during the remainder of its term. The amount of total compensation will
be computed by multiplying the total number of months remaining in the Initial Term or the Renewal Term then in effect from the effective date of the termination by the average monthly charge to Customer for Services under this Agreement during the
twelve calendar months immediately preceding the calendar month in which notice of termination was given, and multiplying that number by *** percent. This is expressed mathematically as follows: 

  
 (Number of months remaining in term) x (average monthly charge for Services
during the twelve months preceding notice of termination) x *** 
  
 If this Agreement has been in effect less than twelve calendar months prior to the giving of the notice of termination, then the parties will compute the amount due under this subsection 

	 	

	 	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 10 

 
(b) using the average monthly charge for Services made during such lesser number of calendar months. If termination of this Agreement occurs prior to the
Operational Date, then the parties will compute the amount due under this subsection (b) assuming that the Operational Date had occurred when scheduled by Aurum and using the average monthly charges reasonably estimated to be paid by Customer.

  
 All amounts payable under this Section 7.6 will be invoiced
and paid prior to the effective date of such termination and prior to the release of any test tapes or other data of Customer. 
  

	7.7	Payment Upon Nonrenewal. If Customer gives or receives notice not to renew this Agreement pursuant to Section 2.1, or Customer terminates this Agreement under Section 9.5,
Customer will pay to Aurum an amount equal to all amounts then due and payable to Aurum, plus (a) Aurum’s charges for any Additional Services reasonably requested by Customer for deconversion assistance, (b) Aurum’s then standard charges
for the resources utilized to prepare any test or conversion tapes, and (c) all other costs reasonably incurred by Aurum in connection with such election not to renew or termination that are described in Section 7.6(a) and that relate to obligations
that Customer approved, which extend beyond the then current term of this Agreement or earlier termination date under Section 9.5. All amounts payable under this Section 7.7 will be invoiced and paid prior to the expiration date and prior to the
release of any test tapes or other data of Customer. 

  
 ARTICLE VIII - LIABILITY AND INDEMNITY 
  

	8.1	Limitation of Liability. Section 3.2(d) sets forth Customer’s exclusive remedies for errors in reports or other output provided by Aurum under this Agreement. If Aurum
becomes liable to the Customer under this Agreement for any other reason, whether arising by negligence, willful misconduct or otherwise, then (a) the damages recoverable against Aurum for all events, acts, delays, or omissions will not exceed in
the aggregate the compensation payable to Aurum pursuant to Section 5.1 of this Agreement for the lesser of the months that have elapsed since the Operational Date or the three months ending with the latest month in which occurred the events, acts,
delays, or omissions for which damages are claimed, and (b) the measure of damages will not include any amounts for indirect, consequential, or punitive damages of any party, including third parties, or damages which could have been avoided had the
output provided by Aurum been verified before use. Customer may not assert any cause of action against Aurum of which the Customer knew or should have known more than two years prior to such assertion. In connection with the conduct of any
litigation with third parties relating to any liability of Aurum to Customer or to such third parties, Aurum will have all rights which are appropriate to its potential responsibilities or liabilities. Aurum will have the right to participate in all
such litigation and to settle or compromise its liability to third parties. 

  

	8.2	Warranty. Aurum will provide the Services in a professional and workmanlike manner. EXCEPT AS EXPRESSLY PROVIDED IN THIS SECTION 8.2, AURUM DISCLAIMS ALL OTHER WARRANTIES,
EXPRESS OR IMPLIED, IN FACT OR BY OPERATION OF LAW OR OTHERWISE, CONTAINED IN OR DERIVED FROM THIS AGREEMENT, ANY OF THE SCHEDULES ATTACHED HERETO, ANY OTHER DOCUMENTS REFERENCED HEREIN, OR IN ANY OTHER MATERIALS, PRESENTATIONS OR OTHER DOCUMENTS OR
COMMUNICATIONS WHETHER ORAL OR WRITTEN, INCLUDING 

  

 11 

	 	 
WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. 

  

	8.3	Force Majeure. Each party will be excused from performance under this Agreement, except for any payment obligations, for any period and to the extent that it is prevented
from performing, in whole or in part, as a result of delays caused by the other party or any act of God, war, civil disturbance, court order, labor dispute, third party nonperformance, or other cause beyond its reasonable control, including
failures, fluctuations or nonavailability of electrical power, heat, light, air conditioning, or telecommunications equipment. Such nonperformance will not be a default or a ground for termination as long as reasonable means are taken to
expeditiously remedy the problem causing such nonperformance. 

  

	8.4	Cross Indemnity. Aurum and Customer each will indemnify, defend, and hold harmless the other from any and all claims, actions, damages, liabilities, costs, and expenses,
including without limitation reasonable attorney’s fees and expenses, arising out of (a) the death or bodily injury of any agent, employee, customer, or business invitee of the indemnitor, and (b) the damage, loss, or destruction of any
property of the indemnitor. 

  

	8.5	Reliance on Instructions. Aurum is entitled to rely upon and act in accordance with any instructions, guidelines or information provided to Aurum by Customer, which are given
by persons having actual or apparent authority to provide such instructions, guidelines, or information, and will incur no liability in doing so. Customer will indemnify, defend, and hold harmless Aurum from any and all claims, actions, damages,
liabilities, costs, and expenses, including without limitation reasonable attorneys’ fees and expenses, arising out of or resulting from Aurum acting in accordance with this Agreement. 

  
 ARTICLE IX - MISCELLANEOUS 
  

	9.1	Binding Nature and Assignment. This Agreement will be binding on the parties and their respective successors and assigns. Neither party may assign this Agreement unless it
obtains the prior written consent of the other party (except that Aurum will have the right to perform the Services itself and through various of its indirect, wholly-owned, United States-based subsidiaries and to subcontract to unaffiliated third
parties portions of the Services, so long as Aurum remains responsible for the obligations performed by any of its subsidiaries and subcontractors to the same extent as if such obligations were performed by Aurum employees), which consent will not
be unreasonably withheld. The following transactions relating to either party will not require approval of the other party under this Section: any merger (including without limitation a reincorporation merger), consolidation, reorganization, stock
exchange, sale of stock or substantially all of the assets, or other similar or related transaction in which such party is the surviving entity or, if such party is not the surviving entity, the surviving entity continues to conduct the business
conducted by such party prior to consummation of the transaction. 

  

	9.2	 Hiring of Employees. During the term of this Agreement and for a period of twelve months thereafter, neither party will, without the prior written consent of
the other, offer employment to or 

  

 12 

	 	 
employ any person employed then or within the preceding twelve months by the other party, if the person was involved in providing or receiving Services.

  

	9.3	Notices. Any notice under this Agreement will be deemed to be given when (i) delivered by hand or when mailed by registered United States mail, return receipt requested, and
(ii) addressed to the recipient party at its address set forth in the first paragraph of this Agreement and to the attention of its President, in the case of Customer, or to the attention of President of Premier Group, in the case of Aurum. Either
party may from time to time change its address for notification purposes, by giving the other prior written notice of the new address and the date upon which it will become effective. 

  

	9.4	Relationship of Parties. Aurum, in providing Services, is acting as an independent contractor and does not undertake by this Agreement or otherwise to perform any regulatory
or contractual obligation of the Customer. Aurum has the sole right and obligation to supervise, manage, contract, direct, procure, perform, or cause to be performed all work to be performed by Aurum under this Agreement. 

 

	9.5	Modification. Aurum may from time to time modify any of the provisions of this Agreement to be effective at any time on or after the expiration of the Initial Term by giving
Customer at least six months prior written notice describing the modification and the date upon which it will be effective (the “Modification Date”). If Aurum gives Customer notice of a modification pursuant to this Section, Customer may,
by giving Aurum written notice at least three months prior to the Modification Date, terminate this Agreement as of such Modification Date or at a specified later date. Unless Customer provides such notice, the modification will be effective for any
period after the Modification Date. 

  

	9.6	Waiver. A waiver by either of the parties of any of the covenants, conditions, or agreements to be performed by the other or any breach thereof will not be construed to be a
waiver of any succeeding breach or of any other covenant, condition, or agreement contained in this Agreement. 

  

	9.7	Media Releases. All media releases, public announcements, and public disclosures by Customer or Customer’s employees or agents relating to this Agreement or the subject
matter of this Agreement, including without limitation promotional or marketing material, but excluding any announcement intended solely for internal distribution by Customer or any disclosure required by legal, accounting, or regulatory
requirements beyond the reasonable control of Customer, will be coordinated with and approved by Aurum prior to release. 

  

	9.8	Entire Agreement. This Agreement and all attached Schedules constitute the entire agreement between Aurum and Customer with respect to the subject matter of this Agreement.
There are no understandings or agreements relative to this Agreement which are not fully expressed herein and no change, waiver, or discharge of this Agreement will be valid unless in writing and executed by the party against whom such change,
waiver, or discharge is sought to be enforced. This Agreement may be amended only by an amendment in writing, signed by the parties. 

  

	9.9	Governing Law. This Agreement will be governed by and construed in accordance with the laws of the State of ***. 

	 	

	 	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 13 

	9.10	Execution of Agreement. Three original copies of this Agreement will be executed and submitted to Aurum by Customer. This Agreement will become effective when Aurum executes
this Agreement. Aurum will return one of the executed copies to Customer. By executing this Agreement, Customer represents and warrants that (a) this Agreement has been duly authorized; (b) such execution does not, and will not, cause a breach by
Customer of any other contract, agreement, or understanding to which Customer is a party; and (c) this Agreement constitutes a valid, fully enforceable, and legally binding obligation of Customer. Customer will maintain this Agreement as an official
record of Customer continuously from the time of its execution. 

  
 IN WITNESS WHEREOF, Customer and Aurum have caused this Agreement to be signed and delivered by its duly authorized representative. 
  

									
	CUSTOMER	 	 	 	AURUM TECHNOLOGY INC.
					
	By:	 	/s/    RONALD W. BACHLI        	 	 	 	By:	 	/s/    ROBERT H. CARPENTER,
JR.        
	 Printed
	 	 	 	 	 	 Printed
	 	 
	 Name:
	 	Ronald Bachli	 	 	 	 Name:
	 	Robert H. Carpenter, Jr.
	 Title:
	 	CEO	 	 	 	 Title:
	 	Vice President
	 Date:
	 	 12/21/00
	 	 	 	 Date:
	 	 10/22/2003

  

 14 

 SCHEDULE A 
 BASIC SERVICES 
  

	I.	Data Processing Services 

  

	    	Effective on the Data Processing Services Operational Date (as determined in accordance with the Agreement), Aurum shall provide the following Basic Services for Customer in a
service bureau environment: 

  

	 	(a)	Base System 

  

	 	    	Effective on the Data Processing Operational Date, the following host-based application processing modules (the “Base System”) will be on-line and available for Customer
access from Customer’s terminals as set forth in Section I(b) and Section I(c) of this Schedule A. 

  

							
	 Product Name

	  	Product
Vendor

	  	Product
Code

	  	Number

	 Central Information File
	  	ITI	  	CIS	  	101-000
	 Demand Deposit Accounting System
	  	ITI	  	DDA	  	102-000
	 Express Exception Item System
	  	ITI	  	EIM	  	102-103
	 Savings Accounting System
	  	ITI	  	SAV	  	103-000
	 Retirement Reporting Module
	  	ITI	  	RRM	  	103-101
	 Certificate of Deposit Accounting System
	  	ITI	  	COD	  	104-000
	 Loan Accounting System
	  	ITI	  	LAS	  	105-000
	 General Ledger Accounting System
	  	ITI	  	FMS	  	151-000
	 Holding Company Module
	  	ITI	  	HCM	  	151-101
	 Item Entry System
	  	ITI	  	IES	  	106-000
	 Accounts Payable System
	  	ITI	  	APS	  	702-000
	 Automated Credit Reporting Module
	  	ITI	  	CRM	  	105-101
	 ATM File Transfer Module
	  	ITI	  	AFT	  	220-000
	 Asset/Liability Management Module
	  	ITI	  	ALM	  	152-103
	 Bond Accounting System
	  	ITI	  	BAS	  	153-003
	 Check Reconcilement System (internal official items only)
	  	ITI	  	CRS	  	350-000
	 Currency Transaction System
	  	ITI	  	CTS	  	320-000
	 Data Communications File Transfer Module
	  	ITI	  	DFT	  	221-000
	 Delinquent Child Support Module
	  	ITI	  	DCSM	  	101-506
	 Federal Call Reporting Module
	  	ITI	  	FCR	  	390-003
	 Fixed Assets System
	  	ITI	  	FAS	  	400-000
	 On-line Collection
	  	ITI	  	OLC	  	105-203
	 Paperless Item Module
	  	ITI	  	PIM	  	380-000
	 Platform Transfer Module
	  	ITI	  	PTM	  	101-100
	 Platform Transfer Interface for CFI Deposit Pro
	  	ITI	  	PMCD	  	101-105
	 Platform Transfer Interface for CFI Laser Pro
	  	ITI	  	PMCB	  	101-101
	 Premier II Graphical User Interface
	  	ITI	  	 	  	 
	 Signature Management Module
	  	ITI	  	SMM	  	107-116
	 Output Management System
	  	Aurum	  	OMS	  	000-00

  

	 	(b)	On-line Host Availability 

  

	 	    	On-line Systems will be available for use from 7:30 a.m. until 7:00 p.m., each Monday through Friday that is a Business Day. The Aurum System will be updated each Business day.

  

	 	(c)	Extended Host Availability 

  

	 	    	The Aurum System will also be available for use from 9:00 a.m. until 2:00 p.m. each Saturday. The Aurum System will not be updated on non-Business days. Aurum may, with not less
than two weeks prior written notice to Customer, conduct System maintenance, hardware and/or software upgrades, and/or other System functions that may require that the Aurum System not be available to Customer during the period of Extended Host
Availability. 

  

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 SCHEDULE A 
 BASIC SERVICES 
  

	 	(d)	Holiday Schedule 

  

	 	    	Aurum’s Data Center will observe all Federal Reserve Bank holidays. On-line service and System updates will not be available to Customer on those days, except as mutually
agreed upon in advance and for a fee to be agreed upon in advance. 

  

	 	(e)	Reports and Report Distribution 

  

	 	    	Daily on-line reports available via OMS/PDS downloads at 8:00 a.m. on Business Days. 

  

	 	    	Monthly on-line reports available via OMS/PDS downloads at Noon on the Monday following the end of the month. 

  

	 	    	Quarterly on-line reports available via OMS/PDS downloads at Noon on the Monday following the end of the month. 

  

	 	    	Annual on-line reports available via OMS/PDS downloads at Noon on the 3rd Business Day following the end of the year. 

  

	 	(f)	Customer Service Telephone Support 

  

	 	    	Monday - Friday Business Days 5:00a.m. - 5:30p.m. 

  

	 	(g)	Relationship Manager Support 

  

	 	    	An Aurum Relationship Manager will be available from time to time on-site at Customer’s location upon Customer initiated request for scheduled meetings at a frequency of at
least once every month. 

  

	 	(h)	Third Party Review  

  

	 	    	*** 

  

	 	(i)	Forms Printing 

  

	 	    	Statements 

  

	 	    	Audit Confirmations 

  

	 	    	Year-end Notices 

  

	 	(j)	Telecommunications Support 

  

	 	    	Monitor data communication line between Customer and Aurum 

  

	 	(k)	Data Transmission 

  

	 	    	Magnetic Tapes - receipt and origination 

  

	 	    	Transmissions - receipt and origination 

  

	 	(1)	Other Services 

  

	 	    	Microfiche Production 

  

	 	(m)	PC Software 

  

			
	 Product Name

	  	 Vendor

	 PC-based portion of Output Management
	  	Aurum
	 System (OMS)
	  	 

  

	 	(n)	SMART Reports 

  

	 	    	Basic Services include 50 SMART reports a month. One SMART report is defined as an individual ad-hoc report that is defined on-line by Customer on the Aurum System from
Customer’s terminal. Said report will be processed during the nightly update, or following the nightly update, and be distributed to Customer with Customer’s other reports. Each time said report is created for Customer’s use shall
constitute one (1) such report. 

	 	

	 	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 A - 2 

 SCHEDULE A 
 BASIC SERVICES 
  

	II.	Item Processing Services 

  
 All Item Processing Services shall be performed pursuant to Customer’s reasonable specifications, subject to the capabilities of Aurum’s
hardware and software utilized to deliver said Item Processing Services. 
  
 1. Definitions 
  
 The
following definitions apply to the Basic Services described in this Schedule A and are provided as a supplement to definitions included in the Agreement: 
  

	 	(a)	“Account” shall an end-customer account type (open or closed), including but not limited to any demand deposit, savings, certificate of deposit or loan account offered by
Customer to its end-customer(s). 

  

	 	(b)	“Change Disposition” shall mean changes to instructions regarding disposition of any Item by Customer after the 14:00 Return Item deadline and prior to 16:00 on any
Business Day. Aurum will pay or return said Item in accordance with Customer’s instructions. 

  

	 	(c)	“Crippled Statement” shall mean an end-customer statement whose number of Items to be enclosed is greater than or less than the enclosure count for that statement.

  

	 	(d)	“Customer’s Data Processing Services Provider” is the customer itself or vendor (Aurum) appointed by Customer to perform Customer’s core data processing
services. 

  

	 	(e)	“Exception Item” shall mean an Item, the automated processing of which is interrupted because of a condition defined by Customer, such definitions which may be changed
from time to time. 

  

	 	(f)	“Exception Item File” shall mean the file of Exception Items that Customer’s Data Processing Services Provider or Customer’s end customer creates and transmits
to Aurum. 

  

	 	(g)	“Full Field Encoding Item” shall mean any Item that requires a field or fields to be MICR encoded other than the amount field. 

  

	 	(h)	“Inclearing Item” shall mean a Customer Item that Aurum receives from the Federal Reserve Bank or other financial institution with an incoming cash letter for the purpose
of performing Item Processing Services. 

  

	 	(i)	“Item Image” is a digitized black and white image of the front and back of each Item. 

  

	 	(j)	“Item Posting File” shall mean a file that Aurum creates from captured Items for transmission to Customer’s Data Processing Services Provider.

  

	 	(k)	“Item Processing Services” are the Services described in Schedule A and are also referred to herein as “Basic Services”. 

  

	 	(l)	“MICR” is the magnetic ink character recognition information that is encoded on Items for processing. 

  

	 	(m)	“MICR Rejects” shall mean Items captured during prime pass that are rejected due to the inability to properly interpret the MICR encoding. The inability to interpret the
MICR encoding may be caused by a variety of reasons, including but not limited to: (a) poor MICR encoding; (b) missing MICR encoding; (c) physical document damage. Aurum will electronically repair the MICR Rejects. 

  

	 	(n)	“On-Us Item” shall mean an Item that is drawn on the Customer or Customer’s end-customer. 

  

 A - 3 

 SCHEDULE A 
 BASIC SERVICES 
  

	 	(o)	“Original Item Retrieval” shall mean occasionally removing Items from the check vault upon Customer’s request. 

  

	 	(p)	“Over-the-Counter” shall mean Items submitted by Customer branch offices, departments, or Customer’s end-customers for the purpose of performing Item Processing
Services. 

  

	 	(q)	“Posting Reversals” shall mean the monetary reversal of posted Items. 

  

	 	(r)	“Pre-encoded Item” shall mean an Item received by Aurum that has required MICR line fields encoded, which Aurum will capture. 

  

	 	(s)	“Return Item” shall mean an Item that Customer instructs Aurum to return. Customer will provide Aurum with a reason for the return of Return Items.

  

	 	(t)	“Serial Fine Sort” shall mean the sorting of check Items into account and check number order. 

  

	 	(u)	“Special Programming” shall mean the provision of programming resources to support Customer’s request for new or modified products or services.

  

	 	(v)	“Statement Cycle Change” shall mean a change to the numerical value of the statement cycle assigned to each Account within the Customer’s Deposit System.

  

	 	(w)	“Statement Cycle Date” shall mean the ending cycle date printed on end-customer’s Account statement. 

  

	 	(x)	“Statement Rendering” shall mean the insertion of an end-customer statement and required Items and inserts into an envelope, sealing the envelope and affixing the
appropriate postage in preparation for mailing to the end-customer. 

  

	 	(y)	“Transit Item” is an encoded or unencoded Item drawn on another financial institution that Aurum will capture for the purpose of creating an outgoing cash letter.

  

	 	(z)	“Unencoded Item” shall mean a document received by Aurum where the dollar amount is not encoded. 

  
 2. Item Processing Services 
  
 Aurum shall provide the following Basic Services to Customer: 
  

	 	(a)	Inclearing Services 

  

	 	(i)	Inclearing Item Capture 

  
 Aurum will receive Customer’s Inclearing cash letter from the Federal Reserve Bank or other financial institution and balance the Items to the cash
letter amount. Aurum will digitize and capture black and white images of the front and back of each Item, endorse each item and assign a sequential trace number, which becomes a part of the Inclearing transaction. Items rejected from the capture
will be corrected and re-entered. When all Inclearing Items are captured and balanced an Item Posting File containing all Inclearing Items will be created for transmission to Customer’s Data Processing Services Provider. When required, Aurum
will capture and outsort Inclearing Items creating cash letters for financial institutions who are end-customers of Customer or end-customers who utilize payable through draft processing. 
  

 A - 4 

 SCHEDULE A 
 BASIC SERVICES 
  

	 	(ii)	Inclearing Item Posting File Transmission 

  
 Aurum will complete the transmission of an Item Posting File containing all Inclearing Items to Customer’s Data Processing Services Provider no
later than 17:30 on Monday and 18:00 on Tuesday through Friday. 
  

	 	(iii)	Incoming Cash Letter Balancing 

  
 The daily incoming cash letter will be reconciled to the dollar amount charged by the Federal Reserve Bank or other financial institution. All cash
letter differences, missing items, extra items, etc., will be reconciled and the proper balancing reports and/or entries will be prepared. 
  
 Aurum will prepare Customer provided adjustment entries for all differences greater than $2.00. The adjusting entry will be image captured and inserted
into the entry run. 
  
 For differences of $2.00 or less the
adjusting debit or credit entry will be processed to the Customer’s designated general ledger account. A Customer provided adjustment entry will not be prepared for this difference. In such instances, Aurum will provide source of receipt to
Customer. 
  
 All errors detected during the incoming cash
letter process are to be adjusted the same Business Day. Aurum will notify Customer of all same day settlement adjustments prior to 14:00 on the Business Day of presentment. Aurum will provide Customer with copies of all adjusting entries that are
prepared and the supporting documentation substantiating the adjustment. This documentation will be packaged and made available for pickup by Customer or Customer’s courier prior to 15:00 the Business Day of presentment. 
  

	 	(b)	Exception Item Processing 

  

	 	(i)	Exception Item File Transmission 

  
 By 04:30 the morning of each Tuesday, 03:30 the morning of each Wednesday through Friday, 06:30 on Saturday and 05:30 on Business Days following Customer
holidays, the transmission of Customer’s complete Account Exception Item File from Customer’s Data Processing Services Provider to Aurum will be completed. 
  

	 	(ii)	Cycle Sort/Exception Item Pull 

  
 Aurum will make images of Exception Items available for Customer review and extraction by 07:00 each day Monday through Saturday and Exception Items
available for pickup by Customer or Customer’s courier by 07:30 on Monday and Wednesday through Friday, 09:30 on Tuesday and 10:30 the Business Day following a holiday. 
  

	 	(iii)	Outgoing Return Item Processing 

  
 Items designated by the Customer as Return Items will be returned by Aurum to the Federal Reserve Bank the same Business Day; provided Customer has met
the applicable Aurum Return Item deadline. Items to be returned by Aurum will be marked in accordance with Federal Reserve regulations. 
  
 After Customer has reviewed its exception item reports and made the necessary pay/no-pay decisions, Customer’s Data Processing Services Provider
will complete transmission of a file in a format mutually agreed to by the parties containing all Return Item requests with reason for return by 14:00 each Business Day for Items captured the previous Business Day. Aurum will out sort, balance to
Customer provided control total and properly stamp each Item to be returned with the Customer’s designated reason, and prepare the Return Item cash letter to be picked up by the Customer or Customer’s courier for delivery to the Federal
Reserve Bank by 22:00 each Business Day. Such Items to be returned will be 

  

 A - 5 

 SCHEDULE A 
 BASIC SERVICES 
  

 
contained in a file transmitted by Customer’s Data Processing Service Provider. One cash letter copy is to be retained by Aurum and one copy will be
forwarded to Customer. 
  
 Aurum will qualify each Return Item
in accordance with Regulation “CC” specifications; provided that the applicable Return Item deadline has been met by Customer. 
  

	 	(iv)	Large Item Notification 

  
 Upon at least ten (10) days prior written notice from Customer, Aurum will begin to notify the financial institution of first deposit of all dishonored
checks for $2,500.00 or more, or other amount to remain in compliance with Regulation CC and any other applicable federal laws and regulations. By 23:59 of each Business Day, Aurum will have completed transmission of large item notifications for
those items requiring them that were presented the previous Business Day. By 08:00 of the Business Day following dispatch of the return item cash letter and transmission of the large item notification, Aurum will make a report of all large item
notices processed on the previous Business Day available for pickup by Customer or Customer’s courier. 
  

	 	(v)	Change Disposition 

  
 Aurum will pay or return Change Disposition Items in accordance with Customer’s instructions, 
  

	 	(c)	Over-the-Counter Item Processing 

  

	 	(i)	Conventional Encoding POD 

  
 Aurum will receive unencoded and pre-encoded proof work processed at Customer’s and Customer’s end customer locations in accordance with
mutually agreed upon delivery time. Aurum will proof each transaction and encode the dollar amount of each unencoded Transit Item and full field encode Customer defined on-us Items. MICR encoding of amounts, balancing, and preparation of checks,
deposits, payments, and other financial documents for POD processing will be done by Aurum. Proof corrections detected by Aurum will be available for pickup by Customer or Customer’s courier by 07:00 the Business Day following the day of
presentment. 
  
 Teller balancing tapes and tapes accompanying
deposits will be included in the daily work sent to Aurum by Customer, and Aurum will make said balancing tapes and item processing Exception Items such as debits or credit Items without offsets or Items from unbalanced transactions remaining at the
end of each Business Day’s processing available for pickup by Customer or Customer’s courier by 07:00 the Business Day following the day of presentment. 
  
 All Unencoded Items delivered to Aurum by the required delivery deadline will be processed to meet Customer’s outgoing
correspondent cash letter deadline; provided, however, that Aurum shall have at least three (3) hours to process unencoded work and three (3) hours to process pre-encoded work. Aurum will make best reasonable efforts to handle Customer’s work
received after the required deadline. 
  

	 	(ii)	Proof Corrections 

  
 Aurum will prepare proof corrections to Customer’s end-customer on electronic forms for reasons including but not limited to: 
  

	 	a)	Error(s) found in addition or subtraction 

  

	 	b)	Check Item was listed for the wrong amount 

  

	 	c)	Tape total was listed incorrectly 

  

	 	d)	Check Item listed was not enclosed 

  

	 	e)	Check item enclosed, not listed 

  

	 	f)	Cash not included in deposit total 

  

 A - 6 

 SCHEDULE A 
 BASIC SERVICES 
  

	 	g)	Tape total not listed in deposit 

  

	 	h)	Collections not included in deposit 

  

	 	i)	Non-Negotiable Item in deposit 

  

	 	j)	Items drawn on foreign institutions 

  
 Aurora will prepare proof corrections to Customer’s designated general ledger account on electronic forms for reasons including but not limited to:

  

	 	a)	Cash ticket missing 

  

	 	b)	Cash ticket for wrong amount 

  

	 	c)	Wrong cash ticket used 

  

	 	d)	Currency included in work 

  

	 	e)	Cashed check Item missing 

  

	 	f)	Cashed check Item enclosed was not listed 

  

	 	g)	Cashed check Item for wrong amount 

  

	 	h)	Other miscellaneous correction 

  

	 	i)	Items drawn on foreign institutions 

  
 Any debit or credit deposit adjustment of $2.00 or less (said dollar amount may reasonably be adjusted over time, based on Customer requirements) will be
charged to a sundry general ledger account, to be identified by Customer using a system generated electronic entry. Any debit or credit deposit adjustment of more than $2.00 (said dollar amount may reasonably be adjusted over time, based on current
industry standard practices) will be charged to Customer’s end-customer or Customer’s designated general ledger account using electronic forms. All errors detected during the Over-the-Counter process are to be adjusted the same day.

  
 Copies of adjustments will be distributed as follows:

  

	 	•	Original will be processed with the proof transactions; and 

  

	 	•	Offsetting side of the entry will be sent to the Customer for processing. 

  

	 	(iii)	Courtesy Amount Recognition 

  
 Aurum will electronically pass all captured Unencoded Items through courtesy amount recognition (CAR) software for the purpose of interpreting the
courtesy amount. 
  

	 	(vi)	Image Base Key Entry 

  
 Aurum will complete the electronic dollar amount information record from the MICR line for those items not recognize by CAR software. 
  

	 	(v)	Power Encode 

  
 Aurum will process items through a transport that automatically encodes MICR data onto a percentage of the items without an operator keying each item.

  

 A - 7 

 SCHEDULE A 
 BASIC SERVICES 
  

	 	(vi)	Over-the-Counter Capture 

  
 Aurum will digitize and capture the black and white images of the front and back of each Over-the-Counter Item, endorse each Item and assign a batch and
sequence number to each Item. 
  

	 	(vii)	Pre-encoded Item Capture 

  
 Aurum will digitize and capture the black and white images of the front and back of each Pre-encoded Item, endorse each Item and assign a batch and
sequence number to each Item. 
  

	 	(viii)	Image Reject Re-entry 

  
 Aurum will complete or correct the electronic information record from the MICR line. 
  

	 	(ix)	Over-the-Counter Item Posting File Transmission 

  
 Aurum will complete the transmission of an Item Posting File containing all Over-the-Counter Items to Customer’s Data Processing Services Provider
no later than 23:00 on Monday through Thursday, 24:00 on Friday and 24:00 on Business Days following Customer holidays. 
  

	 	(x)	Cash Letters 

  
 Outgoing cash letters will be prepared in accordance with Customer’s cash letter requirements, which may change from time to time. As an Additional
Service, Items for cash letter endpoints greater than twelve (12) will be re-passed and prepared in accordance with Customer’s cash letter requirements, which may change from time to time. 
  

	 	(d)	Item Storage, Archive and Access 

  

	 	(i)	Warehousing and Bulk File 

  
 Aurum will store Items by cycle and date according to Customer’s statement cycle definitions in a secure environment. 
  

	 	(ii)	Conventional Statement Fine Sort 

  
 At cycle time the cycled Items scheduled for return to Customer’s end-customer will be fine sorted by account number in preparation for statement
rendition. Rejects from the fine sort process will be manually filed. 
  

	 	(iii)	Daily Item Fine Sort 

  
 On a daily basis Aurum will fine sort internal Customer documents, including but not limited to: loan Items, general ledger Items and savings Items into
amount or Account number order. Daily fine sorted Items from the will be available for pickup by Customer or Customer’s courier by 08:30 the Business Day following the day of presentment. 
  

	 	(iv)	Original Item Storage 

  
 Aurum will retain in a secure environment the Items not returned in Customer’s end-customer statements in their original media for one (1) calendar
month and then return the Items to the Customer or make the Items available for pickup by the Customer or a Customer designated agent. 
  

 A - 8 

 SCHEDULE A 
 BASIC SERVICES 
  

	 	(v)	Image Item Storage and Archive 

  
 Aurum will retain the Item Images on redundant arrays of independent disk (RAID) storage for ninety (90) Calendar Days. Prior to the expiration of the
ninety (90) day RAID storage period, Aurum will transfer the Item Images to optical disk, DVD-ROMs, CD-ROM(s) or comparable storage media for near-line storage in a jukebox provided by Customer as per Aurum specifications that will be maintained by
Customer at Customer’s expense for retention at Customer’s location(s). Aurum will also create a duplicate copy of each optical disk, DVD-ROM, CD-ROM or comparable media for Customer’s off-site storage. 
  

	 	(vi)	Image Workstation Access and Retrieval 

  
 Aurum will grant a license to Customer to use the applicable computer software, under which license Customer may use such applicable computer software to
retrieve Item Images by utilizing Customer’s equipment and telecommunications circuitry to access the RAID V located at the Aurum Data Center and optical disk, DVD-ROMs, CD-ROMs or comparable storage media located at Customer’s
location(s). Included in the Basic Services, Aurum will provide access to Item Images for fifteen (15) concurrent Customer sessions with access software, which may be installed on up to seventy-five (75) Customer workstations. 
  

	 	(e)	Statement Printing, Rendition and Mailing 

  

	 	(i)	Conventional Statement Printing 

  
 Aurum will receive one or more conventional statement print files in a format mutually agreed to by the parties from Customer’s Data Processing
Service Provider by 04:00 on the first Business Day following the Statement Cycle Date. Customer’s Data Processing Service Provider will provide Aurum with one or more segregated print files for end-customer statements in a format mutually
agreed to by the parties targeting the following segregation categories: (a) with Item enclosures less than fifty-four (54), (b) with Item enclosures fifty-four (54) or greater; (c) zero Item enclosure; and (d) special request statements. Aurum will
print end-customer statements in simplex or duplex mode as is mutually agreed to by Customer and Aurum. The print quality will be consistent with that required by automated ZIP code sorting equipment and acceptable to Customer, Aurum and
Customer’s ZIP code sort vendor. 
  

	 	(ii)	Conventional Statement Rendering – Automated Handling 

  
 Aurum will match the boxes of sorted checks with the printed statements. Each box of checks is inspected to ensure that the first check’s account
number matches the first statement’s account number and that the last check’s account number matches the last statement’s account number. For statements with less than fifty-four (54) Item enclosures, Aurum will use an insertion
machine to read the intelligent insertion marks or bar code imprinted on the statement and match this count against the number of Items and printed pages presented. If the counts match, the machine inserts the Items, statement and any inserts into a
Customer provided standard window envelope that is of a quality consistent with that required by automated Statement Rendering equipment and acceptable to Customer and Aurum, seals the envelope and applies the proper pre-sort first class postage so
that the envelope can be released to the ZIP code sort vendor. 
  
 Statements fifty-four (54) or more Items are non-machineable and are rendered manually by Aurum. Aurum will review fine sort reject Items and where possible resolve Item count discrepancies prior to categorizing a statement as a Crippled
Statement. If any Item count discrepancy cannot be resolved, Aurum will follow Customer’s written instructions for statement handling; such instructions to be mutually agreed to in advance for statement handling. 
  

 A - 9 

 SCHEDULE A 
 BASIC SERVICES 
  

	 	(iii)	Conventional Statement Rendering – Manual Handling 

  
 Aurum will manually render conventional statements that do not qualify for automated rendering due to excessive physical page count (greater than nine
(9)) or excessive Item count (fifty-four (54) or more)) will count all Items and match this count against the number of enclosures indicated on the statement. If the count matches, Aurum will insert the statement, Items and any inserts into a
Customer provided envelope that is acceptable to Customer and Aurum, seal the envelope, apply the proper pre-sort first class postage and release the envelope to the ZIP code sort vendor. 
  
 Aurum will review fine sort reject Items and where possible resolve Item
count discrepancies prior to categorizing a statement as a Crippled Statement. If any Item count discrepancy cannot be resolved, Aurum will follow Customer’s written instructions for statement handling; such instructions to be mutually agreed
to in advance for statement handling. Aurum will process as exceptions any statements that are not to be mailed to the end-customer via pre-sort first class mail. These exception statements will be identified by unique intelligent insertion marks or
bar code, which will be mutually agreed upon by Aurum and Customer. From information printed on the statement or provided separately by Customer, Aurum will forward the statement to the appropriate location as designated. 
  

	 	(iv)	Conventional Account Statement Rendering – Crippled 

  
 Aurum will process as exceptions and make available for pickup by Customer or Customer’s courier by 07:00 of the Business Day following
determination of the Crippled Statement condition all Crippled Statements. 
  

	 	(v)	Conventional Account Statement Rendering – No Item Enclosures 

  
 Aurum will use an insertion machine to read the intelligent insertion marks or bar code imprinted on the statement, fold the correct number of pages,
insert the statement and inserts into a Customer provided standard window envelope that is of a quality consistent with that required by automated Statement Rendering equipment and acceptable to Customer and Aurum and seal the envelope. Pre-sort
first class postage is then applied before the envelopes are released to the ZIP code sort vendor. 
  

	 	(vi)	Conventional Serial Fine Sort 

  
 Aurum will Serial Fine Sort Items for accounts designated by Customer. Accounts requiring Serial Fine Sort will be maintained in a separate statement
cycle on the Customer’s core data processing system or designated as Serial Fine Sort accounts in a manner that is acceptable to Customer and Aurum. 
  

	 	(vii)	Image Archive Statement Merge 

  
 By 06:00 on the second Business Day following the Statement Cycle Date when Aurum receives an image statement print file from Customer’s Data
Processing Services Provider, Aurum will also receive an image match file in a format mutually agreed to by the parties. This file will facilitate merging Item Images with image statement text in preparation for image statement printing and image
statement rendering. 
  

	 	(viii)	Image Statement Printing 

  
 Aurum will receive an image statement print file in a format mutually agreed to by the parries from Customer’s Data Processing Service Provider by
06:00 on the second Business Day following the Statement Cycle Date. After the image archive statement merge process, Aurum will print image statement text and Item images in simplex or duplex mode, as is mutually agreed to by Customer and Aurum, in
preparation for image statement rendering. The print quality will be consistent with that required by automated ZIP code sorting equipment and acceptable to Customer, Aurum and Customer’s ZIP code sort vendor. 
  

 A - 10 

 SCHEDULE A 
 BASIC SERVICES 
  

	 	(ix)	End-Customer CD-ROM Statement 

  
 Aurum will retrieve check images from the Aurum-controlled online archive; merging those check images with the corresponding periodic statement text; and
write that data, along with end-customer licensed viewing software, to a CD-ROM for delivery to and use by the end-customer. 
  

	 	(x)	Image Statement Rendering – Automated Handling 

  
 Aurum will use an insertion machine to read the intelligent insertion marks or bar code imprinted on the statement, fold the correct number of pages,
insert the statement and inserts into a Customer provided standard window envelope that is of a quality consistent with that required by automated Statement Rendering equipment and acceptable to Customer and Aurum and seal the envelope. Pre-sort
first class postage is then applied before the envelopes are released to the ZIP code sort vendor. 
  

	 	(xi)	Image Statement Rendering – Manual Handling 

  
 Aurum will manually render image statements that do not qualify for automated rendering due to excessive physical page count (greater than nine (9)).
Aurum will insert the statement and any inserts into a Customer provided envelope that is acceptable to Customer and Aurum, seal the envelope, apply the proper pre-sort first class postage and release the envelope to the ZIP code sort vendor.

  
 Aurum will process as exceptions any statements that are not
to be mailed to the end-customer via pre-sort first class mail. These exception statements will be identified by unique intelligent insertion marks or bar code, which will be mutually agreed upon by Aurum and Customer. From information printed on
the statement or provided separately by Customer, Aurum will forward the statement to the appropriate location as designated. 
  

	 	(xii)	Image Statement CD-ROM Rendering – Manual Handling 

  
 Aurum will manually render image statement CD-ROM’s. Aurum will insert the CDD-ROM and any inserts into a Customer provided envelope that is
acceptable to Customer and Aurum, seal the envelope, apply the proper pre-sort first class postage and release the envelope to the ZIP code sort vendor. 
  
 Aurum will process as exceptions any statement CD-ROM’s that are not to be mailed to the end-customer via pre-sort first class mail. These exception
statement CD-ROM’s will be identified in a manner that is mutually agreed upon by Aurum and Customer. From information provided by Customer, Aurum will forward the statement to the appropriate location as designated. 
  

	 	(xiii)	Statement Inserts 

  
 Aurum will insert up to four (4) statement inserts into Customer statements. The statement inserts will be of a size, format and quality that is
consistent with that required by automated Statement Rendering equipment and acceptable to Customer and Aurum. The proposed statement inserts will be submitted to Aurum at least ten (10) Business Days in advance of the Statement Cycle Date.

  

	 	(f)	Other Services 

  

	 	(i)	Research 

  
 Aurum will provide Customer with assistance to resolve out-of-balance conditions particular to inbound or outbound check processing operations.

  

	 	(ii)	Original Item Retrieval 

  
 At Customer’s request, Aurum will retrieve Items from the check vault. 
  

 A - 11 

 SCHEDULE A 
 BASIC SERVICES 
  

	 	(iii)	Item Posting File Transmission Contingency 

  
 In the event that Aurum is unable to successfully transmit any Item Posting File to Customer Aurum will burn a CD-ROM or DVD containing the data and make
it available for pickup by Customer or Customer’s courier, or, arrange for courier delivery to Customer’s Data Processing Services Provider. 
  

	 	(iv)	Image Processing System Reports 

  
 Aurum will write image system daily reports to an electronic file in an ASCII format each Business Day and make the file available for pickup by Customer
using an TCP/IP transfer utility prior to 07:30 the following Business Day. 
  

	 	(g)	Miscellaneous 

  

	 	(i)	Programming Support 

  
 Aurum will provide Special Programming at Customer’s request for new or modified products or services at the rate quoted in Schedule C of this
Agreement. 
  

	 	(ii)	On-site Consulting 

  
 Aurum will provide item processing consulting services at Customer’s request for new or modified products or services at the rate quoted in Schedule
C of this Agreement. 
  

	 	(iii)	Courier Services 

  
 Aurum will manage the courier that is responsible for transportation of Inclearing Items from the Federal Reserve Bank to the Aurum Image Operations
Center and the courier that is responsible for transportation of Transit Items to the Federal Reserve Bank or other upstream correspondent banks. Customer will be responsible for the selection of the courier services provider and all courier and
transportation related expenses. 
  

	III	Conversion Services 

  
 Aurum shall provide Conversion Services required to implement services detailed above. Customer and Aurum will develop a mutually agreeable business
design and implementation plan detailing responsibilities, accountabilities, tasks and timelines for both Aurum and Customer. Customer and Aurum will determine a mutually agreeable implementation timeline that will commence at contract execution and
culminate with the implementation of contracted services at the conclusion of a three (3) to four (4) month development period. Aurum and Customer agree to provide each other with reasonable access to personnel required to develop and implement the
image services solution as defined in the implementation project plan. 
  

 A - 12 

 SCHEDULE B 
 OPTIONAL SERVICES 
  

	I.	Description of Optional Services 

  
 The following host-based application processing modules or services (“Optional Services”) will be available for an additional charge, for
on-line customer access from Customer terminals. Optional Services charges are listed in Schedule C, Section II. It is the Customer’s responsibility to review the ITI documentation, utilize outside resources such as consultants, input module
specifications and train end-users for Optional Services. The Conversion Services listed in Schedule C, Section III are not intended to include these Optional Services. 
  

							
	 Optional Services

	  	Product
Vendor

	  	Product
Code

	  	Product
Number

	 Telebanc - Telephone Banking Module
	  	ITI	  	TBM	  	370-000
	 Loan Custodial Module
	  	ITI	  	LCM	  	105-303
	 TTM Interface PLUS
	  	ITI	  	TTMP	  	107-120
	 TTM-Interface - EZ Teller
	  	ITI	  	TTMZ	  	107-136
	 Safe Deposit Box Accounting
	  	ITI	  	SDB	  	120-003
	 ATM On-line Interface – Transalliance
	  	ITI	  	ATM	  	214-118
	 Premier Director Host
	  	ITI	  	PDSH	  	110-000
	 EBB Interface for PCBanc
	  	ITI	  	EBW	  	370-200
	 PCBanc Comm Server
	  	ITI	  	 	  	370-202
	 EBB Interface for ExecuBanc II
	  	ITI	  	EBW	  	370-000
	 Execubanc for Windows Interface
	  	ITI	  	EBW	  	370-400
	 EBW Comm Server
	  	ITI	  	 	  	370-402
	 Bill Payment Module
	  	ITI	  	BPM	  	372-003
	 Invision
	  	Aurum	  	 	  	 

  

 B - 1 

 SCHEDULE C 
 SERVICE CHARGES 
  

	I.	Basic Services. 

  

	 	(a)	Data Processing Services 

  

	 	(i)	Base Systems. The monthly service fee for Basic Services provided using the Systems listed in Section I (a) of Schedule A (“Base Systems”) is based on the number of
Account Records, open or closed, maintained on the System at the end of each month. For Basic Services provided using Base Systems, Customer will pay Aurum per Account Record. An “Account Record” is defined as an end-customer account type,
including but not limited to any demand deposit, savings, certificate of deposit or loan account. Customer will pay Aurum based on the following tiered schedule: 

  

			
	 0-100,000 accounts
 100,001 > 125,000 accounts
 125,001 > 150,000 accounts
 150,001 > 175,000 accounts
 175,001 > 200,000 accounts
 200,001 accounts and over
	  	 $*** per open/closed Account Record
 $*** per
open/closed Account Record
 $*** per open/closed Account Record
 $*** per open/closed Account Record
 $*** per open/closed Account Record
 $*** per open/closed Account Record

  

	 	(ii)	Other Services. The monthly fees for other Basic Services identified in Schedule A are as follows: 

  

			
	 Description

	  	 Service Fee

	 On-line terminal connections
	  	$*** per terminal per bank
	 SMART Reports
	  	$*** per report (after 50 reports)
	 SMART pullfiles – repetitive
	  	$*** per pullfile per month
	 Internet pullfiles
	  	$*** per month per bank
	 Cash Management Transmissions
	  	$*** per month flat rate
	 Item Processing Transmissions
	  	$No Charge (if Aurum)
	 ATM Transmissions
	  	$*** per month
	 	  	(2 batch transmissions per day)
	 OMS Maintenance
	  	$*** per month per bank
	 Miscellaneous Transmissions
	  	$*** per transmission
	 Miscellaneous Tapes
	  	$*** per tape
	 Third Party Review
	  	$*** per copy (first copy at no charge)
	 Audit Confirmations Printing
	  	$*** per notice
	 1098/1099 Notice Printing
	  	Quote (See Third Party Charges)
	 Check Printing
	  	$*** per check
	 Telecommunications - to Aurum
	  	Quote
	 Telecommunications Monitoring - to Aurum
	  	Quote

  

	 	(iii)	Third Party Charges. Third party charges, including but not limited to, postage, processing supplies, zipsort and courier will be billed directly to Customer from the
respective third party. 

  

	 	(iv)	Man-time. The following apply: 

  

			
	 Description

	  	 Service Fee

	 Systems Consultant
	  	At the current Aurum rate
	 Project Manager
	  	At the current Aurum rate
	 Training Specialist
	  	At the current Aurum rate

  

	 	(v)	Minimum Monthly Fee. Beginning on the Conversion Date, if Customer’s actual charges as computed in accordance with Section I of this Schedule C, are less than $***,
Customer’s Base Fee payable in advance shall be $***. 

  

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 C - 1 

 SCHEDULE C 
 SERVICE CHARGES 
  

	 	(b)	Item Processing Services 

  
 The monthly service fee for Basic Services is based on the volume of the described services multiplied by the unit cost/charge for that service. A base
fee will be invoiced by Aurum and payable in advance. Amounts due as a result of excess volume will be invoiced and payable in arrears. 
  

			
	 	  	 Unit Cost

	 Inclearings Conventional Capture
	  	$*** per item
	 Inclearings Image Capture
	  	$*** per item
	 Cash Letter Creation
	  	$ No Charge
	 Exception Pull/Cycle Sort
	  	$*** per item
	 Outbound Return Items
	  	$*** per item
	 Large Item Notification
	  	$*** per item
	 Image Based Courtesy Amount Recognition
	  	$*** per item
	 Image Base Key Entry
	  	$*** per item
	 Power Encode
	  	$*** per item
	 Conventional Encoding POD
	  	$*** per item
	 Proof Corrections < $5.00
	  	$*** per item
	 Proof Correction > $5.00
	  	$*** per item
	 POD Conventional Capture
	  	$*** per item
	 POD Image Capture
	  	$*** per item
	 MICR Reject
	  	$*** per item
	 Bulk File/Warehouse
	  	$*** per item
	 Account/Statement Fine Sort
	  	$*** per item
	 Serial Fine Sort of Items
	  	$*** per item
	 Statement Print
	  	$*** per page
	 DDA Statement Rendition Automated w/ zero encl.
	  	$*** per statement
	 DDA Statement Rendition Automated w/ enclosures
	  	$*** per statement
	 DDA Statement Rendition Manual w/ zero encl.
	  	$*** per statement
	 DDA Statement Rendition Manual w/enclosures
	  	$*** per statement
	 Special Handling Statement Rendition
	  	$*** per statement
	 Savings Statement Rendition - No enclosures
	  	$*** per statement
	 Customer Statement CD-ROM
	  	$*** per CD
	 Statement Inserts - Regular
	  	$*** per statement
	 Statement Inserts - Special
	  	$ Quote
	 Manual Item Retrieval
	  	$*** per item
	 Research
	  	$*** per hour
	 Client Archive DVD
	  	$*** per item
	 	  	(excluding media)
	 On-line Archive Access
	  	$*** per month
	 	  	(10,000 images per month)
	 	  	$*** per image over 10,000

  

	 	c)	Other Expense 

  

			
	 Description

	  	 Charge

	 Telecommunications Charges
	  	Customer Expense
	 Postage
	  	Customer Expense
	 	  	Funded in Advance
	 Zip Sorting
	  	Customer Expense Direct
	 	  	Bill by Zip Sort Vendor
	 Federal Reserve Courier
	  	Aurum Managed,
	 	  	Customer Expense Direct
	 Other Courier
	  	Customer Managed,
	 	  	Customer Expense Direct
	 Mailing Supplies
	  	Customer Expense
	 Forms and Paper
	  	Customer Expense and
	 	  	Customer Provided,
	 	  	including but not limited to statement form,
	 	  	envelopes, general ledger tickets, custom
	 	  	control tickets

  

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 C - 2 

 SCHEDULE C 
 SERVICE CHARGES 
  

	II.	Optional Services. For Optional Services, Customer will pay the following fees in addition to the charges listed in Section I of Schedule C: 

  

			
	 Description

	  	 Fee

	 Telebanc - Telephone Banking Module
	  	$*** per month, includes 2,000 calls
	 Loan Custodial Module
	  	$*** per call over 2,000 calls for banks using Aurum Telebanc server
$*** per month
	 	  	0 – 112,000 accounts
	 TTM Interfere PLUS
	  	$*** per month
	 TTM-Interface - EZ Teller
	  	$*** per account; (minimum $150.00 per month)
	 Safe Deposit Box Accounting
	  	$*** per month per bank
	 ATM On-line Interface – Transalliance
	  	$*** per month
	 Premier Director Host
	  	$***
	 EBB Interface for PCBanc
	  	$*** per month
	 PCBanc Comm Server
	  	$*** per month
	 EBB Interface to ExecuBanc II
	  	$***
	 Execubanc for Windows Interface
	  	$*** per month
	 EBW Comm Server
	  	$*** per month
	 Bill Payment Module
 Invision
	  	 $*** per month
 $*** per month Sacramento
Commercial

	 	  	$*** per month Bank of Orange County
	 	  	$*** per month

  

	III.	Conversion Services. For Conversion Services listed in Section III of Schedule A, Customer will pay the following one-time fees: 

  

					
	 (a)
	 	 Data Processing Project Management /Conversion – Placer Sierra Bank
	  	$***
		
	 	 	Development, execution and testing of database for converting from an in-house ITI system to Aurum/ITI. Including but not limited to overall project management and weekly
conversion status meetings; ATM, CRS and Payroll transmission testing; SMART and Invision specification set-up; IES, BFM and PEM file testing; and establishing Director, Execubanc II and ATM certifications.
			
	 (b)
	 	Item Processing Conversion – Placer Sierra Bank and Sacramento Commercial Bank	  	$Quote

  
 The one-time charge
for conversion to image item processing will be determined after further review. Conversion Services charges for additional or future conversions will be quoted separately by Aurum. The one-time charge does not include supplies, forms,
telecommunications network design, telecommunications line installation and testing, data communications equipment at Customer and Aurum Data Center locations, or travel-related expenses. Additionally, the one-time charge does not include image
archive 
  

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 C - 3 

 SCHEDULE C 
 SERVICE CHARGES 
  

 jukebox hardware, jukebox server hardware, jukebox software or installation of such which will be
required at Customer’s site and that will be paid for by the Customer. 
  

							
	 (c)
	 	 Telecommunications
	  	 	  	 
				
	 	 	 Modems, Terminal Emulation
 Data Communications Hardware
 Data Communications Set-up
 ATM
Service Set-up Fee
	  	 Bank Expense
 Bank Expense
 Bank Expense
 Bank Expense
	  	 
			
	 (b)
	 	Output Management System	  	$Quote
		
	 	 	Plus any applicable taxes and shipping expenses for the OMS implementation and hardware including but not limited to PC, optical drive, optical disks, modem, mouse, keyboard and
monitor. Aurum will provide the OMS software to Customer for Customer’s use in connection with Aurum’s Services at no additional charge.
				
	 (e)
	 	Invision Ad Hoc reporting	  	 $*** installation fee
 $*** per day on -site
training
 $*** - User Guide (plus shipping per manual)
	  	 

  

	 	(f)	On-site Conversion Assistance 

  
 Optional on-site assistance during conversion week at $*** per hour per person. 
  

	 	(g)	New Module Installation 

  
 An installation charge may apply for modules listed in Schedule A or B but not is use at this time in the banks. 
  

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 C - 4 

 SCHEDULE D 
 CUSTOMER SYSTEMS 
  
 “Customer
Systems” are the Systems to be provided by Customer for use in conjunction with Aurum Systems, Customer Systems include, but are not limited to the following: 
  

			
	 System

	  	Vendor

	 Data Communications Equipment
	  	Various
	 LaserPro
	  	CFI
	 Deposit Pro
	  	CFI
	 Teller Equipment
	  	Various
	 Teller Automation Software
	  	EZ Teller
	 Platform Automation Software
	  	Various
	 InfoConnect
	  	ITI
	 InfoConnect Intercom
	  	Attachmate
	 InfoConnect FileXpress
	  	Attachmate
	 Netware
	  	Novell
	 NT
	  	Microsoft
	 Office
	  	Microsoft
	 Windows
	  	Microsoft

  

 D - 1 

 SCHEDULE E 
 CUSTOMER RESPONSIBILITIES 
  

	I.	Customer Responsibilities 

  
 In connection with the Basic, Optional, Additional and Conversion Services and in addition to Customer’s other obligations under this Agreement,
Customer will: 
  

	 	(a)	Ensure that its personnel maintain a working knowledge of the Aurum System and that new Customer personnel are properly trained to utilize the Aurum System.

  

	 	(b)	Provide to Aurum and keep current, by mutually agreeable means, such information concerning the DDA/Checking Accounts as Aurum may reasonably require. 

  

	 	(c)	Ensure that all magnetic tapes, and other documents or media which Aurum may require to process hereunder are in a format acceptable to Aurum and contain, in machine readable form,
the data and information required by Aurum. 

  

	 	(d)	Cooperate with Aurum in the performance of Basic Services and provide to Aurum such data and information, management decisions, regulatory interpretations and policy guidelines as
Aurum reasonably requires. 

  

	 	(e)	Select, and be responsible for (financially and otherwise), the courier service to be utilized in conjunction with the Basic Services provided herein. The parties agree that such
courier service may be either an existing courier service shared by other Aurum customers or, if Customer in its sole discretion determines that it is not feasible or desirable to utilize such existing courier service, such other courier service as
is designated by Customer. 

  

	 	(f)	Modems provided by Customer must be approved by Aurum to insure compatibility with the Aurum System. 

  

	 	(g)	Provide adequate space for the Equipment and a power source according to the manufacturer’s specification requirements for all Equipment necessary for the complete System
utilization. 

  

	 	(h)	Provide adequate space for the installation of telephone drop(s) necessary to connect Customer’s terminals with the telephone lines which communicate with the Aurum Systems.
Aurum agrees to schedule with the telephone company the technical aspects of said installation of the data communications telephone lines. Charges made by the telephone company for the initial installation and ongoing costs of the data
communications telephone lines along with any additional drops or changes to the drop locations in the future will be the responsibility of Customer. 

  

	 	(i)	Provide to Aurum and keep current, by mutually agreeable means, information reasonably required by Aurum concerning the accounts offered by Customer to its customers and internal
Customer general ledger accounts. 

  

	 	(j)	Promptly inspect and review all reports and data files provided to Customer by Aurum and, unless a shorter period of time is required for any specific report or data file, notify
Aurum of any incorrect report or data file within one Business Day after receipt thereof. Failure to so notify Aurum of any such report or data file will constitute acceptance thereof. 

  

 E - 1 

 ADDENDUM ONE 
  
 THIS ADDENDUM (“Addendum”) to that certain Agreement for Information Technology Services (“Agreement”) between AURUM TECHNOLOGY INC (Aurum) and
California Community Bancshares, Inc. (“Customer”) and its current and future subsidiaries and Affiliates, Sacramento Commercial Bank, The Bank of Orange County and Placer Sierra Bank, dated of even date herewith, is made and entered into
by and between Customer and Aurum. 
  
 The parties agree to amend the Agreement as
follows: 
  

	1.	Section 1.1(b) of the Agreement is amended to read as follows: 

  
 “Basic Services” are the Services listed in Schedule A, including the Item Processing Services. 
  

	2.	Section 1.1 (c) of the Agreement is amended to read as follows: 

  
 “Business Day” is each weekday, Monday through Friday, during which Customer conducts its business operations and which is not a holiday of the
federal reserve banks. 
  

	3.	New Sections 1.1 (r) and 1.1 (s) are added to the Agreement to read as follows: 

  

	 	(r)	“Item” is a document or other segment of media on which is recorded information evidencing a debit or credit. 

  

	 	(s)	“Item Processing Services” are the Services described in Schedule A. 

  

	4.	Section 3.l(c) of the Agreement is amended to read as follows: 

  
 On a mutually agreeable schedule Aurum will provide those services and instructions (“Conversion Services”) reasonably required for Customer to
convert to and use the Aurum Systems and the Item Processing Services. Customer will cooperate in the conversion effort and timely provide whatever information, data, clerical and office support, management decisions, approvals and signofis that
Aurum reasonably requires. According to a plan to be developed by Customer and Aurum, Aurum will train a mutually designated group of Customer’s personnel in the proper use of the Aurum Systems (other than the Aurum Systems used to provide Item
Processing Services) to enable such personnel to train Customer’s user personnel in the use of such Aurum Systems. Customer will cooperate with Aurum in scheduling training in conjunction with Customer’s conversion to the Aurum Systems.

  

	5.	Sections 3.2(a) through 3.2(e) of the Agreement do not apply to Item Processing Services provided by Aurum. 

  

	6.	Section 3.4 of the Agreement does not apply to Aurum Systems used to provide Item Processing Services. 

  

 1 

	7.	A new Section 3.7 is added to the Agreement to read as follows: 

  
 General Terms Relating to Item Processing Services. 
  

	 	(a)	With respect to Item Processing Services, Aurum will be responsible for the Items from the time that such Items are received by Aurum at the Data Center until the Items are released
for pickup at the Data Center to couriers; provided that Aurum’s liability for the destruction or disappearance of Items will be limited to cases where the destruction or disappearance is due entirely to the negligence or willful misconduct of
Aurum and, if so, Aurum’s sole obligation is to reconstruct the Items from microfilm created by Customer. 

  

	 	(b)	All times indicated in this Agreement refer to the time zone in which the Data Center is located. 

  

	8.	A new Section 3.8 is added to the Agreement to read as follows: 

  
 Regulatory Compliance Related to Item Processing Services. If either Aurum or Customer becomes aware of any changes or proposed changes to any
statutes, regulations or rules applicable to the Item Processing Services, that party will promptly notify the other of the change or proposed change, and the parties will cooperate in analyzing the impact, if any, that the change or proposed change
will have on the obligations of the parties under this Agreement. If any such change requires Aurum to modify any Item Processing Services, Aurum will comply with such change and Customer will reimburse Aurum for (a) any additional costs thereby
incurred by Aurum that are specific to Customer (such as the cost of retaining Customer’s data for a longer period of time), and (b) Customer’s pro rata share (based on such method of proration as Aurum in good faith determines to be
appropriate) of any additional costs thereby incurred by Aurum that are not specific to Customer (such as the cost of modifications to the Aurum Systems that apply to Customer and to other Aurum customers for item processing services) and that are
in excess of the costs that Aurum would customarily absorb as part of its normal services to its customers for item processing services, as reasonably determined by Aurum. 
  

	9.	A new Section 4.8 is added to the Agreement to read as follows: 

  
 Customer Responsibilities Related to Item Processing Services. In order that Aurum may perform its obligations to provide Services, including Item
Processing Services, Customer shall perform the actions provided in Schedule E. 
  

	10.	Section 5.1(a) of the Agreement is amended to read as follows: 

  

	 	(a)	For Basic Services, including Item Processing Services, the monthly charges listed in Schedule C. 

  

 2 

	11.	Section 5.2(a) of the Agreement is amended to read as follows: 

  
 All costs incurred by Aurum (i) in mailing reports or other output to Customer, its customers, or third parties, and (ii) in transporting, shipping, or
delivering Items, reports, output, or input to and from the Data Center, including without limitation couriers, telecommunications and data communications charges. 
  

	12.	The first sentence of Section 8.1 of the Agreement is amended to read as follows: 

  
 Section 3.2(d) sets forth Customer’s exclusive remedies for errors in reports or other output provided by Aurum under
this Agreement and Section 3.7(a) sets forth Customer’s exclusive remedies for the destruction or disappearance of Items that occur while such Items are being held at the Data Center. 
  

	13.	New sixth and seventh sentences are added to Section 8.1 to read as follows: 

  

Customer expressly waives and releases any claim that it may otherwise have against Aurum in excess of such amounts provided for pursuant to this
Section. By releasing and discharging Aurum from such claims both known and unknown, Customer expressly waives any rights it may have had under California Civil Code Section 1542 which provides as follows: “A general release does not extend to
claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.” 
  

	14.	Schedule F, attached, is added to the Agreement. 

  

	15.	Except as amended by this Addendum, the Agreement will be and remain in full force and effect in accordance with its terms. Capitalized terms used in this Addendum will be as
defined in the Agreement unless otherwise expressly defined in this Addendum. 

  

	16.	Three (3) original copies of this Addendum will be executed and submitted to Aurum by Customer. This Addendum will become effective when Aurum executes this Addendum. Aurum will
return one of the executed copies to Customer. 

  
 IN WITNESS
WHEREOF, the parties have executed this Addendum as of the date set forth above. 
  

									
	 CUSTOMER
	 	 	 	 AURUM TECHNOLOGY INC

					
	By:	 	/s/    RONALD W. BACHLI        	 	 	 	By:	 	 
	 Printed
 Name:
	 	RONALD BACHLI	 	 	 	 Printed
 Name:
	 	 
	 Title:
	 	CEO	 	 	 	 Title:
	 	 
	 Date:
	 	 12/21/00
	 	 	 	 Date:
	 	 

  

 3 

 SCHEDULE F 
 SERVICE LEVEL STANDARDS 
  
 Effective October 1, 2001 Aurum shall perform Services in such a manner so as to meet or exceed the performance standards described in this Schedule F (the “Performance Standards”). Compliance with the Performance
Standards will be determined on a monthly basis. Customer will report incidents of non-compliance to Aurum and Aurum will keep accurate records relating to such compliance. For purposes hereof, a failure by Aurum to meet a Performance Standard
during a calendar shall be deemed to be an “Occurrence”. When reasonably possible, Customer must report incidents suspected to be Performance Standard Occurrences to Aurum within *** hours or immediately, upon of becoming aware of the
incident after the *** hour deadline. 
  

	A.)	Performance Standards - Data Processing 

  

	1.	***% On-line Systems Availability 

  
 Performance Standard: On-line mainframe systems (PRM0350, EZ Teller Interface, Plus Interface) are to be available at least ***% of the time during
the hours specified in Schedule A. Electronic Banking Product Interfaces for ITI’s Telephone Banking and Execubank Systems to be available *** percent of the time minus any system maintenance hours. 
  
 Measurement: On-line systems availability will be calculated as [(the
total number of Available Hours (defined below) minus the “down” hours which occur during the same quarter) divided by the total Available Hours ] to determine the percentage of on-line systems availability. 
  
 “Available Hours” are the total number of hours that the systems
are required to be available in a quarter. A failure by Aurum to meet or exceed ***% systems availability outline in the above Performance Standard during one (1) calendar quarter will create an Occurrence. Downtime related to scheduled maintenance
and/or Customer’s local or wide area network will not be calculated into this measurement. 
  

	2.	Delinquent Child Support Output 

  
 Performance Standard: Aurum will provide to (i) Customer, (ii) Customer’s designated third party provider or (iii) the applicable government
agency (the “Reporting Agency”), a quarterly file of all open Account Records (the “Quarterly All Accounts File”) for the purposes of participating in the Child Support Performance and Incentive Act of 1998 and/or the Personal
Responsibility and Work Opportunity Reconciliation Act of 1996, as applicable (collectively, the “financial Institution Data Match Program”). Output will be scheduled to meet state reporting requirements. 
  
 Measurement: Missing the reporting requirement *** time in a calendar
year will create an Occurrence. Missing this deadline due to an event not under Aurum control will be excluded from this measurement. 
  

	3.	Currency Transaction Program Output 

  
 Performance Standard: Aurum will provide to customer for download availability a file created by the CTR program. This file is created on the 10
and 25th of each month or the following Monday should these dates fall on a weekend. 
  
 Measurement: Missing the reporting requirement *** time in a calendar year will create an Occurrence. Missing this deadline due to an event not under Aurum control will be excluded from this measurement.

  

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 F - 1 

 SCHEDULE F 
 SERVICE LEVEL STANDARDS 
  

	4.)	Year-end Notice Reporting and Printing 

  
 Performance Standard: Year-end (1099, 1098 and 5498) notices will be printed and information reported within legally required time frames as
outlined by the applicable regulatory agencies. 
  
 Measurement: Missing these deadlines *** time in a calendar year will create an Occurrence. Year-end notice and reporting deadlines missed due to events not under Aurum control, Customer requests or situations related to
Customer’s decisions regarding year-end closing and reporting will be excluded from this measurement. 
  

	5.)	OMS Delivery - *** ........... 

  
 Performance Standard: 
  
 Successful delivery is defined as ***% of all nightly download files arriving at the download station by the daily delivery due time. SLA performance will
be measured monthly. In the event of system failure, files delivered via alternate means to the customer which arrive prior to the delivery due time are counted as meeting SLA. 
  
 Need to discuss with Harvey Measurement difficult... Count the hundreds of reports sent on a Daily Basis to Deliver? No
Depcon SLA possible 
  
 See Section I (e) of Schedule A
....... 
  
 Daily on-line reports available for OMS/PDS download
at 8:00 a.m. on Business Days. Optical downloads for daily SMART reports will be initiated 1:00 p.m. on Business Days, provided the SMART report request was received by Aurum before 3:00 p.m. on the Business Day before the SMART report was to be run
by Aurum. 
  
 Measurement: Note: Need to refine
measurement 
  
 Optical deadlines missed due to
unavailability of Customer Systems will be excluded from this measurement. 
  

	6.)	OMS Delivery -Month-end, Quarter-end and Year-end 

  
 Performance Standard: 
  
 See Section I (e) of Schedule A 
  
 Monthly on-line reports available for OMS/PDS download at Noon on the Monday following the end of the month. 
  
 Quarterly on-line reports available for OMS/PDS download at Noon on the
Monday following the end of the month. 
  
 Annual on-line reports
available for OMS/PDS download at Noon on the 3rd Business Day following the end of the year. 
  
 Measurement: Note: Need to refine measurement – 
  
 Optical deadlines missed due to unavailability or Customer Systems will be excluded from this measurement. 
  

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 F- 2 

 SCHEDULE F 
 SERVICE LEVEL STANDARDS 
  

	7.	Incoming ACH File Processing 

  
 Performance Standard: 
  
 Aurum will processes all incoming ACH files received from the Federal Reserve within required timeframes as outlined by the National Clearing House
Association. 
  
 Prerequisites 
  
 Federal Reserve Bank delivery of ACH files according to their schedule.
Note- Will outline schedule - Need internal Aurum help here... 
  
 Measurement: Failure to processing an incoming file from the Federal Reserve within legally required timeframes one (1) or time in a Calendar Month will create an Occurrence. Files not processed due to incorrect file formats or
incorrect data records are excluded from this measurement. 
  

	B.)	Performance Standards- Item Processing 

  

	1.	Statement Rendering 

  
 Service Description 
  
 See Section II.2 (e) of Schedule A. 
  
 Prerequisites 
  
 On-time delivery each Business Day of all statement print, image match and fine sort files by the times indicated in Schedule A. 
  
 Marketing inserts are available ten (10) Business Days prior to insertion
and must be of a size, format and quality acceptable to Aurum. 
  
 Client checks must meet industry standards for Size, weight, Micr content, Micr font, and Micr Ink. 
  
 Client Statements that include checks that do not meet the industry standard outlined above will be processed as “non machine able” and/or
“crippled” and fall under associated performance guidelines 
  
 Performance Standard 
  
 This Performance
Standard consists of two (2) parts: 
  

	 	a.	***% non-Crippled Statements that can be machine-rendered will be rendered and bear a postmark date not exceeding *** Business Days after the Statement Cycle Date for non-month-end
statements and *** Business Days for month-end statements. Missing the Statement Rendition deadline listed in Section II.2 (e) of Schedule A more than *** time in a calendar month will create an Occurrence. 

  
 For statements that cannot be rendered by machine and/or are
“Crippled” an additional business day will be added. 
  

	 	b.	*** percent of all statements will contain appropriate enclosures. Due to the machine rendering process, statements that include non-industry standard items will be excluded for
this standard. 

  
 Measurement 
  
 Monthly statement
volume 
  
 Monthly report of statement activity
maintained by Aurum. 
  
 Customer maintained log
of end-customer complaints. 
  

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 F - 3 

 SCHEDULE F 
 SERVICE LEVEL STANDARDS 
  

 Complaints from end-customers to Customer are reported to Aurum for review, validation and tracking.
A statement error condition that is reported to Customer by both end-customers affected by the single error will be counted as a single error condition. 
  
 The total number of statements generated by Aurum in a calendar month (“Total Number of Statements”), minus the statements not bearing an
on-time postmark and reported to Aurum, will be divided by the Total Number of Statements to determine the percentage of statements mailed on-time for the month. 
  

	2.	Notice – Check Printing and Rendering 

  
 Service Description 
  
 Aurum will print and make available notices and checks from the Customer’s Data Processing Service Provider. Aurum will have notices and Checks
available for release to the customer or customer’s courier by each Business Day. Aurum will also render notices one business day after receipt from the Customer’s Data Processing Service Provider. 
  
 Prerequisite 
  
 Delivery of notice and check files from Customer’s Data Processing
Services Provider by 3:00 A.M. each Business Day. 
  
 Checks to
be printed on single ply laser check stock 
  
 Performance
Standard 
  
 This Performance Standard consists of two (2)
parts: 
  
 ***% of notices and checks will be printed and
available for release to Customer or Customer’s courier by 11:00 a.m. each Business Day ***% of the time in a calendar month. In the event that Aurum misses the release deadline and Customer’s courier has departed from Aurum, Aurum may, at
its option and expense deliver notices to Customer’s administrative offices on the same business day. In such instances, Aurum will not be deemed to have missed the Performance Standard. Missing the Notice Printing delivery deadline more than
*** time in a calendar month will create an Occurrence. 
  
 ***%
of notices will be printed, rendered and bear a postmark date not exceeding *** Business Day after receipt from Customer’s Data Processing Services Provider. Missing the Notices Rendition deadline more than *** time in a calendar month will
create an Occurrence. 
  
 Measurement 
  
 Monthly courier log maintained by Aurum and Customer. 
  
 Monthly report of notice activity maintained by Aurum 
  
 Customer maintained log of end-customer complaints. 
  
 Complaints from end-customers forwarded to Aurum for review, validation and
tracking. 
  
 The number of Business Days in a calendar month
when notices were available for on-time release will be divided by the total number of Business Days in the calendar month to determine the percentage of notices ready for on-time release. 
  
 The number of on-time notices rendered in a calendar month will be divided
by the total number of notices rendered to determine the percentage of notices released on-time. 
  

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 F - 4 

 SCHEDULE F 
 SERVICE LEVEL STANDARDS 
  

	3.)	Distribution of deposit correction notices and supporting documentation 

  
 Performance Standard 
  
 ***% of Deposit Correction Notices and supporting documentation will be available for release to customer or customer’s courier by 7:00 a.m. each
Business Day ***% of the time in a calendar month. In the event that Aurum misses the release deadline and Customer’s courier has departed from Aurum, Aurum may, at its option and expense deliver notices to Customer’s administrative
offices on the same business day. In such instances, Aurum will not be deemed to have missed the Performance Standard. Missing the Notice Printing delivery deadline *** ore more time in a calendar month will create an Occurrence. 
  
 Prerequisite 
  
 None 
  
 Measurement 
  
 Monthly courier log maintained by Aurum and Customer. 
  
 Monthly report of Deposit Correction volume maintained by Aurum 
  

Customer maintained log of Deposit Corrections – documentation not received 
  
 Customer Notification of missing Deposit Corrections – documentation forwarded to Aurum for review, validation and
tracking. 
  
 The number of Business Days in a calendar month
when Deposit Corrections were available for on-time release will be divided by the total number of Business Days in the calendar month to determine the percentage of Deposit Correct notices ready for on-time release. 
  
 The number of on-time Deposit Correction notices rendered in a calendar
month will be divided by the total number of notices rendered to determine the percentage of notices released on-time. 
  

	4.	AFS Report on CD 

  
 Performance Standard: Aurum will make available to client and or client courier weekly Cash Letter Reports. Report information will be provided via
CD or file transfer on Tuesday for the previous weeks reports. 
  
 Measurement: Missing the reporting requirement *** or more time in a calendar Month will create an Occurrence. 
  

	5.	Signature review exception reporting: 

  
 Performance Standard: Aurum will make available to client information regarding items that fail the signature review process by 12:00 noon each
business day. 
  
 Measurement: Missing the reporting
requirement more than *** time in a calendar Month will create an Occurrence. 
  

	6.	Item Research - Bulk file and Archive 

  
 Performance Standard: 
  
 Bulk file - Items requested for retrieval from the check vault prior to statement drop will be retrieved and shipment initiated within *** hours from
receipt of request from Customer. Item requests in excess of *** per day will be excluded from the measurement. 
  
 Archive - Items requested for retrieval from archive will be retrieved and shipment initiated within *** hours from receipt of request from Customer
should Customer be unable to retrieve these items using their standard internal retrieval methods. Item requests in excess of *** per day *** will be excluded from the measurement. 
  

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 F- 5 

 SCHEDULE F 
 SERVICE LEVEL STANDARDS 
  

 Prerequisite: Item requests will be made in writing and direct to Aurum, on a form to be
provided by Aurum, between 8:00 a.m. and 5:00 p.m. on Business Days. Facsimile copies of this form sent to Aurum will be accepted. 
  
 Measurement: 
  
 Missing the Original Item Retrieval deadline *** or more time in a calendar month will create an Occurrence 
  
 Customer maintained log of requests fulfilled after *** hours by Aurum.
Requests fulfilled after *** hours reported by Customer to Aurum for review, validation and tracking. 
  

	7.	POD processing 

  
 Performance Standard 
  

	 	a)	On-time release of Transit Cash Letters to Customer’s courier. In the event that Aurum misses the Transit cash letter release deadline and Customer’s courier has departed
from Aurum, Aurum may, at its option and expense, deliver Items to meet Customer’s deadlines. In such instances, Aurum will not be deemed to have missed the Performance Standard. Missing the Transit Cash Letter deadline one (1) or more time per
end point in a calendar month will create an Occurrence. 

  

	 	b)	Transit cash letters will contain no more than *** cash letter exceptions per one hundred thousand (100,000) Transit Items processed. Multiple exceptions related to a single and
related incident will be counted as one Occurrence. Transit cash letter exceptions refer to free Items or missing Items only. Missing this performance standard *** or more time per month will create an Occurrence. 

  
 Prerequisite 
  
 Proof of Deposit Items are presented in a clean and orderly fashion.

  
 Items are presented in the industry standard format of:

  

	 	•	not greater than *** items per batch and 

  

	 	•	listing for each bundle (Pre-encoded work) 

  

	 	•	Item order matching listing (Pre-encoded work) 

  

	 	•	If multiple amounts, correct amount circled 

  

	 	•	Items are encoded with routing/transit number, account number and proper Tran code 

  

	 	•	Currency must not be included 

  

	 	•	All items oriented in the same direction 

  

	 	•	Single in separate bundles 

  

	 	•	Bank by mail separated 

  
 Proof of Deposit and Pre-encoded Items are delivered to Aurum according to the following schedule; 
  

			
	 Business Days
	  	Business Day
	 Monday – Thursday
	  	Fridays
	 ***% by 17:00
	  	***% by
18:00
	 ***% by 19:00
	  	***% by 20:00

  
 The Pre-encoded Items
MICR reject rate will not exceed ***%. 
  
 Measurement

  
 Monthly Transit Item volume. 
  

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 F - 6 

 SCHEDULE F 
 SERVICE LEVEL STANDARDS 
  

 Cash letter exceptions reported to Aurum for review, validation and tracking. 
  
 Aurum Cash Letter Release Log 
  
 Client log and Cash Letter receipts – Courier and Correspondent Bank(s)

  
 Aurum Courier log and/or Courier maintained log will be
referenced in determining missing of release deadlines reported by Customer. 
  
 The total number of Transit cash letter Items processed by Aurum in a calendar month will be divided by the number of Transit cash letter exceptions to determine the number of Transit cash letter Item exceptions; such
resulting number will not exceed *** per (six thousand six hundred and sixty seven (6,667) Transit cash letter Items processed in a calendar month. 
  

	8.	Proof of Deposit Encoding – Reject Reentry 

  
 Service Description  
  
 See Section II (c) (I) of Schedule A.  
  
 Performance Standard 
  

	 	a)	Aurum will perform MICR amount field encoding on proof Items at a *** percent accuracy rate. Errors that are corrected in time to prevent misposting or are reported to Customer by
Aurum (via passing general ledger ticket to balance the block) will not be considered a Performance Standard Occurrence. 

  

	 	b)	POD items rejected during the capture process will be re-entered via an on-line re-entry system. Reject reentry will be performed on the MICR amount field on POD items.

  

	 	    	Aurum will perform this service at a *** percent accuracy rate. 

  

	 	    	Reject reentry errors that are corrected in time to prevent an misposting or errors that are reported to Customer by Aurum (via passing general ledger ticket to balance the block)
will not be considered a Performance Standard Occurrence. 

  
 Prerequisite 
  
 Proof of
Deposit Items are presented in a clean and orderly fashion. 
  
 Items are presented in the industry standard format of: 
  

	 	•	not greater than *** items per batch and 

  

	 	•	listing for each bundle (Pre-encoded work) 

  

	 	•	Item order matching listing (Pre-encoded work) 

  

	 	•	If multiple amounts, correct amount circled 

  

	 	•	Items are encoded with routing/transit number, account number and proper Tran code 

  

	 	•	Currency must not be included 

  

	 	•	All items oriented in the same direction 

  

	 	•	Single in separate bundles 

  

	 	•	Bank by mail separated 

  
 Proof of Deposit and Pre-encoded Items are delivered to Aurum according to the following schedule: 
  

			
	 Business Days
	  	Business Day
	 Monday – Thursday
	  	Fridays
	 ***% by 17:00
	  	***% by 18:00
	 ***% by 19:00
	  	***% by 20:00

  
 The Pre-encoded Items
MICR reject rate will not exceed ***%. 
  

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 F - 7 

 SCHEDULE F 
 SERVICE LEVEL STANDARDS 
  

 Measurement 
  
 Monthly Proof Item volume. 
  
 Customer maintained log of MICR amount field encoding errors. 
  
 Encoding errors reported to Aurum for review, validation and tracking. 
  
 Inclearing reject (amount and account number) volume based on information obtained from system-generated reports.

  
 Customer maintained log of MICR reject reentry amount and
account number errors according to source Reject reentry errors to be reported by Customer to Aurum for review, validation and tracking. 
  
 The total number of POD amount field-encoding errors occurring in a calendar month and reported by the Client will be divided by the total number of POD
items processed by Aurum in the same month to determine accuracy rate. An amount field encoding error that affects both Items in a single Item transaction will be considered *** encoding error. 
  
 The total number of Inclearing item reject reentry errors occurring in a
calendar month and reported by The Client will be divided by the total number of Inclearing items rejected and reentered by Aurum in the same month to determine accuracy rate. 
  

	9.	Inclearings - Proof of Deposit Item MICR Reject Reentry 

  
 Service Description 
  
 See Section II (a) (i) – Section II (c) (viii) of Schedule A. 
  
 Prerequisite 
  
 Inclearings Items are presented in a clean and orderly fashion: 
  
 Inclearing items are presented in the industry standard format of:

  

	 	•	Item order matching listing 

  

	 	•	Items are encoded with routing/transit number, account number and proper transaction code 

  

	 	•	All items oriented in the same direction 

  
 Inclearing Items are delivered to Aurum according to the following schedule: 
  
 Inclearings
 Business Days 
 Monday-Friday 
  
 ***% of SDS by 08:00 am ***% of Direct by 15:00 
  
 Daily Inclearing items MICR reject rate will not exceed 1.5% of total Cash Letter Items . 
  
 Performance Standard 
  
 Inclearings rejected during the capture process will be re-entered via an
on-line re-entry system. Reject reentry will be performed on the MICR amount field and Account Number on inclearing items. Aurum will perform this service at a *** percent accuracy rate. Reject reentry errors that are corrected in time to prevent an
misposting or errors that are reported to Customer by Aurum (via passing general ledger ticket to balance the block) will not be considered a Performance Standard Occurrence. 
  

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 F - 8 

 SCHEDULE F 
 SERVICE LEVEL STANDARDS 
  

 Measurement 
  
 Inclearing reject (amount and account number) volume based on information obtained from system-generated reports.

  
 Customer maintained log of MICR reject reentry amount and
account number errors according to source Reject reentry errors to be reported by Customer to Aurum for review, validation and tracking. 
  
 The total number of Inclearing item reject reentry errors occurring in a calendar month and reported by The Client will be divided by the total number of
Inclearing items rejected and reentered by Aurum in the same month to determine accuracy rate. 
  

	10.	Outgoing Return Item Processing and Large Item Notification 

  
 Performance Standards  
  
 This Performance Standard consists of three (3) parts: 
  

	 	1.	On-time release of Return Item cash letters within time frames required by applicable law containing ***% of the applicable items. Missing the Outgoing Return Item deadline more
than *** time in a calendar month will create an Occurrence. 

  

	 	2.	On-time electronic notification dishonored Items of $2,500.00 or more within time frames required by law containing ***% of the applicable Items. Missing the Outgoing Large Item
Notification more than *** time in a calendar month will create an Occurrence. 

  

	 	3.	On-time electronic notification of ACH Return Items within time frames required by law containing ***% of the applicable Items. Missing the ACH Return Items Outgoing Notification
more than *** time in a calendar month will create an Occurrence. 

  
 Prerequisite 
  
 Complete
Return Item file transmission and/or data from Customer’s Data Processing Services Provider has been received by 12:30 p.m. on each Business Day. 
  
 Aurum receipt of ACH return item information from client by 11:30 a.m. on each Business Day. 
  
 Aurum receipt of Signature Review Item disposition information from client
by 2:00 p.m. on each Business Day. 
  
 Aurum receipt of all other
return requests by 2:00 p.m. on each Business Day. 
  
 Measurement 
  
 Aurum transmission log.

  
 Monthly Return Item volume. 
  
 Monthly large item notification volume. 
  
 Customer maintained log of late Return Items volume. 
  
 Customer maintained log of late large item notifications volume.

  
 Customer Maintained log of ACH Returns. 
  
 Customer Maintained log of ACH Return Item Volume. 
  
 Late Return Items reported to Aurum for review, validation and tracking.

  
 Late large Item notifications reported to Aurum for review,
validation and tracking 
  
 The number of late Return Items
processed by Aurum in a calendar month will be divided by the total number of Return Items processed by Aurum to determine the percentage of Return Items processed within required time frames. 
  

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 F - 9 

 SCHEDULE F 
 SERVICE LEVEL STANDARDS 
  

 The number of late large Item notifications processed by Aurum in a calendar month will be divided
by the total number of large Item notifications processed by Aurum to determine the percentage of large Item notifications processed within required time frames. 
  
 The number of late ACH Item notifications processed by Aurum in a calendar month will be divided by the total number of ACH
Item notifications processed by Aurum to determine the percentage of ACH Item notifications processed within required time frames. 
  

	C.)	Certain Exceptions 

  
 Notwithstanding anything contrary in this Agreement or the Schedules, Aurum will not be responsible for, and may exclude from the calculation of compliance with the
Performance Standard, any failure to meet a Performance Standard if, during, and to the extent that such failure is related to or caused by (i) any matter constituting force majeure, as provided in Section 8.3 of this Agreement, (ii) Customer’s
failure to perform its obligations under this Agreement where such failure was the proximate cause of the failure to meet the Performance Standard, (iii) special production jobs, testing procedures or other services which are given priority at the
request of the Customer, (iv) any significant increase in processing volumes or business resulting from the acquisition or indirectly, of assets or stock of a financial institution by Customer, whether by merger or otherwise, (in each case during a
reasonable transition period to be agreed upon by Aurum and Customer in good faith), (v) significant unforeseen increases in processing volumes or business or any significant change in the nature or scope of Services provided under this Agreement
(in each case during a reasonable transition period to be agreed upon by Aurum and Customer in good faith), (vi) any significant change in the manner in which Customer conducts its business (in each case during a reasonable transition period to be
agreed upon by Aurum and Customer in good faith). Multiple Occurrences on consecutive Business Days for the same Performance Standard which result from the same or proximate cause will be considered a single Occurrence. An incident which results in
missing multiple Performance Standards will be considered a single Performance Standard Occurrence which will be categorized (for tracking purposes) based on how Customer reports the failure to Aurum. 
  

	D.)	Remedy for Occurrences – Data Processing and Item Processing Service Levels 

  
 Aurum Merit and Demerit Points: 
  
 One (1) demerit point will be earned when the customer meets the prerequisites for a performance standard and Aurum has a
performance standard occurrence. Customer will, when reasonably possible, report demerit points to Aurum within *** hours of the Performance Standard Occurrence. 
  
 One (1) Merit Points will be earned when Aurum meets performance standards. Aurum will, when reasonably possible, report
merit points to Customer within *** hours of when they are earned. 
  
 Points for Demerits and Merits will be tracked and reported by Aurum to Customer on a monthly basis. Customer will validate this data with their records. Merit points earned can be used to offset demerit points earned. Merit points in
excess of demerit points can be carried forward to offset future demerit points. 
  

	 	1.	Monetary Value of Merit and Demerit Points: 

  
 Each Merit and/or Demerit point will carry a monetary value of $***. 
  

	 	2.	Application of Monetary Compensation 

  
 Monetary compensation to Aurum and/or Client will be made on a Quarterly basis. All demerits reported within the previous *** will be subtracted from all
merits earned by Aurum in the previous *** to calculate the semi-annual merit/demerit count. Customer will receive credit on their next months services should demerits outnumber merits. Aurum will apply a debit adjustment on the next months billing
should merits outnumber demerits. 
  

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 F - 10 

 ADDENDUM 
 NUMBER TWO 
  
 THIS ADDENDUM NUMBER TWO
(“Addendum”) to the AGREEMENT FOR INFORMATION TECHNOLOGY SERVICES between Aurum Technology Inc. (“Aurum”) and California Community Bancshares, Inc. and its current and future subsidiaries and Affiliates, Sacramento Commercial
Bank, The Bank of Orange County and Placer Sierra Bank (collectively “Customer”), dated of even date herewith, as amended or modified (the “Agreement”), is between Customer and Aurum. 
  
 The parties agree to amend the Agreement as follows: 
  

	1.	(a) Section 1.1(m) of the Agreement is amended to read as follows: 

  
 “Operational Date” is the last Item Processing Services Operational Date to occur among Sacramento Commercial Bank and Placer Sierra Bank.

  
 (b) Section 1.1(q) of the Agreement is amended to read as
follows: 
  
 “Service” or “Services” are all
of the services to be provided by Aurum under this Agreement, which include the Basic Services, Transition Services, Optional Services, Conversion Services, and Additional Services. 
  

	2.	New Sections l.l(s), 1.1(t), l.l(u), 1.1(v), l.l(w) and l.l(x) are added to the Agreement to read as follows: 

  
 (s) “Affiliates” shall mean, with respect to any entity, any other
entity which owns, is owned by or is under common ownership with such entity. For the purpose of the preceding sentence, “own” and its derivatives will mean, with regard to any entity, the legal, beneficial, or equitable ownership,
directly or indirectly, of fifty percent (50%) or more of the capital stock (or other ownership interest, if not a corporation) of such entity ordinarily having voting rights. 
  
 (t) “Data Processing Services Operational Date” is the day on which any Conversion Services are completed for a
particular Customer bank and that bank has the capability to input transactions or data for processing by Aurum. The Data Processing Services Operational Date for Sacramento Commercial Bank and Placer Sierra Bank may be different dates. 

 
 (u) “Existing Customer System” shall mean the Systems owned and
utilized by Customer as of the Effective Date to provide data processing and item processing for itself and which will be provided by Customer for Aurum’s use in providing the Services. 
  

 Page 1 of 12 

 (v) “Implementation Date” is the date on which Aurum begins processing a Customer bank’s
data and Items on the Existing Customer System. The Implementation Date for Sacramento Commercial Bank and Placer Sierra Bank may be different dates. 
  
 (w) “Item Processing Services Operational Date” is the day on which any Conversion Services are completed for a particular Customer bank and
that bank has the capability to process Items utilizing the image platform provided by Aurum. The Item Processing Services Operational Date for Sacramento Commercial Bank and Placer Sierra Bank may be different dates. 
  
 (x) “Transition Services” shall mean the services described in
Section 3.1(e). 
  

	3.	The second sentence of Section 2.1 of the Agreement is amended in its entirety to read as follows: 

  
 Thereafter, the Agreement will automatically renew for successive terms of *** years each (“Renewal Terms”) unless
either party gives the other party written notice at least *** months prior to the expiration date of the Initial Term or Renewal Term then in effect that the Agreement will not be renewed beyond such term. 
  

	4.	New Section 3.1(e) is added to the Agreement to read as follows: 

  
 Transition Services. 
  

	 	(a)	The Bank of Orange County. There will be no Transition Services with respect to The Bank of Orange County. As of the Effective Date, Aurum will provide the Basic Services for
The Bank of Orange County. 

  

	 	(b)	Sacramento Commercial Bank. As of the Effective Date, Aurum will continue to provide the data processing portion of the Basic Services for the Sacramento Commercial Bank.
During the period from the Effective Date to the Implementation Date (“Transition Period”), Customer will continue to operate the item processing for Sacramento Commercial Bank under its normal and customary practices, policies and
procedures which exist as of the Effective Date. As of the Implementation Date, Aurum will also provide the item processing portion of the Basic Services for the Sacramento Commercial Bank utilizing Existing Customer Systems. After the Item
Processing Services Operational Date, Aurum will provide the Basic Services for the Sacramento Commercial Bank. 

  

	 	(c)	Placer Sierra Bank. During Transition Period, Customer will continue to operate the data processing and item processing for Placer Sierra Bank under its normal and customary
practices, policies and procedures which exist as of the Effective Date. As of the Implementation Date, Customer will provide data processing for Placer Sierra Bank and Aurum will provide item processing for Placer Sierra Bank utilizing Existing
Customer Systems. After the Item Processing Services Operational Date, Aurum will 

  

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 Page 2 of 12 

	 	 
provide the Item Processing Services portion of the Basic Services for Placer Sierra Bank; and after the Data Processing Services Operational Date, Aurum
will provide the data processing services portion of the Basic Services for Placer Sierra Bank. 

  

	 	(d)	During the Transition Period, Aurum employees shall have reasonable access to Customer’s sites in Auburn and Sacramento, California for the purpose of observing the
Customer’s operations and taking all reasonable measures to facilitate the transfer of data processing and item processing service to Aurum. Customer agrees to provide all reasonable assistance to Aurum in the planning and execution of such
measures. Without limitation, during the Transition Period, the parties will accomplish the following: 

  

	 	(i)	the transition of employees as provided for in Article X; 

  

	 	(ii)	the selection and purchase, at fair market value, by Aurum of Equipment owned by Customer (“Customer Provided Equipment”); 

  

	 	(iii)	the selection and assignment to Aurum of software licenses, software maintenance agreements and hardware maintenance agreements by Customer; 

  

	 	(iv)	the selection and provision of facilities in accordance with Section 4.8; 

  

	 	(v)	the assignment to Aurum of other third party agreements utilized by Customer in performing data and item processing; 

  

	 	(vi)	the identification and further definition of the scope of services, tasks, responsibilities and functions which will be performed by Aurum under this Agreement and those which will
be retained by the Customer; 

  

	 	(vii)	the drafting of a mutually agreed transition plan. 

  

	 	(e)	The parties shall cooperate in arranging for an orderly, effective transition of operational control of the Existing Customer System. In addition, Aurum and Customer will develop a
comprehensive project plan for the orderly conversion of Customer’s Data Processing and Item Processing from the Existing Customer System to the Aurum System. 

  

	5.	The first sentence of Section 3.2(a) of the Agreement is amended to read as follows: 

  
 Beginning on the Data Processing Services Operational Date, operate the Aurum Systems at the Data Center, and accept data
and other input from Customer. 
  

	6.	The first sentence of Section 3.2(c) of the Agreement is amended to read as follows: 

  
 Provide for Customer’s use one copy of Aurum’s standard user documentation and one copy of any revisions in
computer readable form describing the preparation of input for and use of output from the Aurum Systems. 
  

 Page 3 of 12 

	7.	Section 3.2 (f) is amended in its entirety to read as follows: 

  
 Aurum will establish, modify or substitute from time to time any equipment, processing priorities, programs or procedures used in the operation of the
Aurum Systems or the provision of the Services that Aurum reasonably deems necessary, and provide commercially reasonable advance notice to Customer of any such changes that will affect Customer’s operations. It is the parties’ intent that
this provision allows Aurum to exercise reasonable operational control to provide the Services, and it is not the parties’ intent that this provision allows Aurum to arbitrarily make unreasonable changes which would substantially and
unreasonably increase Customer’s costs or materially and unreasonably diminish the Services. 
  

	8.	Section 3.5 of the Agreement is amended in its entirety to read as follows: 

  

Annual Report and EDP Audit. Aurum agrees to provide the Customer with a current audited financial statement and a copy of its most recent
annual report upon request. Upon request, Aurum will also provide to Customer one copy of Aurum’s most recent independent Data Center EDP audit, at Aurum’s then standard charge for such copy. The independent Data Center EDP audit will be
conducted with a frequency and in a manner that is consistent with applicable guidelines issued for the banking industry by federal banking regulators. 
  

	9.	New Section 3.7 is added to the Agreement to read as follows: 

  
 Aurum and its employees, when in or upon Customer’s premises, shall obey all rules and regulations reasonably established by Customer, and which are
reasonably communicated to Aurum in advance, regarding the conduct of Customer’s own employees and any additional rules and regulations reasonably established by Customer for non-employees, including without limitation, security rules and
regulations. 
  

	10.	New Section 4.8 is added to the Agreement to read as follows: 

  
 Office Space and Accommodations. Customer agrees to provide Aurum with adequate premises, in good repair, at Customer’s facility located at
Auburn California to perform Aurum’s responsibilities under this Agreement (the “Data Center”). The monthly charge payable by Aurum for the Data Center will be the lesser of (i) the Customer’s internal allocated cost for such
space determined as of the Effective Date or (ii) the fair market lease rate for comparable space terms and duration in Auburn market determined as of the Effective Date. Without limiting the generality of the foregoing, Customer agrees to supply
water, sewer, heat, lights, telephone lines and equipment, air conditioning, electricity (including, if desired by Aurum, an uninterruptable power system, battery backup and backup generator capacity), daily janitorial services, office equipment and
furniture, and parking spaces for Aurum employees under the same conditions as provided to employees of Customer. Aurum shall provide annual estimates to Customer of Aurum’s Data Center requirements. Aurum is not responsible for any injury or
damage to property or persons which occurs in or around the Data Center unless it is caused by the acts of Aurum. Customer will provide telephone instruments and telephone service for Aurum, without any charge or cost, to operate the Data Center and
provide the Services hereunder to Customer. 
  

 Page 4 of 12 

 Aurum agrees to abide by Customer’s safety, security and facility policies and procedures generally
applicable to all Customer employees. In the event Customer desires to move the Data Center after the Effective Date, whether such move is internal within Customer or external, Customer shall provide Aurum notice of such move as soon as reasonably
practicable and Customer shall reimburse Aurum for any one time and recurring cost incurred by Aurum resulting from such move. 
  

	11.	New Section 4.9 is added to the Agreement to read as follows: 

  
 Cooperation. Customer, at Customer’s expense, shall be required to obtain all consents required (if any) to permit the transfer to Aurum of
the right to use any Existing Customer Systems. Upon Customer’s request, Aurum shall assist Customer in obtaining such consents. Once each such consent has been obtained, Customer shall provide a copy of it to Aurum. Until such time as the
consents have been obtained by Customer, any right to use the affected portion of the Existing Customer System shall not be deemed to have been transferred to Aurum, and the parties shall cooperate with each other in achieving a reasonable
alternative arrangement for the use of the affected portion of the Existing Customer System. 
  

	12.	Section 5.2 (b) of the Agreement is amended in its entirety to read as follows: 

  
 All reasonable actual out of pocket costs and expenses, including, without limitation, travel and travel related expenses,
which are incurred by Aurum, with the prior written consent of Customer, in providing Services pursuant to this Agreement. 
  

	13.	The last sentence is Section 5.3 is deleted in its entirety. 

  

	14.	Section 5.4 of the Agreement is amended to add the following sentence at the end of Section 5.4: 

  
 Provided, however, the provisions of this Section 5.4 will not apply to the services charges set forth in Sections I (A) (i)
and (ii) of Schedule C. 
  

	15.	Section 6.5(b) of the Agreement is amended to add the following sentence at the end of Section 6.5(b): 

  
 The Customer Plan will include provisions for the Customer to provide and be responsible for all contingency planning and
execution of the Customer Plan for the Existing Customer Systems from the Effective Date through a date which is at least thirty (30) days after the Operational Date. 
  

	16.	The reference to three months in the second sentence of Section 8.1 of the Agreement is hereby amended to six months. 

  

 Page 5 of 12 

	17.	Section 8.2 of the Agreement is amended to read as follows: 

  
 Warranty. AURUM will provide the Services in a professional and workmanlike manner. EXCEPT AS EXPRESSLY PROVIDED IN THIS SECTION 8.2, AURUM
DISCLAIMS ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, IN FACT BY STATUTE OR BY OPERATION OF LAW OR OTHERWISE, CONTAINED IN OR DERIVED FROM THIS AGREEMENT, ANY OF THE SCHEDULES ATTACHED HERETO, ANY OTHER DOCUMENTS REFERENCED HEREIN, OR IN ANY OTHER
MATERIALS, PRESENTATIONS OR OTHER DOCUMENTS OR COMMUNICATIONS WHETHER ORAL OR WRITTEN, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY OF INFORMATIONAL CONTENT AND SYSTEM
INTEGRATION. 
  

	18.	New Section 8.6 is added to the Agreement to read as follows: 

  
 Intellectual Property Indemnity. Aurum and Customer each will indemnify, defend and hold harmless the other from any and all claims,
actions, damages, liabilities, costs and expenses, including without limitation reasonable attorney’s fees and expenses, arising out of any claims of infringement by the indemnitor of any United States letters patent, any trade secret, or any
copyright, trademark, service mark, trade name or similar proprietary rights conferred by common law or by any law of the United States or any state alleged to have occurred because of Systems provided or work performed by the indemnitor. However,
this indemnity will not apply unless the indemnitee informs the indemnitor as soon as practicable of any claim or action alleging such infringement and has given the indemnitor full opportunity to control the response thereto and the defense
thereof, including, without limitation, any agreement relating to settlement. 
  

	19.	New Section 8.7 is added to the Agreement to read as follows: 

  
 A schedule of Aurum’s current insurance coverage will be furnished to Customer prior to the Implementation Date. 
  

	20.	New Section 8.8 is added to the Agreement to read as follows:  

  
 Customer Warranties. Customer hereby represents and warrants to Aurum: 
  

	 	(a)	 There is no action, suit, proceeding or investigation pending or, to the best knowledge of Customer, threatened against Customer which, either individually or in
the aggregate, would result in any material adverse change in the business, operations, financial condition, properties or assets of Customer, or in any material impairment of the right or ability of Customer to carry on its business substantially
as now conducted or which would draw into question the validity of this Agreement or of any action taken or to be taken in connection with the obligations of Customer 

  

 Page 6 of 12 

	 	contemplated	herein, or which would materially impair the ability of Customer to perform under the terms of this Agreement. 

  

	 	(b)	Customer is not a party to or subject to any collective bargaining agreement, its employees are not represented by or claimed to be represented by any labor union or labor
organization, and there is no unfair labor practice complaint, or other employee claim pending or to the knowledge of Customer, threatened against it before any federal or state court, agency or board or tribunal or governmental entity.

  

	 	(c)	There has been no change in any salary or benefits of any Employee Offeree from the time such salary and benefit information was provided to Aurum up to and through the Effective
Date and that all such information is true, accurate and complete. 

  

	21.	New Article X is added to the Agreement to read as follows: 

  
 ARTICLE X – TRANSITION OF EMPLOYEES 
  

	 	10.1.	Transition of Employees. Within thirty (30) days of the Effective Date, Aurum will extend offer letters of at-will employment to be effective as of the Implementation Date,
to those Customer employees listed in Schedule H (each, an “Employee Offeree”) in accordance with Aurum’s normal employment policies, subject to the allowances and provisions set forth in this Article. Aurum’s offer letter to the
Employee Offerees shall not be construed as a promise or commitment of continuing employment. Each Employee Offeree who accepts Aurum’s offer of employment pursuant to Aurum’s normal employment policies and this Article will become, on the
Implementation Date, an Aurum employee (each, a “Transitioned Employee”) and will be eligible to participate in all employee benefit plans or employment policies and programs available to similarly situated Aurum employees.

  

	 	10.2.	Past Service Credits. For purposes of vesting and participation only, and not for benefit accrual, in any “employee benefit plan” (as such term is defined in
Section 3(3) of the Employee Retirement Income Security Act of 1974, as amended) maintained by Aurum, Aurum will recognize and give past service credit for all service earned by each Transitioned Employee while an employee of Customer. Such past
service credit will be established entirely on the information as recorded by Customer and promptly communicated to Aurum, and Aurum will not be responsible to audit, validate or confirm the accuracy of any such information.

  

	 	10.3.	Customer Cooperation. Customer will cooperate with Aurum in connection with the making by Aurum of the offers of at-will employment contemplated by this Section and the
distribution of employment information to the Employee Offerees. Customer will, upon written authorization from the Employee Offeree, provide all necessary or appropriate employee data or benefits information in its custody regarding such

  

 Page 7 of 12 

	 	Employee	Offeree. Customer will not make any representation, promise or other communication, whether written or oral, to the Employee Offerees regarding employment with Aurum or the
employment benefits, plans or other communication, whether written or oral, to the Employee Offerees regarding employment with Aurum or the employment benefits, plans or practices of Aurum without obtaining the prior written consent of Aurum.
Customer further agrees to furnish, upon written authorization from the Employee Offeree, all information pertaining to any and all Employee Offerees’ employment and benefits as may reasonably be requested by Aurum. As of the Effective Date
Customer will give notice of termination to the Employee Offerees to be effective as of the Implementation Date and Customer will not attempt to internally or externally place any Employee Offeree after the Effective Date without the written
permission of Aurum. 

  

	 	10.4.	Customer U.S. Employees. All provisions of this Section pertain only to Customer employees who are citizens of the United States or who are otherwise qualified to work in the
United States and who will be on the Aurum United States payroll. 

  

	 	10.5.	Transfer of Benefits. Prior to the Implementation Date, the parties will mutually agree to the disposition of the Transferred Employees’ account balances under the
401(k) plan maintained by Customer, in accordance with Internal Revenue Code Section 401(k) and the parties’ 401(k) plans. 

  

	 	10.6.	Eligibility. Provisions relating to specific employee benefit plans or programs apply only to Transitioned Employees to the extent that they satisfy the eligibility
requirements of any such plan or program. 

  

	 	10.7.	Liabilities for Benefit Claims. Customer, or the appropriate employee benefit plan or insurer of Customer, will be liable for all employee welfare benefit plan claims of
Transitioned Employees incurred through the Implementation Date. Aurum will be liable for any employee pension benefit claims for benefits which have been properly transferred to any Aurum pension benefit plan from any Customer pension benefit plan
in conjunction with the transfer of employment of any Transitioned Employee. Transitioned Employees will experience a qualifying event (as such term is defined under Code Section 4980B). Consequently Customer is responsible to extend continuation
coverage to each Transitioned Employee and otherwise to comply with all notice and other requirements of Code Section 4980B resulting from the Transitioned Employees’ termination of employment with Customer. Customer will be solely liable for
claims by any Employee Offeree for wage, benefits, third party fees, assessments, duties, permits or other similar charges and for unemployment compensation, severance benefits, workers’ compensation and any other employee benefit to which, in
each such case, such Employee Offeree is entitled as a result of such employee’s employment or termination of employment with Customer. 

  

 Page 8 of 12 

	 	10.8.	Employment Acceptance. Within three (3) days after Aurum extends its offer letter to an Employee Offeree, such Employee Offeree shall either accept or reject such offer. If
an Employee Offeree shall fail to accept or reject such offer with such time period, such Employee Offeree will be deemed to have rejected such offer. 

  

	 	10.9.	Salary and Benefits. Each Employee Offeree shall be offered an initial salary and benefits, which when taken as a whole will be comparable to the base salary benefits he or
she receives from Customer immediately prior to the Effective Date. 

  

	 	10.10.	Severance Benefits. Until 120 days after the Conversion Date, Customer shall pay directly or reimburse Aurum for any and all severance costs incurred by Aurum, and indemnify
Aurum from any claims as a result of a termination of any Employee Offeree by Aurum or Customer. 

  

	 	10.11.	WARN Act. In the event Aurum offers employment to the Employee Offerees as provided for in Section 10.1, Customer agrees to indemnify, protect, defend and hold harmless Aurum
from and against any and all claims, liabilities, losses, damages, injuries, demands, actions, causes of action, suits, proceedings, judgments and expenses, including, without limitation, reasonable attorneys’ fees, court costs and reasonable
legal expenses incurred by Aurum under the Worker Adjustment and Retraining Notification Act (“WARN Act”) or any similar applicable state law arising from the failure to provide adequate notice of termination or lay-off of employees, as
required by the WARN Act or any similar applicable state law, prior to the Implementation Date in connection with the consummation of the transactions contemplated by this Agreement. 

  

	 	10.12.	Employment Indemnification. 

  

	 	(a)	Aurum will indemnify, protect, defend and hold harmless Customer from and against any and all claims, liabilities, losses, damages, injuries, demands, actions, cause of action,
suits, proceedings, judgments and expenses, including, without limitation, reasonable attorneys’ fees, court costs and other reasonable legal expenses (collectively, “Claims”)(except where expressly provided otherwise in this
Agreement, for example Section 10.11), arising from or connected with any employment claim (including without limitation claims for violation of discrimination, wage or tax laws) asserted by an Employee Offeree or Transitioned Employee or by a
jurisdictional governmental body with respect to an Employee Offeree or Transitioned Employee and arising from events occurring after the Implementation Date. 

  

	 	(b)	Customer will indemnify, protect, defend and hold harmless Aurum from any Claims arising from or connected with any employment claim (including without limitation claims for
violation of discrimination, wage or tax laws, or for any wage or benefits payments for which Customer is responsible under applicable law or Customer policies) asserted by an Employee Offeree or Transitioned Employee or by a jurisdictional
governmental body with respect to an Employee Offeree or Transitioned Employee and arising from events occurring on or prior to the Implementation Date. 

  

 Page 9 of 12 

	22.	Section 9.2 of the Agreement is amended to read as follows: 

  
 Hiring of Employees. Except as contemplated in Article X, during the term of this Agreement, and for a period of twelve (12) months thereafter,
neither party will, without the prior written consent of the other, offer employment to or employ any person employed by the other party, if the person was involved in providing or receiving Services. 
  

	23.	Section 9.3 of the Agreement is amended to read as follows: 

  
 Notices. Any notice under this Agreement will be deemed to be given when (i) delivered by hand or when mailed by registered United States mail,
return receipt requested, and (ii) addressed to the recipient party at its address set forth in the first paragraph of this Agreement and to the attention of its President, in the case of Customer, or to the attention of Executive Vice President of
Premier Division, in the case of Aurum. Either party may from time to time change its address for notification purposes, by giving the other prior written notice of the new address and the date upon which it will become effective. 
  

	24.	Section 9.8 of the Agreement is amended to read as follows: 

  
 Entire Agreement. This Agreement, Addendum Number One, Addendum Number Two, all attached Schedules, that certain Agreement for Information Services
between The Bank of Orange County and EDS, dated September 1, 1999 and that certain Agreement for Information Services between Sacramento Commercial Bank and Aurum, dated November 13, 2000 constitute the entire agreement between Aurum and Customer
with respect to the subject matter of this Agreement. As of the Data Processing Services Operational Date for Placer Sierra Bank, the Agreement for Information Services between The Bank of Orange County and EDS, dated September 1, 1999 and the
Agreement for Information Services between Sacramento Commercial Bank and Aurum, dated November 13, 2000 shall terminate and be replaced and superceded by this Agreement for all purposes. There are no understandings or agreements relative to this
Agreement which are not fully expressed herein and no change, waiver, or discharge of this Agreement will be valid unless in writing and executed by the party against whom such change, waiver, or discharge is sought to be enforced. This Agreement
may be amended only by an amendment in writing, signed by the parties. 
  

 Page 10 of 12 

	25.	New Article 9.11 is added to the Agreement to read as follows: 

  
 Third Party Beneficiaries. The provisions of this Agreement are for the benefit of the parties and not for any other person. Should any third party
institute proceedings, this Agreement shall not provide any such person with any remedy, claim, liability, reimbursement, cause of action, or other right. 
  

	26.	Service Level Performance Standards. The parties agree to negotiate in good faith to establish in writing any reasonable modifications to the Service Level Performance
Standards set forth in the Agreement reasonably necessary to conform such standards to the Data Processing and Image Item Processing Services. Such modifications, if any, will not make the standards more burdensome on Aurum than the original
standards; will not lower the standards from the standards which exist as of the Addendum Effective Date, shall be finalized as a written amendment to the Agreement signed by both parties; and both parties agree to use best efforts to finalize such
modifications within sixty (60) days after Image Item Processing Conversion Date. Such standards will be governed in accordance with all applicable terms and conditions of the Agreement and any additional terms and conditions contained in the
amendment. 

  

	27.	Except as expressly amended by this Addendum, the Agreement is ratified, confirmed and remains unchanged in all respects and will be and remain in full force and effect in
accordance with its terms. Capitalized terms used in this Addendum will be as defined in the Agreement unless otherwise expressly defined in this Addendum. 

  

	28.	All references to the Agreement will mean as such Agreement is amended hereby and as each may in the future be amended, restated, supplemented or modified from time to time.

  

	29.	This Addendum supersedes and replaces any prior agreement (written or oral) as to its subject matter. If there is any conflict between the terms and conditions of this Addendum and
the terms and conditions of the Agreement or any prior addendum to this Agreement, the Terms and Conditions of this Addendum shall prevail. 

  

	30.	Three (3) original copies of this Addendum will be executed and submitted to Aurum by Customer. This Addendum will become effective as of the date set forth below when Aurum
executes this Addendum. Aurum will return one of the executed copies to Customer. 

  
 IN WITNESS WHEREOF, the parties have executed this Addendum as of 1-29, 2001. 
  

									
	 CALIFORNIA COMMUNITY BANCSHARES
	 	 	 	 THE BANK OF ORANGE COUNTY

					
	By:	 	/s/    RONALD W. BACHLI        	 	 	 	By:	 	/s/    HARVEY FERGUSON        
	 Printed

 Name:
	 	Ronald Bachli	 	 	 	 Printed

 Name:
	 	Harvey Ferguson
	 Title:
	 	CEO	 	 	 	 Title:
	 	EVP Chief Adm. Officer
	 Date:
	 	 1-5-01
	 	 	 	 Date:
	 	 Jan 2001

  

 Page 11 of 12 

									
	 SACRAMENTO COMMERCIAL BANK
	 	 	 	 PLACER SIERRA BANK

					
	By:	 	/s/    HARVEY FERGUSON        	 	 	 	By:	 	/s/    HARVEY FERGUSON        
	 Printed

 Name:
	 	Harvey Ferguson	 	 	 	 Printed

 Name:
	 	Harvey Ferguson
	 Title:
	 	EVP Chief Adm. Officer	 	 	 	 Title:
	 	EVP Chief Adm. Officer
	 Date:
	 	 Jan 2001
	 	 	 	 Date:
	 	 Jan 2001

  

			
	 AURUM TECHNOLOGY INC.

		
	By:	 	/s/    BRIAN E. VAN
DYK        
	 Printed

 Name:
	 	Brian E. Van Dyk
	 Title:
	 	President, __________ Division
	 Date:
	 	 1/29/2001

  

 Page 12 of 12 

 ADDENDUM 
 NUMBER THREE 
  
 THIS ADDENDUM NUMBER THREE
(“Addendum”) to the AGREEMENT FOR INFORMATION TECHNOLOGY SERVICES between Aurum Technology Inc. (“Aurum”) and California Community Bancshares, Inc. and its current and future subsidiaries and Affiliates, Sacramento Commercial
Bank, The Bank of Orange County and Placer Sierra Bank (collectively “Customer”), dated December 21, 2000, as amended or modified (the “Agreement”), is between Customer and Aurum. 
  
 The parties agree to amend the Agreement as follows: 
  

	1.	Section 3.5 of the Agreement is amended in its entirety to read as follows: 

  

Annual Report and EDP Audit. Aurum agrees to provide the Customer with a current audited financial statement and a copy of its most recent
annual report. Aurum will also provide to Customer one copy of Aurum’s most recent independent Data Center EDP audit, at Aurum’s then standard charge for such copy. The independent Data Center EDP audit will be conducted with a frequency
and in a manner that is consistent with applicable guidelines issued for the banking industry by federal banking regulators. 
  

	2.	Section 7.6(b) of the Agreement is amended in its entirety to read as follows: 

  

	 	(b)	*** percent of the total compensation (excluding compensation for Conversion Services and other similar one-time charges) which would have been paid or reimbursed to Aurum under
this Agreement during the remainder of its term. The amount of total compensation will be computed by multiplying the total number of months remaining in the Initial Term or the Renewal Term then in effect from the effective date of the termination
by the average monthly charge to Customer for Services (excluding charges for Conversion Services and other similar one-time charges) under this Agreement during the twelve calendar months immediately preceding the calendar month in which notice of
termination was given, and multiplying that number by *** percent. This is expressed mathematically as follows: 

  
 (Number of months remaining in term) x ((average monthly charge for Services during the twelve months preceding notice of termination) minus (charges for
Conversion Services and other similar one-time charges during the twelve months preceding notice of termination)) x *** 
  
 If this Agreement has been in effect less than twelve calendar months prior to the giving of the notice of termination, then the parties will compute the
amount due under this subsection (b) using the average monthly charge for Services (excluding charges for Conversion Services and other similar one-time charges) made during such lesser number of calendar months. If termination of this Agreement
occurs prior to the 

	 	

	 	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 24b-2 of the Securities
Exchange Act of 1934, as amended. 

  

 Page 1 of 3 

 
Operational Date, then the parties will compute the amount due under this subsection (b) assuming that the Operational Date had occurred when scheduled by
Aurum and using the average monthly charges reasonably estimated to be paid by Customer. 
  

	3.	Except as expressly amended by this Addendum, the Agreement is ratified, confirmed and remains unchanged in all respects and will be and remain in full force and effect in
accordance with its terms. Capitalized terms used in this Addendum will be as defined in the Agreement unless otherwise expressly defined in this Addendum. 

  

	4.	All references to the Agreement will mean as such Agreement is amended hereby and as each may in the future be amended, restated, supplemented or modified from time to time.

  

	5.	This Addendum supersedes and replaces any prior agreement (written or oral) as to its subject matter. If there is any conflict between the terms and conditions of this Addendum and
the terms and conditions of the Agreement or any prior addendum to this Agreement, the terms and conditions of this Addendum shall prevail. 

  

	6.	Three (3) original copies of this Addendum will be executed and submitted to Aurum by Customer. This Addendum will become effective as of the date set forth below when Aurum
executes this Addendum, Aurum will return one of the executed copies to Customer. 

  
 IN WITNESS WHEREOF, the parties have executed this Addendum as of 1-29, 2001. 
  

									
	 CALIFORNIA COMMUNITY BANCSHARES
	 	 	 	 THE BANK OF ORANGE COUNTY

					
	By:	 	/s/    RONALD W. BACHLI        	 	 	 	By:	 	/s/    HARVEY FERGUSON        
	 Printed

 Name:
	 	Ronald Bachli	 	 	 	 Printed

 Name:
	 	 CCB Harvey Ferguson
 EVP C A __ Officer

	 Title:
	 	CEO	 	 	 	 Title:
	 	EVP Chief Adm. Officer
	 Date:
	 	 1-5-01
	 	 	 	 Date:
	 	 

  
 [An additional signature page follows
this page.] 
  

 Page 2 of 3 

									
	 SACRAMENTO COMMERCIAL BANK
	 	 	 	 PLACER SIERRA BANK

					
	By:	 	/s/    HARVEY FERGUSON        	 	 	 	By:	 	/s/    HARVEY FERGUSON        
	 Printed

 Name:
	 	Harvey Ferguson	 	 	 	 Printed

 Name:
	 	Harvey Ferguson
	 Title:
	 	 	 	 	 	 Title:
	 	 
	 Date:
	 	 	 	 	 	 Date:
	 	 

  

			
	 AURUM TECHNOLOGY INC.

		
	By:	 	/s/    BRIAN E. VAN
DYK        
	 Printed

 Name:
	 	Brian E. Van Dyk
	 Title:
	 	Premier Division President
	 Date:
	 	 01/29/01

  

 Page 3 of 3 

 ADDENDUM NUMBER FOUR 
 ADDITIONAL SERVICES 
  
 THIS ADDENDUM
(“Addendum”) to the Agreement for Information Technology Services (“Agreement”) between Aurum Technology (“AURUM”) and California Community Bancshares, Inc. (“Customer”), dated as of December 21,2000 as
amended, modified or assigned, is between Customer and Aurum Technology (AURUM). Capitalized terms used in this Addendum will be as defined in the Agreement unless otherwise defined in this Addendum. 
  
 WHEREAS, Customer desires that AURUM provide certain Additional Services to Customer as set
forth in this Addendum; 
  
 WHEREAS, AURUM is willing to provide such Additional
Services to Customer; 
  
 NOW, THEREFORE, AURUM and Customer hereby agree to amend
the Agreement to provide for such Additional Services as follows: 
  
 The parties
agree to amend the Agreement as follows: 
  

	 	1.	Pursuant to Section 3.1 (d) of the Agreement, the following Additional Services have been requested by the Customer and will be provided by Aurum. Aurum will provide such services
in accordance with the Addendum and the Agreement and such services will be deemed Additional Services under the Agreement for all purposes. 

  

	 	(a)	Purchase and installation of the following software for Placer Sierra Bank: 

  

	 	    	Image Depot software fifteen (15) concurrent sessions; 75 seats 

  

	 	    	Microsoft NT Server and SQL server software - 75 licenses required 

  

	 	(b)	Placer Sierra Bank access to the Aurum Image Archive Jukebox located in the Sacramento Transaction Center. 

  

	 	(c)	Conversion services for converting Placer Sierra Bank’s item processing to image based processing including: 

  

	 	    	Check Services Conversion - including specification review, development and project management for inclearings, POD, exception pull, cycle sort, one miscellaneous sort pattern, DDA
statement fine-sort. 

  

	 	    	Archive Services - Specification development, testing and installation of archive software and hardware. Establish image archive environment for client at Items/Imaging Center,
install and modify hardware and software at Items/Imaging Center, and develop image archive index and image retention scenario. 

  

	 	(d)	Image Statements - including specification review, development and project management for image statements. Depot Express End user license required for each bank end user receiving
Images on CD. This assumes that statement file from the core processor can be received in an ASCII format. 

  

	 	(e)	Installation and operation of the Debit Card Module for use with the ITI software. 

  

	 	2.	For the provision by Aurum of the Additional Services described in Section 1 of this Addendum, Customer will pay Aurum the amounts set forth below: 

  

			
	 Additional Service

	  	 Fee

	 (a)    Image Depot software
	  	$*** one time fee
	          Microsoft NT Server and SQL server software
	  	 $*** one time fee

	 	  	$*** total of above
		
	 (b)    Monthly charge use of Aurum jukebox
	  	$*** per month
	 (c)    Image Depot Express – End User Software Licenses
	  	$*** per License
	 (d)    Image Conversion services
	  	$*** one time fee
	 (e)    Installation of Debit Card Module
	  	***
	 (f)     Debit Card Module
	  	$*** per month - 0 - 112,000 accounts
	 	  	$*** per month - 112,001 - 136,000 accounts
	 	  	$*** per month - 136,001 - 160,000 accounts

  

	 	3.	Customer will cooperate with Aurum in performance of Item Processing Services and provide to Aurum such data and information, management decisions, regulatory interpretations and
policy guidelines as Aurum reasonably requires. 

  

	 	4.	Except as amended by this Addendum, the Agreement will be and remain in full force and effect in accordance with its terms. Capitalized terms used in this Addendum will be as
defined in the Agreement unless otherwise expressly defined in this addendum. 

  

	 	5.	Four (4) original copies of this Addendum will be executed and submitted to Aurum by Customer. This Addendum will become effective as of the date set forth below when Aurum executes
this Addendum. Aurum will return one of the executed copies to Customer. 

  
 IN WITNESS WHEREOF, the parties have executed this Addendum as of 5.30, 2001 
  

									
	 CUSTOMER
	 	 	 	 AURUM TECHNOLOGY INC.

					
	By:	 	/s/    HARVEY FERGUSON        	 	 	 	By:	 	/s/    BRIAN E. VAN
DYK        
	 Printed
 Name:
	 	Harvey Ferguson	 	 	 	 Printed
 Name:
	 	Brian E. Van Dyk
	 Title:
	 	CCB - Chief Admin Officer	 	 	 	 Title:
	 	President, __________ Division
	 Date:
	 	 5-30-01
	 	 	 	 Date:
	 	 6-12-2001

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 ADDENDUM NUMBER FIVE 
 ADDITIONAL SERVICES 
  
 THIS ADDENDUM
(“Addendum”) to the Agreement for Information Technology Services (“Agreement”) between Aurum Technology (“AURUM”) and California Community Bancshares, Inc. (“Customer”), dated as of December 21,2000 as
amended, modified or assigned, is between Customer and Aurum Technology (AURUM). Capitalized terms used in this Addendum will be as defined in the Agreement unless otherwise defined in this Addendum. 
  
 WHEREAS, Customer desires that AURUM provide certain Additional Services to Customer as set
forth in this Addendum; 
  
 WHEREAS, AURUM is willing to provide such Additional
Services to Customer; 
  
 NOW, THEREFORE, AURUM and Customer hereby agree to amend
the Agreement to provide for such Additional Services as follows: 
  

	1.	Additional Service. In connection with AURUM’s provision of the Additional Services to the Customer, AURUM will install at the AURUM Data Center the ITI Platform
Transfer Interactive Loan Interface to Concentrex (“Loan Interface”). 

  
 AURUM will provide such Additional Service in accordance with this Addendum and the Agreement and such Service will be deemed an Additional Service under the Agreement for all purposes. The term of this Addendum shall
be co-terminus with the Agreement. 
  

	2.	Payments to AURUM. In consideration for the provision by AURUM of the Additional Services set forth above, Customer will pay AURUM the amounts set forth in Exhibit A attached
hereto. Charges for such services will be due and payable in accordance with the terms of the Agreement 

  

	3.	Customer Responsibilities. Customer will (i) license/contract with Concentrex for all required desktop or server software and end-user training; (ii) provide Concentrex with
all required information on Bank loan products, services, and procedures; and (iii) provide all required hardware/software for host connectivity. 

  

	4.	Confirmation of Agreement. Except as amended by this Addendum, the Agreement will be and remain in full force and effect in accordance with its terms.

  

	5.	Execution of Addendum. Four (4) original copies of this Addendum will be executed and submitted to AURUM by Customer. This Addendum will become effective as of the date set
forth below when AURUM executes this Addendum. AURUM will return one of the executed copies to Customer. 

  

 1 

 ADDENDUM NUMBER SIX 
 ADDITIONAL SERVICES 
  
 THIS ADDENDUM
(“Addendum”) to the Agreement for Information Technology Services (“Agreement”) between Aurum Technology Inc. (“AURUM”) and California Community Bancshares, Inc. (“Customer”), dated as of December 21, 2000 as
amended or modified, is between Customer and AURUM. Capitalized terms used in this Addendum will be as defined in the Agreement unless otherwise defined in this Addendum, The terms herein shall supersede any contradictory terms in the Agreement.

  
 WHEREAS, Customer desires that AURUM provide certain Additional Services to
Customer as set forth in this Addendum; and 
  
 WHEREAS, AURUM is willing to
provide such Additional Services to Customer: 
  
 NOW, THEREFORE, AURUM and
Customer hereby agree to amend the Agreement to provide for such Additional Services as follows: 
  

	1.	Additional Services. AURUM will provide to Bank of Orange County, as an Additional Service, Toll Free (800) Service to the Aurum Technology Voice Response Unit
(“800-VRU”). AURUM will provide such Additional Service in accordance with this Addendum and the Agreement and such service will be deemed an Additional Service under the Agreement for all purposes. 

  

	2.	Payments to AURUM. In consideration for the provision by AURUM of the Additional Service set forth above, Customer will pay AURUM the amounts set forth in Exhibit A attached
hereto. Charges for such services will be due and payable in accordance with the terms of the Agreement. 

  

	3.	Customer Responsibilities. Customer will be responsible for supplying and distributing the 800-VRU access number to its customers. 

  

	4.	Confirmation of Agreement. Except as amended by this Addendum, the Agreement will be and remain in full force and effect in accordance with its terms.

  

	5.	Execution of Addendum. Four (4) original copies of this Addendum will be executed and submitted to AURUM by Customer. This Addendum will become effective as of the date set
forth below when AURUM executes this Addendum. AURUM will return one of the executed copies to Customer. 

  

									
	 AURUM TECHNOLOGY INC
	 	 	 	 CUSTOMER

					
	By:	 	/s/    BRIAN E. VAN
DYK        	 	 	 	By:	 	/s/    HARVEY FERGUSON      
	 Printed
 Name:
	 	Brian E. Van Dyk	 	 	 	 Printed
 Name:
	 	Harvey Ferguson
	 Title:
	 	Premier Division President	 	 	 	 Title:
	 	CCB - Chief Admin. officer
	 Date:
	 	 6-12-2001
	 	 	 	 Date:
	 	 5-30-01

  

 1 

 EXHIBIT A 
 SERVICE CHARGES for 800-VRU 
  
 The monthly
fee for the 800-VRU service is based on the number of minutes used while accessing the Aurum Technology Voice Response Unit by means of an Aurum provided 800 circuit. The fee quoted below is the current negotiated Auram 800 service fee and is
subject to change as vendor contracts and rates are negotiated or adjusted. Customer will be provided prior notification of any increase or any rate adjustments. 
  

			
	Description

	 	Service Fee

	One Time Implementation – invoiced in conjunction with signing of the Addendum
		
	800 Circuit Set Up Fee	 	$***
		
	Usage per Month	 	 
		
	$*** per minute	 	 

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 A-1 

 ADDENDUM NUMBER SEVEN 
 ADDITIONAL SERVICES 
  
 THIS ADDENDUM
(“Addendum”) to the Agreement for Information Technology Services (“Agreement”) between Aurum Technology Inc. (“AURUM”) and California Community Bancshares, Inc. (“Customer”), dated as of December 21, 2000 as
amended or modified, is between Customer and AURUM. Capitalized terms used in this Addendum will be as defined in the Agreement unless otherwise defined in this Addendum. The terms herein shall supersede any contradictory terms in the Agreement.

  
 WHEREAS, Customer desires that AURUM provide certain Additional Services to
Customer as set forth in this Addendum; and 
  
 WHEREAS, AURUM is willing to
provide such Additional Services to Customer: 
  
 NOW, THEREFORE, AURUM and
Customer hereby agree to amend the Agreement to provide for such Additional Services as follows: 
  

	1.	Additional Services. AURUM will provide to Placer Sierra Bank, and Bank of Orange County as an Additional Service, PIM client set up on the ITI system, PIM ACH file testing,
and running of ADS900 changes completed by ITI. AURUM will provide such Additional Service in accordance with this Addendum and the Agreement and such service will be deemed an Additional Service under the Agreement for all purposes.

  

	2.	Payments to AURUM. In consideration for the provision by AURUM of the Additional Service set forth above, Customer will pay AURUM the amounts set forth in Exhibit A
attached hereto. Charges for such services will be due and payable in accordance with the terms of the Agreement. 

  

	3.	Customer Responsibilities. Customer will be responsible for completing all necessary PIM input forms and submission of these to Aurum. If testing of the ACH file is
necessary, client will also provide written notification of PIM client testing requirements to Aurum. ADS900 parameters to be reviewed and approved prior to submission to Aurum for further processing and or request to ITI. 

 

	4.	Confirmation of Agreement. Except as amended by this Addendum, the Agreement will be and remain in full force and effect in accordance with its terms.

  

	5.	Execution of Addendum. Four (4) original copies of this Addendum will be executed and submitted to AURUM by Customer. This Addendum will become effective as of the date set
forth below when AURUM executes this Addendum. AURUM will return one of the executed copies to Customer. 

  

									
	 AURUM TECHNOLOGY INC
	 	 	 	 CUSTOMER

					
	By:	 	/s/    BRIAN E. VAN DYK
        	 	 	 	By:	 	/s/    HARVEY FERGUSON        
	 Printed
 Name:
	 	Brian E. Van Dyk	 	 	 	 Printed
 Name:
	 	Harvey Ferguson
	 Title:
	 	Premier Division President	 	 	 	 Title:
	 	SVP-Chief Administrative Officer
California Community Bancshares
	 Date:
	 	 07/16/2001
	 	 	 	 Date:
	 	 06-14-01

  

 1 

 EXHIBIT A 
 PIM CLIENT INPUT ON ITI-PIM ACH FILE TESTING-ADS900 PROGRAM PROCESSING 
  
 The fees outlined below for PIM Client Input, PIM ACH File Testing and ADS900 Program processing are based upon average processing and resource considerations – Should resource utilization exceed those included
in our considerations, Aurum will bill for additional resources at the current Aurum rate. 
  
 Customer will be provided notification of any increase or any rate adjustments. 
  

			
	 Description

	  	Service Fee

	 PIM Specification-Client Review/Changes
	  	$*** per Session
	 PIM New Client Additions
	  	$*** per Client
	 PIM New Client - ACH File Testing
	  	$*** per Client
	 ADS900 Program Processing
	  	$*** per Pass

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 A-1 

 ADDENDUM NUMBER EIGHT 
 ADDITIONAL SERVICES 
  
 THIS ADDENDUM
(“Addendum”) to the Agreement for Information Technology Services (“Agreement”) between Aurum Technology Inc. (“AURUM”) and California Community Bancshares, Inc. (“Customer”), dated as of December 21, 2000 as
amended or modified, is between Customer and AURUM. Capitalized terms used in this Addendum will be as defined in the Agreement unless otherwise defined in this Addendum. The terms herein shall supersede any contradictory terms in the Agreement.

  
 WHEREAS, Customer desires that AURUM provide certain Additional Services to
Customer as set forth in this Addendum; and 
  
 WHEREAS, AURUM is willing to
provide such Additional Services to Customer: 
  
 NOW, THEREFORE, AURUM and
Customer hereby agree to amend the Agreement to provide for such Additional Services as follows: 
  

	1.	Additional Services. AURUM will provide to Placer Sierra Bank, as an Additional Service, sorting of interoffice items between Placer Sierra Bank Offices, sorting of incoming
U.S. Mail and processing of outgoing U.S. Mail. AURUM will provide such Additional Service in accordance with this Addendum and the Agreement and such service will be deemed an Additional Service under the Agreement for all purposes.

  

	2.	Payments to AURUM. In consideration for the provision by AURUM of the Additional Service set forth above, Customer will pay AURUM the amounts set forth in
Exhibit A attached hereto. Charges for such services will be due and payable in accordance with the terms of the Agreement. 

  

	3.	Customer Responsibilities. Customer will be responsible for transportation of all interoffice and U.S. Mail to and from the Sacramento Transaction Center.

  

	4.	Confirmation of Agreement. Except as amended by this Addendum, the Agreement will be and remain in full force and effect in accordance with its terms.

  

	5.	Execution of Addendum. Four (4) original copies of this Addendum will be executed and submitted to AURUM by Customer. This Addendum will become effective as of the date set
forth below when AURUM executes this Addendum. AURUM will return one of the executed copies to Customer. 

  

									
	 AURUM TECHNOLOGY INC
	 	 	 	 CUSTOMER

					
	By:	 	/s/    BRIAN E. VAN DYK
        	 	 	 	By:	 	/s/    HARVEY FERGUSON        
	 Printed
 Name:
	 	Brian E. Van Dyk	 	 	 	 Printed
 Name:
	 	Harvey Ferguson
	 Title:
	 	Premier Division President	 	 	 	 Title:
	 	SVP-Chief Administrative Officer
California Community Bancshares
	 Date:
	 	 7/16/2001
	 	 	 	 Date:
	 	 06/14/01

  

 1 

 EXHIBIT A 
 SORTING OF BRANCH MAIL – PROCESSING OF U.S. MAIL 
  
 The monthly fee for sorting of interoffice items between Placer Sierra Bank Offices, sorting of incoming U.S. Mail and processing of outgoing U.S. Mail, items is based on the number of branches and/or locations.

  
 Customer will be provided prior notification of any increase or any rate
adjustments. 
  

			
	 Description

	  	Service Fee

	 Sorting of Interoffice Mail and Sorting and Processing of U.S. Mail Branch and/or Location Number One
	  	$***
	 Each Additional Branch/Location
	  	$***

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 A-1 

 ADDENDUM NUMBER NINE 
 ADDITIONAL SERVICES 
  
 THIS ADDENDUM
(“Addendum”) to the Agreement for Information Technology Services (“Agreement”) between Aurum Technology Inc. (“AURUM”) and California Community Bancshares, Inc. (“Customer”), dated as of December 21, 2000 as
amended or modified, is between Customer and AURUM. Capitalized terms used in this Addendum will be as defined in the Agreement unless otherwise defined in this Addendum. The terms herein shall supersede any contradictory terms in the Agreement.

  
 WHEREAS, Customer desires that AURUM provide certain Additional Services to
Customer as set forth in this Addendum; and 
  
 WHEREAS, AURUM is willing to
provide such Additional Services to Customer: 
  
 NOW, THEREFORE, AURUM and
Customer hereby agree to amend the Agreement to provide for such Additional Services as follows: 
  

	1.	Additional Services. AURUM will provide to Placer Sierra Bank and Bank of Orange County as an Additional Service, signature verification services. AURUM will provide such
Additional Service in accordance with this Addendum and the Agreement and such service will be deemed an Additional Service under the Agreement for all purposes. 

  

	2.	Payments to AURUM. In consideration for the provision by AURUM of the Additional Service set forth above, Customer will pay AURUM the amounts set forth in Exhibit A attached
hereto. Charges for such services will be due and payable in accordance with the terms of the Agreement. 

  

	3.	Customer Responsibilities. Customer will be responsible for forwarding of all signature cards to the Sacramento Transaction Center, and providing pay/return decisions within
processing time lines. 

  

	4.	Confirmation of Agreement. Except as amended by this Addendum, the Agreement will be and remain in full force and effect in accordance with its terms.

  

	5.	Execution of Addendum. Four (4) original copies of this Addendum will be executed and submitted to AURUM by Customer. This Addendum will become effective as of the date set
forth below when AURUM executes this Addendum. AURUM will return one of the executed copies to Customer. 

  

									
	AURUM TECHNOLOGY INC	 	 	 	CUSTOMER
					
	By:	 	/s/    G. L. FARNAM        	 	 	 	By:	 	/s/    HARVEY FERGUSON        
	 Printed
 Name:
	 	G. L. Farnam	 	 	 	 Printed
 Name:
	 	Harvey Ferguson
	 Title:
	 	Senior Vice President	 	 	 	 Title:
	 	 EVP-Chief Administrative Officer
 California Community Bancshares

	 Date:
	 	8-2-01	 	 	 	 Date:
	 	7-19-01

  

 1 

 EXHIBIT A 
 SORTING OF BRANCH MAIL – PROCESSING OF U.S. MAIL 
  
 The monthly fee for Signature Verification is based upon the number of items reviewed. 
  
 Customer will be provided prior notification of any increase or any rate adjustments. 
  

			
	 Description

	  	Service Fee

	 Signature Verification
	  	*** per item

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 A-1 

 ADDENDUM NUMBER TEN 
 ADDITIONAL SERVICES 
  
 THIS ADDENDUM
(“Addendum”) to the Agreement for Information Technology Services (“Agreement”) between Aurum Technology Inc. (“AURUM”) and California Community Bancshares, Inc. (“Customer”), dated as of December 21, 2000 as
amended or modified, is between Customer and AURUM. Capitalized terms used in this Addendum will be as defined in the Agreement unless otherwise defined in this Addendum. The terms herein shall supersede any contradictory terms in the Agreement.

  
 WHEREAS, Customer desires that AURUM provide certain Additional Services to
Customer as set forth in this Addendum; and 
  
 WHEREAS, AURUM is willing to
provide such Additional Services to Customer: 
  
 NOW, THEREFORE, AURUM and
Customer hereby agree to amend the Agreement to provide for such Additional Services as follows: 
  

	1.	Additional Services. AURUM will provide to Placer Sierra Bank, and Bank of Orange County Image Depot Express software for distribution to bank clients. AURUM will provide
such Additional Service in accordance with this Addendum and the Agreement and such service will be deemed an Additional Service under the Agreement for all purposes. 

  

	2.	Payments to AURUM. In consideration for the provision by AURUM of the Additional Service set forth above, Customer will pay AURUM the amounts set forth in Exhibit A attached
hereto. Image Depot Express charges outlined in Addendum Four were incorrectly stated and are no longer valid. Charges for such services will be due and payable in accordance with the terms of the Agreement. 

  

	3.	Customer Responsibilities. Customer will be responsible for contacting Aurum to arrange for copies of the software. 

  
 4. 
  

	5.	Confirmation of Agreement. Except as amended by this Addendum, the Agreement will be and remain in full force and effect in accordance with its terms.

  

	5.	Execution of Addendum. Four (4) original copies of this Addendum will be executed and submitted to AURUM by Customer. This Addendum will become effective as of the date set
forth below when AURUM executes this Addendum. AURUM will return one of the executed copies to Customer. 

  

									
	 AURUM TECHNOLOGY INC
	 	 	 	 CUSTOMER

					
	By:	 	/s/    G. L. FARNAM        	 	 	 	By:	 	/s/    HARVEY FERGUSON        
	 Printed
 Name:
	 	G. L. Farnam	 	 	 	 Printed
 Name:
	 	Harvey Ferguson
	 Title:
	 	SVP	 	 	 	 Title:
	 	 EVP-Chief Administrative Officer
 California Community Bancshares

	 Date:
	 	8-2-01	 	 	 	 Date:
	 	7-19-01

  

 1 

 EXHIBIT A 
 IMAGE DEPOT EXPRESS SOFTWARE 
  
 The fees
outlined below for Image Depot Express Software are based upon volume at the time of each purchase. Customer will be provided notification of any increase or any rate adjustments. 
  

			
	 Description

	  	Service Fee

		
	 Image Depot Express Software
	  	 
		
	 Purchase of 1-99 Licenses
	  	$*** per copy
		
	 Purchase of 100 licenses or more
	  	$*** per copy

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 A-1 

 ADDENDUM 
 NUMBER ELEVEN 
 TO THE 
 AGREEMENT FOR 
 INFORMATION TECHNOLOGY SERVICES 
  
 THIS ADDENDUM (“Addendum”) to the Agreement for Information Technology Services
(“Agreement”) between Aurum Technology Inc. (“Aurum”) and California Community Bancshares, Inc. and its current and future subsidiaries and Affiliates, Sacramento Commercial Bank, The Bank of Orange County and Placer Sierra Bank
(“Customer”), dated as of December 21, 2000 as amended or modified, is between Customer and Aurum. Capitalized terms used in this Addendum will be as defined in the Agreement unless otherwise defined in this Addendum. The terms herein
shall supersede any contradictory terms in the Agreement. 
  
 WHEREAS, Customer
desires that Aurum purchase certain Unisys data processing equipment from Customer as set forth in this Addendum; and 
  
 WHEREAS, Aurum is willing to purchase such Unisys equipment from Customer: 
  
 NOW, THEREFORE, Aurum and Customer hereby agree to amend the Agreement to provide for such purchase as follows: 
  

	1.	Purchase and Sale of Unisys Equipment. Aurum agrees to purchase from Customer and Customer agrees to sell to Aurum the Unisys equipment more fully described in
Attachment A to this Addendum (“Unisys Equipment”) pursuant to the terms and conditions of this Addendum. Concurrent with the execution of this Addendum, Customer will execute the bill of sale set forth as Attachment B to this Addendum,
thereby immediately transferring title to the Unisys Equipment to Aurum. Furthermore, to the extent Customer has any license to software or other technology which constitutes a portion of the Unisys Equipment or is integrated with the Unisys
Equipment, then Customer hereby transfers and assigns such licenses to Aurum. 

  

	2.	Purchase Price. The purchase price of the Unisys Equipment shall be $*** payable as follows: 

  

	 	(a)	$*** paid in cash as of the execution of this Amendment; and 

  

	 	(b)	$*** per month in the form of a credit against Customer’s monthly invoice for fees for Services under this Agreement for twenty-four months beginning July 2001 and continuing
through June 2003. 

  
 Notwithstanding the
foregoing, in the event (i) the Agreement is terminated, for any reason whatsoever, prior to June 2003, or (ii) Customer or Placer Sierra Bank is acquired or substantially all the assets of Customer or Placer Sierra Bank are sold prior to June 2003,
then Customer will not be entitled to any further payment or credit even though the entire purchase price has not been paid or credited to Customer. Furthermore, the credit set forth 
  

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 1 

 
in subsection (b) above will not be applied to reduce the Minimum Monthly Fee provided for in Section I(a)(v) of Schedule C to the Agreement. 
  

	3.	Warranty of Title. Customer warrants that Aurum will acquire good and clear title to the Unisys Equipment being purchased hereunder, free and clear of any and all liens and
encumbrances, whatsoever. 

  

	4.	Release. Customer expressly waives and releases any claim that it may otherwise have against Aurum or its employees, officers, directors shareholders or agents related to,
pertaining to the Unisys Equipment. By releasing and discharging Aurum from such claims both known and unknown, Customer expressly waives any rights it may have had under California Civil Code Section 1542 which provides as follows: “A general
release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.”

  

	5.	Confirmation of Agreement. Except as amended by this Addendum, the Agreement will be and remain in full force and effect in accordance with its terms.

  

	5.	Execution of Addendum. Four (4) original copies of this Addendum will be executed and submitted to Aurum by Customer. This Addendum will become effective as of the date set
forth below when Aurum executes this Addendum. Aurum will return one of the executed copies to Customer. 

  

									
	 AURUM TECHNOLOGY INC
	 	 	 	 CUSTOMER

					
	By:	 	/s/    BRIAN E. VAN
DYK        	 	 	 	By:	 	/s/    HARVEY FERGUSON        
	 Printed

 Name:
	 	Brian E. Van Dyk	 	 	 	 Printed

 Name:
	 	Harvey Ferguson
					
	 Title:
	 	Premier Division President	 	 	 	 Title:
	 	EVP-Chief Administrative Officer
California Community Bancshares
	 Date:
	 	 Sept 25, 2001
	 	 	 	 Date:
	 	 

  

 2 

 ATTACHMENT A 
 UNISYS EQUIPMENT 
  
 The following is the
description of the Unisys Equipment: 
  

					
	 QTY STYLE

	  	 DESCRIPTION

	  	 
			
	 ClearPath NX5602-32
	  	 	  	 
	 1 NX5602-32
	  	NX5600 Model 32 Server	  	 
	 	  	Dual Processor ClearPath, 384MB, 2-4GB Disks	  	 
	 	  	2-10/100 Ethernet Adapters, 2-12X CD-ROM	  	 
	 	  	2-SCS1W, 2-Q/C Tape Drive	  	 
	 1 NX5602-2X
	  	Companion Kit	  	 
	 1 A1003-MOD
	  	 Remote Support Modem
	  	 
	 1 NX5820-SCP
	  	 System Console
	  	 
	 1 NX5000-1NT
	  	 Connectivity Order
	  	 
	 1 NX5600-HUB
	  	Switching Hub	  	 
	 1 BRM36-02
	  	1.75m Cabinet	  	 
	 1 RM3-DBT
	  	Rack Mount Tray	  	 
	 1 RM3-DB2
	  	Power: 200V Dist. Box	  	 
	 1 CBL2-PDB
	  	Cable: 2 meter PDB 1/F	  	 
	 1 UP95000
	  	6.0 KVA UPS	  	 
	 1 NX5600-RPC
	  	 Redundant Power System
	  	 
	 1 CIM560232-1 cv
	  	Dual Domain IIOM to CIOM Upgrade	  	 
		
	 ASR9000 RAID System – Total GB 46.15 (13 drives x 3.55GB)
	  	 
	 1 ASR9322-G05
	  	Disk: 5X3GB/2XCTRL	  	 
	 1 ASR9029-CAB
	  	CABINET: ASR9000 54” CABINET	  	 
	 1 ASR9000-RMK
	  	KIT: RACK MOUNT KIT	  	 
	 1 ASR9300-G02
	  	DISK: EXPN RCK W/2X3.5GB	  	 
	 1 ASR9020-BLD
	  	INSTL:SHIP AS 2 RK SUBSY	  	 
	 2 CBL 133-20
	  	CABLE: 20 FT SCSI-3 CABLE	  	 
	 6 ASD4102-S2G
	  	DISK:ASR DEV CAGE 3.5GB	  	 
	 7 ASR9000-BDD
	  	ACC:DRIVE SLOT FLR PNL	  	 
	 6 ASR9000-32M
	  	MEM:32MB CACHE EXPN SIM	  	 
	 1 F8445-08
	  	CABLE: 40’ SERIAL ADPT PV2	  	 
	 2 B26-LC
	  	PWR CORD: LINE CORD	  	 
	 2 CA322-SCI
	  	ADPTR: DIFFERENTL SCSI 2W	  	 
	 2 CA322-CMC
	  	 ACC:OP MICROCODE SCSI 2W
	  	 
	 1 02-0459-939
	  	UPR1500 VA 7 min. Rack Mount (1500-PRC)	  	 
	 1 CBL9000-UPS
	  	UPS Interface	  	 

  
 ASR9000 RAID System – Vectra VE17
Disk Controller 
  

 A-1 

					
	 1 D8160-AV
	  	SYS:VE17-8 BASE SYS	  	 
	 1 D7880-AV
	  	ACC:UNISYS DT KIT	  	 
	 1 D8470-AV
	  	KEYBD:KERMIT LOW COST KY	  	 
	 1 D8457-AV
	  	PROC:400MZ CELERON	  	 
	 1 D6502-AV
	  	MEM:64MB SDRAM NON-ECC	  	 
	 1 D6463-AV
	  	DISK:4.3GB IDE ULTRA ATA	  	 
	 1 D8479-AV
	  	DISK:32X IDE CDROM	  	 
	 1 D8473-EAV
	  	O/S:WIN95 FOR VEI 7/8	  	 
	 1 D8478-AV
	  	LAN HW:3COM LAN CARD	  	 
	 1 D8469-AV
	  	O/S:WIN95 RECOVERY CD VE	  	 
	 1 D2832-A
	  	DISPLAY:M500 15” COLOR	  	 
			
	 9 Track Tape Drive
	  	 	  	 
	 	  	 1 4125-ORT
	  	 
	 1 CA312-SCI
	  	ADPTR:DIFFERENTIAL SCS12	  	 
	 1 ADP131-1T3
	  	 ADPTR:SCSI-1 TO SCS1-3
	  	 
	 1 CBL 131-10A
	  	 CABLE: 10’ SCSI 1/0
	  	 
	 1 SDM1000-T50
	  	TERMINATOR	  	 
			
	 38 Track Tape Drive with ACL
	  	 	  	 
	 1 OST5136-1D1
	  	Tape Rack Mount Dive with 1 ACL	  	 
	 1 CA322-SCI
	  	SCSI2-W Channel Adapter	  	 
	 1 CBL 133-20
	  	SCSI Cable 20Ft	  	 
	 1 CA322-CMC
	  	 Microcode SCSI2W
	  	 
			
	 Director NT System
	  	 	  	 
	 1 VX1305-BSE
	  	SVR:BASIC SERVER NT	  	 
	 1 DR200081-Z
	  	 SYS:DUAL PENTIUM II RACK
	  	 
	 1 DR20001-0K1
	  	ACC:DR/2 RACK OP KIT CC: VI	  	 
	 1 CDR1432-SI
	  	 DISK:14-32X SCSI CD-ROM
	  	 
	 1 DR200081-LBN
	  	ACC:DR/2 LABEL FOR NT	  	 
	 1 DSR3500-512
	  	 PROC:500 MHz PENTIUM III
	  	 
	 1 DIM10072-256
	  	MEM:256MB DIM	  	 
	 1 RAD302-PCI
	  	 CTRL:3CHAN RAID W/O MEM
	  	 
	 1 RAD342-MEM
	  	MEM:4M SIM FOR RAD302PCI	  	 
	 1 CAG31-DR2
	  	 ACC:DR/2 DRIVE CAGE
	  	 
	 2 HDS417-C
	  	DISK:4GB SCSI HDD SCA	  	 
	 1 CBL321-SFR
	  	 CABLE:SFR WIDE SCSI CBL
	  	 
	 1 VX1300 FAS
	  	 INSTL:FASCIA NT SERVER
	  	 
	 1 VX1801-CPS
	  	 INSTL:CLEARPATH APPL NT
	  	 
	 1 RAD302-BAT
	  	ACC:CACHE MEM BKUP BATT	  	 
	 1 ADP68501-FTF
	  	ADPTR:68 TO 50 PIN FEMAL	  	 
	 1 DSR3500-512
	  	PROC:500 MHz PENTIUM III	  	 
	 1 DIM10072-256
	  	 MEM:256MB DIM
	  	 

  

 A-2 

					
	 1 VX1300-FAS
	  	 INSTL:FASCIA, NT SERVER
	  	 
	 1 VX1301-CPS
	  	 INSTL: CLEARPATH APPL NT
	  	 
	 1 RAD302-BAT
	  	ACC:CACHE MEM BKUP BATT	  	 
	 1 ADP68501-FTF
	  	ADPTR:88 TO 50 PIN FEMAL	  	 
	 1 NXS440-WEU
	  	 NT 4.0 (for 2nd NT
Server)
	  	 
	 1 NXU1305-NT
	  	Correction Components	  	 
	 1 VX4000-CP3
	  	Monitor, Mouse and Keyboard	  	 
	 1 DSR3500-512
	  	Processor: 500 Mhz Pentium III	  	 
	 1 HDS917-W
	  	9 GB 7200 RPM Disk Drive.	  	 

  

 A-4 

 ATTACHMENT B 
  
 BILL OF SALE 
  
 KNOW ALL MEN BY THESE PRESENTS that the undersigned Placer Sierra Bank, an California bank (“Seller”), for and in consideration of the sum of
*** Dollars and other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, has bargained, sold and delivered, and by these presents does bargain, sell and deliver unto Aurum Technology Inc., a Delaware
corporation (“Purchaser”), all of its rights title, and interest in the following property to-wit: 
  

			
	 QTY STYLE

	  	 DESCRIPTION

	 ClearPath NX5602-32

	 1 NX5602-32
	  	NX5600 Model 32 Server
	 	  	Dual Processor ClearPath, 384MB, 2-4GB Disks
	 	  	2-10/100 Ethernet Adapters, 2-12X CD-ROM
	 	  	2-SCS1W, 2-Q/C Tape Drive
	 1 NX5602-2X
	  	Companion Kit
	 1 A1003-MOD
	  	 Remote Support Modem

	 1 NX5820-SCP
	  	 System Console

	 1 NX5000-1NT
	  	 Connectivity Order

	 1 NX5600-HUB
	  	Switching Hub
	 1 BRM36-02
	  	1.75m Cabinet
	 1 RM3-DBT
	  	Rack Mount Tray
	 1 RM3-DB2
	  	Power: 200V Dist. Box
	 1 CBL2-PDB
	  	Cable: 2 meter PDB 1/F
	 1UP95000
	  	6.0 KVA UPS
	 1 NX5600-RPC
	  	 Redundant Power System

	 1 CIM560232-lcv
	  	Dual Domain IIOM to CIOM Upgrade
	
	 ASR9000 RAID System – Total GB 46.15 (13 drives x 3.55GB)

	 1 ASR9322-G05
	  	Disk: 5X3GB/2XCTRL
	 1 ASR9029-CAB
	  	CABINET: ASR9000 54” CABINET
	 1 ASR9000-RMK
	  	KIT: RACK MOUNT KIT
	 1 ASR9300-G02
	  	DISK: EXPN RCK W/2X3.5GB
	 1 ASR9020-BLD
	  	INSTL:SHIP AS 2 RK SUBSY
	 2 CBL 133-20
	  	CABLE: 20 FT SCSI-3 CABLE
	 6 ASD4102-S2G
	  	DISK:ASR DEV CAGE 3.5GB
	 7 ASR9000-BDD
	  	ACC:DRIVE SLOT FLR PNL
	 6 ASR9000-32M
	  	MEM:32MB CACHE EXPN SIM
	 1 F8445-08
	  	CABLE: 40’ SERIAL ADPT PV2
	 2 B26-LC
	  	PWR CORD: LINE CORD

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 B-1 

			
	 2 CA322-SCI
	  	ADPTR: DIFFERENTL SCSI 2W
	 2 CA322-CMC
	  	 ACC:OP MICROCODE SCSI 2W

	 1 02-0459-939
	  	UPR1500 VA 7 min. Rack Mount (1500-PRC)
	 1 CBL9000-UPS
	  	UPS Interface
	
	 ASR9000 RAID System – Vectra VE17 Disk Controller

	 1 D8160-AV
	  	SYS:VE17-8 BASE SYS
	 1 D7880-AV
	  	ACC:UNISYS DT KIT
	 1 D8470-AV
	  	KEYBD:KERMIT LOW COST KY
	 1 D8457-AV
	  	PROC:400MZ CELERON
	 1 D6502-AV
	  	MEM:64MB SDRAM NON-ECC
	 1 D6463-AV
	  	DISK:4.3GB IDE ULTRA ATA
	 1 D8479-AV
	  	DISK:32X IDE CDROM
	 1 D8473-EAV
	  	O/S:WIN95 FOR VEI 7/8
	 1 D8478-AV
	  	LAN HW:3COM LAN CARD
	 1 D8469-AV
	  	O/S:WIN95 RECOVERY CD VE
	 1 D2832-A
	  	DISPLAY:M500 15” COLOR
		
	 9 Track Tape Drive
	  	 
	 	  	 1 4125-ORT

	 1 CA312-SCI
	  	ADPTR:DIFFERENTIAL SCS12
	 1 ADP131-1T3
	  	 ADPTR:SCSI-1 TO SCSI-3

	 1 CBL 131-10A
	  	 CABLE: 10’ SCSI 1/0

	 1 SDM1000-T50
	  	TERMINATOR
	
	 38 Track Tape Drive with ACL

	 1 OST5136-1D1
	  	Tape Rack Mount Dive with 1 ACL
	 1 CA322-SCI
	  	SCSI2-W Channel Adapter
	 1 CBL 133-20
	  	SCSI Cable 20Ft
	 1 CA322-CMC
	  	 Microcode SCSI2W

		
	 Director NT System
	  	 
	 1 VX1305-BSE
	  	SVR:BASIC SERVER NT
	 1 DR200081-Z
	  	 SYS:DUAL PENTIUM II RACK

	 1 DR20001-0K1
	  	ACC:DR/2 RACK OP KIT CC: V1
	 1 CDR1432-SI
	  	 DISK:14-32X SCSI CD-ROM

	 1 DR200081-LBN
	  	ACC:DR/2 LABEL FOR NT
	 1 DSR3500-512
	  	 PROC:500 MHz PENTIUM III

	 1 DIM10072-256
	  	MEM:256MB DIM
	 1 RAD302-PCI
	  	 CTRL:3CHAN RAID W/O MEM

	 1 RAD342-MEM
	  	MEM:4M SIM FOR RAD302PCI
	 1 CAG31-DR2
	  	 ACC:DR/2 DRIVE CAGE

	 2 HDS417-C
	  	DISK:4GB SCSI HDD SCA
	 1 CBL321-SFR
	  	 CABLE:SFR WIDE SCSI CBL

  

 B-2 

			
	 1 VX1300 FAS
	  	 INSTL:FASCIA NT SERVER

	 1 VX1801-CPS
	  	 INSTL:CLEARPATH APPL NT

	 1 RAD302-BAT
	  	ACC:CACHE MEM BKUP BATT
	 1 ADP68501-FTF
	  	ADPTR:68 TO 50 PIN FEMAL
	 1 DSR3500-512
	  	PROC:500 MHz PENTIUM III
	 1 DIM10072-256
	  	 MEM:256MB DIM

	 1 VX4000-CP3
	  	ACC:MONITOR/KEYB/MOUSE
	 1 EVG2100-P
	  	DISPLAY: 15” PERFORM COL
	 1 B25-LC
	  	PWR CORD:LINE CORD CC: LC1-A
	 1 PCK104-SKB
	  	 KEYBD:SPACE SAVER CC:V1

	 1 PWM1-PS2
	  	MOUSE:2 BUTTON MOUSE/PS2
	 2 PCK1-EXT
	  	CABLE:PS2KYB EXTENSION
	 1 SVG100-EXT
	  	 CABLE:SVGA EXTENSION

	 1 NX1305-INT
	  	INSTL:SINGLE CONNECT PKG
	 1 CSB3-PCI
	  	I/F:CS BUS 3 BRIDGE
	 1 ETH1010051-PCI
	  	COMM HW: 10/100 NETWK ADP
	 1 USE1936-LC8
	  	PWR CORD: IEC320Y
	 1 PC1400-1UD
	  	 CTRL:1CHAN ULT SCSI DIFF

	 2 HDS417-W
	  	 4GB Disk Drives

	 1 ALP820-TAD
	  	 TAPE: 8MMTT 4 CART A/L (10 cart Autoloader)

	 1 ADP131-1T3
	  	 ADPTR:SCSI-1 TO SCSI-3

	 1 CBL 131-10A
	  	 CABLE: 10’ SCSI 1/0

	 1 RAD3162-MEM
	  	 MEM: 16M SIM

	 1 NXS-440-WEX
	  	NT 4.0 (Included w/ 1st NT System)
		
	 NT Director Disk
	  	 
	 1 RAD 302-PCI
	  	 CTRL:3CHAN RAID W/O MEM

	 2 RAD3842-MEM
	  	 MEM:64M SIM – RAD302-PCI

	 1 RAD302-BAT
	  	 ACC:CACHE MEM BKUP BATT

	 2 OSM310057-U05
	  	 DISK:SCSI U/W/SE MODULE

	 8 OSD18205-W45
	  	 DISK: 18GB LVD 10K/512

	 2 OSM3000-APM
	  	 UPGRD:ALWAYS POWER MOD

	 2 B25-LC
	  	 PWR CORD: LINE CORD

	 2 OSM1000-PRC
	  	 INSTL:OMB IEC320 PWR CRD

	 2 OSM3000-RMK
	  	 INSTL: USE CAB MOUNTING K

	 2 CBL2210-OSM
	  	 CABLE:EXTNL SCSI 10 FT 68

		
	 Prime NT Server
	  	 
	 1 VX1305-BSU
	  	 Additional Basic Server (with 256 MB Memory)

	 1 DR200081-Z
	  	 SYS: DUAL PENTIUM II RACK

	 1 DR20001-OK1
	  	 ACC: DR/2 RACK OP KIT CC: V1

	 1 CDR1432-SI
	  	 DISK:14-32X SCSI CD-ROM

	 1 DR200081-LBN
	  	 ACC: DR/2 LABEL FOR NT

	 1 DSR3600-512
	  	 PROC: 500 MHz PENTIUM III

  

 B-3 

			
	 1 DIM 10072-256
	  	 MEM: 256MB DIM

	 1 RAD302-PCI
	  	 CTRL: 3CHAN RAID W/O MEM

	 1 RAD342-MEM
	  	 MEM:4M SIM FOR RAD 302PCI

	 1 CAG31-DR2
	  	 ACC:DR/2 DRIVE CAGE

	 2 HDS417-C
	  	 DISK;4GB SCSI HDD SCA

	 1 CBL321-SFR
	  	 CABLE: SFR WIDE SCSI CBL

	 1 VX1300-FAS
	  	 INSTL:FASCIA, NT SERVER

	 1 VX1301-CPS
	  	 INSTL: CLEARPATH APPL NT

	 1 RAD302-BAT
	  	 ACC:CACHE MEM BKUP BATT

	 1 ADP68501-FTF
	  	 ADPTR:88 TO 50 PIN FEMAL

	 1 NXS440-WEU
	  	 NT 4.0 (for 2nd NT Server)

	 1 NXU1305-NT
	  	 Correction Components

	 1 VX4000-CP3
	  	 Monitor, Mouse and Keyboard

	 1 DSR3500-512
	  	 Processor: 500 Mhz Pentium III

	 1 HDS917-W
	  	 9 GB 7200 RPM Disk Drive.

  
 TO HAVE AND TO HOLD
the assets unto Purchaser, its successors and assigns, for its proper use and benefit forever. 
  
 IN WITNESS WHEREOF, Seller has executed this Bill of Sale as of this      day of September 2001. 
  

			
	Placer Sierra Bank
		
	By:	 	/s/    HARVEY FERGUSON      
	 Printed
 Name:
	 	Harvey Ferguson
	Title:	 	EVP/Chief Administrative Officer – California Community Bancshares
	Date:	 	 Sept 6, 2001

  

 B-4 

 ADDENDUM NUMBER TWELVE 
 ADDITIONAL SERVICES 
  
 THIS ADDENDUM
(“Addendum”) to the Agreement for Information Technology Services (“Agreement”) between Aurum Technology Inc. (“AURUM”) and California Community Bancshares, Inc. (“Customer”), dated as of December 21, 2000 as
amended or modified, is between Customer and AURUM. Capitalized terms used in this Addendum will be as defined in the Agreement unless otherwise defined in this Addendum. The terms herein shall supersede any contradictory terms in the Agreement.

  
 WHEREAS, Customer desires that AURUM provide certain Additional Services to
Customer as set forth in this Addendum; and 
  
 WHEREAS, AURUM is willing to
provide such Additional Services to Customer: 
  
 NOW, THEREFORE, AURUM and
Customer hereby agree to amend the Agreement to provide for such Additional Services as follows: 
  

	1.	Additional Services. AURUM will provide to Placer Sierra Bank and Bank of Orange County as an Additional Service, Notice Printing and Rendering. AURUM will provide such
Additional Service in accordance with this Addendum and the Agreement and such service will be deemed an Additional Service under the Agreement for all purposes. 

  

	2.	Payments to AURUM. In consideration for the provision by AURUM of the Additional Service set forth above, Customer will pay AURUM the amounts set forth in Exhibit A attached
hereto. Charges for such services will be due and payable in accordance with the terms of the Agreement. 

  

	3	Confirmation of Agreement. Except as amended by this Addendum, the Agreement will be and remain in full force and effect in accordance with its terms.

  

	4.	Execution of Addendum. Four (4) original copies of this Addendum will be executed and submitted to AURUM by Customer. This Addendum will become effective as of the
date set forth below when AURUM executes this Addendum. AURUM will return one of the executed copies to Customer. 

  

									
	AURUM TECHNOLOGY INC	 	 	 	CUSTOMER
					
	 By:
	 	/s/    G.L. FARNAM        	 	 	 	 By:
	 	/s/    HARVEY FERGUSON        
	Printed
Name:	 	G.L. Farnam	 	 	 	Printed
Name:	 	Harvey Ferguson
	Title:	 	SVP	 	 	 	Title:	 	EVP-Chief Administrative Officer
California Community Bancshares
	Date:	 	 11/6/01
	 	 	 	Date:	 	 10/11/01

  

 1 

 EXHIBIT A 
 NOTICE RENDERING - PRINTING 
  
 The monthly
fee for Notice Rendering and Printing will be based upon the number of notices printed and rendered as follows: 
  
 Customer will be provided prior notification of any increase or any rate adjustments. 
  

			
	 Description

	  	 Service Fee

	 Notice Rendering
	  	*** per Notice
	 Notice Printing
	  	*** per Notice

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 24b-2 of the Securities
Exchange Act of 1934, as amended. 

  

 A-1 

 ADDENDUM NUMBER THIRTEEN 
 ADDITIONAL SERVICES 
  
 THIS ADDENDUM (“Addendum”) to the Agreement for Information Technology Services (“Agreement”) between Aurum Technology Inc. (“AURUM”) and California Community Bancshares, Inc. (“Customer”), dated as
of December 21, 2000 as amended or modified, is between Customer and AURUM. Capitalized terms used in this Addendum will be as defined in the Agreement unless otherwise defined in this Addendum. The terms herein shall supersede any contradictory
terms in the Agreement. 
  
 WHEREAS, Customer desires that AURUM provide certain
Additional Services to Customer as set forth in this Addendum; and 
  
 WHEREAS,
AURUM is willing to provide such Additional Services to Customer: 
  
 NOW,
THEREFORE, AURUM and Customer hereby agree to amend the Agreement to provide for such Additional Services as follows: 
  

	1.	Additional Services. AURUM will provide to Bank of Orange County, as an Additional Service, sorting of interoffice items between Bank of Orange County Offices and retrieval
of items from film. AURUM will provide such Additional Service in accordance with this Addendum and the Agreement and such service will be deemed an Additional Service under the Agreement for all purposes. 

  

	2.	Payments to AURUM. In consideration for the provision by AURUM of the Additional Service set forth above, Customer will pay AURUM the amounts set forth in Exhibit A attached
hereto. Charges for such services will be due and payable in accordance with the terms of the Agreement. 

  

	3.	Customer Responsibilities. Customer will be responsible for transportation of all interoffice items to Aurum. 

  

	4.	Confirmation of Agreement. Except as amended by this Addendum, the Agreement will be and remain in full force and effect in accordance with its terms.

  

	5.	Execution of Addendum. Four (4) original copies of this Addendum will be executed and submitted to AURUM by Customer. This Addendum will become effective as of the date set
forth below when AURUM executes this Addendum. AURUM will return one of the executed copies to Customer. 

  

									
	AURUM TECHNOLOGY INC	 	 	 	CUSTOMER
					
	 By:
	 	/s/    G.L. FARNAM        	 	 	 	 By:
	 	/s/    HARVEY FERGUSON        
	Printed
Name:	 	G.L. Farnam	 	 	 	Printed
Name:	 	Harvey Ferguson
	Title:	 	SVP	 	 	 	Title:	 	EVP-Chief Administrative Officer
California Community Bancshares
	Date:	 	 11-6-01
	 	 	 	Date:	 	 10-11-01

  

 1 

 EXHIBIT A 
 SORTING OF BRANCH MAIL - FILM RETRIVAL 
  
 The monthly fee for film retrieval is based upon number of items retrieved. The sorting of interoffice items between Bank of Orange County Offices, is based on the number of branches and/or locations. 
  
 Customer will be provided prior notification of any increase or any rate adjustments.

  

			
	 Description

	  	 Service Fee

	 Sorting of Interoffice Mail – First Two Branches
	  	$***
	 Each Additional Branch/Location
	  	$***
	 Film Retrieval
	  	$*** Per Item Retrieved

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 A-1 

 ADDENDUM FOURTEEN 
 ADDITIONAL SERVICES 
  
 This ADDENDUM
(“Addendum”) to the Agreement for Information Technology Services (“Agreement”) between AURUM Technology Inc. (“AURUM”) and California Community Bancshares, Inc. (“Customer”), dated as of December 21, 2000, as
amended or modified, is effective from the date it is executed by AURUM and shall remain in effect for the term of the Agreement. Capitalized terms used in this Addendum will be as defined in the Agreement unless otherwise defined in this Addendum.

  
 WHEREAS, Customer desires that AURUM provide certain Additional Services to
Customer as set forth in this Addendum; 
  
 WHEREAS, AURUM is willing to provide
such Additional Services to Customer; 
  
 NOW, THEREFORE, AURUM and Customer
hereby agree to amend the Agreement to provide for such Additional Services as follows: 
  

	 	1.	Additional Services. AURUM will provide to Placer Sierra Bank, as an Additional Service, Premierecorp software installation at the AURUM Data Center . AURUM will
provide such Additional Service as set forth in Schedule A attached hereto, in accordance with this Addendum and the Agreement and such service will be deemed an Additional Service under the Agreement for all purposes. 

  

	 	2.	Payments to AURUM. In consideration for the provision by AURUM of the Additional Service set forth above, Customer will pay AURUM the amounts set forth in Schedule B attached
hereto. Charges for such services will be due and payable in accordance with the terms of the Agreement and Schedule B. 

  

	 	3.	Customer Responsibilities. Customer will (i) be responsible for obtaining access to the Internet through a third party provider; (ii) have a minimum of one Internet access
account to maintain, review, and access the Premierecorp Cash Management system; (iii) be responsible for procuring and licensing, whether for personal or commercial use, the third party Internet browser software, including associated plug-in
applications and support software, required to access and use Premierecorp Cash Management. The minimum requirements for access and use may change from time to time depending on services selected by Customer. AURUM will assist Customer in
determining which browser software applications meet the minimum standards for functionality and security required to access and use Customer’s site; (iv) be responsible for all expenses associated with installation and on-going support of
third party Internet software when requesting integration of such third-party Internet software into the Premierecorp Cash Management system; (v) assume exclusive responsibility for the consequences of any instructions it may give to AURUM
and for Customer’s failure to properly access the Premierecorp Cash Management in the manner prescribed by AURUM; (vi) be responsible for all content entered into Customer’s site, whether entered by AURUM at the direction of the
Customer, or entered directly by Customer personnel via the secure maintenance facilities and tools provided by AURUM; (vii) identify Customer personnel to be trained for Premierecorp set-up and maintenance; (viii) agree that it will use, and
will instruct its customers to use, Premierecorp Cash Management in accordance with such reasonable rules as may be established by AURUM from time to time as set forth in any materials furnished by AURUM to Customer; (ix) assist with all
testing and validation of Premierecorp Cash Management during implementation; (x) be responsible for providing all training to Customer’s customers and for establishing related training or marketing materials; (xi) be responsible for all
Premierecorp customer set up and review; (xii) print and review reports via optical and take appropriate action; (xiii) assist with the development and entry of necessary ITI Premierecorp module and security specifications.

  

	 	4.	 Proprietary Rights. With regard to the Additional Services set forth in Schedule A, each party will retain all rights it possessed prior to the Effective
Date in any ideas, concepts, know-how, developmental tools or techniques or any other proprietary material or information that may be used by such party in connection with the performance of its obligations under this Addendum. Notwithstanding the
foregoing, Customer will own 

  

					
	 Premiercorp
	 	1	 	 

	 	 
the text and graphics associated with Customer’s web page, and AURUM hereby grants Customer a royalty-free, nonexclusive license to use the
“Hypertext Linkage” programming provided by AURUM hereunder to the extent that any AURUM intellectual property is embedded in such programming; provided, however, that Customer shall not disclose to any party, sell, license, assign, lease
or commercially exploit or market in any way, with or without charge, such programming. In the event Customer elects to have AURUM acquire a Domain Name registered in Customer’s name, the acquired Domain Name will become the property of the
Customer upon registration. 

  

	 	5.	Confirmation of Agreement. Except as amended by this Addendum, the Agreement will be and remain in full force and effect in accordance with its terms. The terms and
conditions of this Addendum are applicable solely to Premierecorp Cash Management and are not intended to modify or alter either party’s obligations relating to the other services being provided under the Agreement. The Agreement will
also apply, to the extent appropriate, to the provision of Premierecorp Cash Management; provided that with regard to Premierecorp Cash Management, in the event of any conflict between the Agreement and this Addendum, the terms and conditions
of this Addendum will control. 

  

	 	6.	Execution of Addendum. Four (4) original copies of this Addendum will be executed and submitted to AURUM by Customer. This Addendum will become effective as of the date set
forth below when AURUM executes this Addendum. AURUM will return one of the executed copies to Customer. 

  

									
	AURUM TECHNOLOGY INC.	 	 	 	California Community Bancshares, Inc.
					
	By:	 	/s/    Illegible        	 	 	 	By:	 	/s/    HARVEY FERGUSON        
	 Printed
 Name:
	 	Illegible	 	 	 	 Printed
 Name:
	 	Harvey Ferguson
	 Title:
	 	SVP	 	 	 	 Title:
	 	President
	 Date:
	 	 12-31-01
	 	 	 	 Date:
	 	 12-14-01

  

					
	 Premiercorp
	 	2	 	 

 SCHEDULE A 
 Premierecorp Cash Management 
  
 Scope of Additional Services - Premierecorp Cash Management. AURUM will (i) provide Premierecorp Cash Management to Customer based upon the AURUM Premierecorp Cash Management services ordered or optioned by Customer as
reflected in Schedule B of this Addendum. The specifications for the various services offered by AURUM from time to time will be established by AURUM; (ii) be responsible for storage, telecommunications, operating system maintenance, performance and
security monitoring of Premierecorp Cash Management on an AURUM web server; (iii) provide such upgrades to the AURUM systems used by AURUM in connection with the performance of the Premierecorp Cash Management as AURUM deems necessary
to maintain Premierecorp Cash Management for Customer (iv) use reasonable efforts to ensure that the Premierecorp Cash Management will be available to Customer twenty-four (24) hours a day, seven (7) days a week, subject to scheduled
maintenance, scheduled downtime and causes beyond the control of AURUM; (iv) provide training to Customer’s designated personnel in the set up and maintenance of Premierecorp options. 
  
 Disclaimers and Warranties AURUM (i) will not be responsible for the reliability or
continued availability of third party Internet software when integrated at Customer’s request in the Premierecorp Cash Management; (ii) may, upon receipt of written instructions from any network to which AURUM is providing access
hereunder, including without limitation a network owned and/or operated by AURUM, immediately cease to provide to Customer, including Customer’s customers, access to such network. AURUM will endeavor to promptly notify Customer of such
interruption in network access. Customer will indemnify, defend and hold harmless AURUM from any and all claims, actions, damages, liabilities, costs and expenses, including without limitation reasonable attorneys’ fees and expenses, arising
out of or resulting from AURUM’s compliance with the written instructions of any network; (iii) while AURUM is primarily providing services to Customer under this Agreement, AURUM may from time to time provide certain hardware, software and
other items as an incidental part of its services. With the exception of any manufacturers’ or licensors’ warranties which AURUM is able to obtain, such hardware, software and other items will be provided on an “AS IS” basis
without warranty. In all cases, AURUM will use reasonable care in providing information technology services. AURUM MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING ANY MATTER, INCLUDING THE MERCHANTABILITY, SUITABILITY,
ORIGINALITY, FITNESS FOR A PARTICULAR USE OR PURPOSE, OR RESULTS TO BE DERIVED FROM THE USE, OF ANY INFORMATION TECHNOLOGY SERVICE, SOFTWARE, HARDWARE OR OTHER MATERIALS PROVIDED UNDER THIS AGREEMENT; (iv) is authorized to have access to the
marketing, product and services information provided by Customer and to make use of such content as is appropriate for the performance by AURUM of its obligations under this Addendum, including the ability to change the electronic format of the
marketing, product and services information, without changing the nature of the content itself, to suit the design of the electronic presence determined by AURUM and Customer. Such information will be and remain the property of Customer. 

 
 File Security. AURUM (i) will provide reasonable security provisions to ensure that
third parties do not have access to the Customer data bases, files and other information provided by Customer to AURUM for use with Premierecorp Cash Management. AURUM reserves the right to issue and change regulations and procedures from
time to time. 
  
 Laws and Government Regulations. If AURUM receives
instructions from a governmental agency having authority over the business of Customer instructing AURUM to cease providing any or all of the Premierecorp Cash Management, or if Customer ceases operations, then AURUM may, upon oral or written
notice to Customer, immediately cease providing the affected Premierecorp Cash Management to Customer. Customer will provide all required notices to applicable regulatory authorities concerning the execution or termination of this Schedule,
or of any substantial changes in the Premierecorp Cash Management being provided to Customer hereunder. This Addendum is expressly made subject to any laws, regulations, orders or other restrictions of the United States government regarding
export of technology and Customer shall be responsible for Customer’s compliance therewith. 
  

					
	 Premiercorp
	 	A-1	 	 

 SCHEDULE A 
 Premierecorp Cash Management 
  
 (continued) 
  
 Limitation of Liability;
Indemnification 
  
 AURUM will make every reasonable effort to make
Premierecorp Cash Management available during the hours referred to in “Scope of Additional Services” of this Schedule; provided, however, that AURUM cannot and does not guarantee such availability. Accordingly, AURUM’s sole
liability to Customer or any third party (including customers of Customer) for any claims, notwithstanding the form of such claims (e.g., contract, negligence or otherwise), arising out of delay of or interruption in the Premierecorp
Cash Management provided or to be provided by AURUM hereunder will be to commence or resume the Premierecorp Cash Management as promptly as reasonably practicable. 
  
 Customer agrees to indemnify, defend, and hold AURUM harmless from any and all claims, actions, damages, liabilities, costs and expenses,
including but not limited to reasonable attorneys’ fees and expenses, arising out of, under or in connection with the content of any screens provided by Customer or its Customers, agents, or affiliates. 
  

					
	 Premiercorp
	 	A-2	 	 

 SCHEDULE B 
 Premierecorp Cash Management 
 SERVICE CHARGES 
  
 The monthly Base service fees for Premierecorp Cash Management are based on the number
of Account Records and Premierecorp Cash Management Clients maintained on the System during each month. Monthly service fees will not be prorated for a partial month. An “Account Record” is defined as an end-customer account type
including without limitation, any open or closed DDA/Checking account, DDL account, Savings account, Certificate of Deposit account, Loan accounts or Investor loan accounts, that are maintained on the System during the applicable month. 

 
 One Time Charges 
  
 Set-Up and Installation – Mainframe Software 
 (invoiced in conjunction with signing of the Addendum) 
  
 Set Up Fee 
 $*** 
  
 Application Training 
 Customer will work directly with ITI 
  
 Monthly – begins with completion of the installation 
  
 Monthly Charge 
  

			
	 Account Volume

	  	Base Minimum

	 0 -  112,000
	  	$***
	 0 -  136,000
	  	$***
	 greater than 136,000 Request Quote
	  	 

  
 Per ACH File
Transfer 

			
	 Received from Customer or Customer’s customer
	  	Per Schedule -
Misc. Transmission Rate

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

					
	 Premiercorp
	 	A-3	 	 

 ADDENDUM FIFTEEN 
 ADDITIONAL SERVICES 
  
 This ADDENDUM
(“Addendum”) to the Agreement for Information Technology Services (“Agreement”) between Aurum Technology Inc. (“AURUM”) and California Community Bancshares, Inc. (“Customer”), dated as of December 21, 2000, as
amended or modified, is effective from the date it is executed by AURUM and shall remain in effect for the term of the Agreement. Capitalized terms used in this Addendum will be as defined in the Agreement unless otherwise defined in this Addendum.

  
 WHEREAS, Customer desires that AURUM provide certain Additional Services to
Customer as set forth in this Addendum; 
  
 WHEREAS, AURUM is willing to provide
such Additional Services to Customer; 
  
 NOW, THEREFORE, AURUM and Customer
hereby agree to amend the Agreement to provide for such Additional Services as follows: 
  

	1.	Additional Services. AURUM will provide to Placer Sierra Bank, as Additional Services, the Information Technology, Inc. (ITI) Prime Data Warehouse and Ad Hoc Reporting Module
(“Prime”), including: Application Extracts (templates) as requested and scheduled (see Exhibit B); installation of one (1) Prime Impromptu Administrator workstation; retention of one version of the most current extracts; and initial Prime
report writing training. AURUM will provide such Additional Services in accordance with this Addendum and the Agreement and such services will be deemed Additional Services under the Agreement for all purposes. AURUM agrees to make extract files
available to Customer at the earliest feasible time. Notwithstanding the foregoing, Customer acknowledges that availability of the latest extract file is subject to unforeseen delays due to high processing volumes or production problems, and agrees
that AURUM shall not be liable to Customer for such delays. 

  

	2.	Payments to AURUM. In consideration for the provision by AURUM of the Additional Services set forth above, Customer will pay AURUM the amounts set forth in Exhibit A attached
hereto. Charges for such services will be due and payable in accordance with the terms of this Addendum and the Agreement. 

  

	3.	Customer Responsibilities. Customer will (i) provide all hardware/software necessary to meet ITI minimum requirements for Prime server and workstations and for host
connectivity. Aurum will configure the Prime server and client will purchase the server from Aurum if the server will reside at an Aurum Site; (ii) identify Customer personnel to be trained for Prime who are thoroughly familiar with Microsoft
Windows features and the ITI applications; (iii) license Impromptu Administrator software; (iv) assist with all security specifications necessary for the implementation and testing of Prime; and (v) within sixty (60) days of completion of the
installation, convert existing Selective Management Access Reports (SMART) to Prime and discontinue use of SMART scheduled for the same extract frequency as Prime. 

  

	4.	Confirmation of Agreement. Except as amended by this Addendum, the Agreement will be and remain in full force and effect in accordance with its terms.

  

	5.	Execution of Addendum. Four (4) original copies of this Addendum will be executed and submitted to AURUM by Customer. This Addendum will become effective as of the date set
forth below when AURUM executes this Addendum. AURUM will return one of the executed copies to Customer. 

  

 1 

									
	 AURUM TECHNOLOGY INC
	 	 	 	 California Community Bancshares, Inc.

					
	By:	 	/s/    Illegible        	 	 	 	By:	 	/s/    HARVEY FERGUSON        
	Printed Name:	 	Illegible	 	 	 	 Printed
 Name:
	 	Harvey Ferguson
	Title:	 	SVP	 	 	 	Title:	 	President
	Date:	 	12-31-01	 	 	 	Date:	 	 12-14-01

  

 1 

 EXHIBIT A 
 PRIME EXTRACT 
 SERVICE CHARGES 
  
 The monthly service fee for Prime is based on the maximum number of Account Records maintained on the System during each month. Monthly
service fees will not be prorated for a partial month. An “Account Record” is defined as an end-customer account type including without limitation, any open or closed DDA/Checking account, DDL account, Savings account, Certificate of
Deposit account, Loan account or Investor loan account that are maintained on the System during the applicable month. For purposes of this Additional Service, the Standard Frequency designated as: a Weekly extract after the Friday update and
available on Monday morning, and a Month End extract completed the first weekend following month end and available on the following Monday morning. A Premium Frequency designates a Prime extract at any other time. 
  
 One Time Charges 
  
 Prime Set Up Fees and Installation/Training Charge - Invoiced in
conjunction with signing of the Addendum 
 (Includes 1 Administrator Workstation and up to 2 User Workstations, 1 day of Training)

  

			
	 Set Up Fee
	  	$***
	 Prime Report Writing Training (1 day)
	  	$*** 
	 Additional Training
	  	$***
	 Additional Workstations
	  	$***
	 Additional Templates
	  	$***
		
	 Impromptu Administrator License
	  	 
	 Administrator & Advance Maintenance
	  	$***
	 Sequel User
	  	$***
		
	 Impromptu User License
	  	 
	 User & Advance Maintenance
	  	$***
	 Sequel User
	  	$***

  
 Monthly Prime Server Charge –
Based on Account Volume – begins with completion of the installation 
  

			
	 0 -     7,500
	  	$***
	 0 -   15,000
	  	$***
	 0 -   24,000
	  	$***
	 0 -   36,000
	  	$***
	 0 -   48,000
	  	$***
	 0 -   64,000
	  	$***
	 0 -   88,000
	  	$***
	 0 - 112,000
	  	$***
	 greater than 112,000
	  	  ***

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 A - 1 

 EXHIBIT A 
 PRIME EXTACT 
 SERVICE CHARGES 
  
 Monthly Standard Extract Charge: Weekly (after Friday’s update) - Month End (1st weekend of following
month) 
  

					
	 	  	Weekly

	 	Month End

	 0 -     7,500
	  	$***	 	$***
	 0 -   15,000
	  	$***	 	$***
	 0 -   24,000
	  	$***	 	$***
	 0 -   36,000
	  	$***	 	$***
	 0 -   48,000
	  	$***	 	$***
	 0 -   64,000
	  	$***	 	$***
	 0 -   88,000
	  	$***	 	$***
	 0 - 112,000
	  	$***	 	$***
	 greater than 112,000
	  	 	 	Request Quote

  
 Monthly Premium Extract
Charge: Daily, Weekly (after Mon-Thur. update) - Month End (next day) 
  

							
	 	  	Daily

	 	Weekly

	 	Month End

	 0 -     7,500
	  	$***	 	$***	 	$***
	 0 -   15,000
	  	$***	 	$***	 	$***
	 0 -   24,000
	  	$***	 	$***	 	$***
	 0 -   36,000
	  	$***	 	$***	 	$***
	 0 -   48,000
	  	$***	 	$***	 	$***
	 0 -   64,000
	  	$***	 	$***	 	$***
	 0 -   88,000
	  	$***	 	$***	 	$***
	 0 - 112,000
	  	$***	 	$***	 	$***
	 greater than 112,000
	  	 	 	 	 	Request Quote

  
 Monthly Impromptu Workstation Fee
– per license 
  

			
	 Administrator
	  	$***
	 User
	  	$***

  
 Additional Application Extracts

  

			
	 Per Application – Per Month
	  	$***

  
 SMART Report Usage 

 

			
	 Per each SMART spec scheduled with same Prime Frequency
	  	Outlined in Schedule C

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

 A-2 

 EXHIBIT B 
 PRIME EXTRACT 
  
 Standard Daily Prime
Files 
 6 Applications – 25 Files 
  
 Central Information System 
 CIS Master File

 CIS Addenda File 
 Flex Data 
  
 Demand Deposit Account 

DDA Master File 
 DDA Transaction Overflow 
 DDA Loan Master File 
 DDA Addenda File 
 DDA Tran Description File 
 DDA Analysis History File 
  
 Financial Management System 
 FMS Account Master File 
 FMS Transaction File 
 FMS Transaction Description File 
  
 Savings Accounting System 
 SAV Master File

 SAV Transaction Overflow 
 SAV Addenda File 
 SAV Tran Description File 
  
 Certificate of Deposit System 
 COD Master File 
 COD Transaction Overflow 
 COD Addenda File 
 COD Tran Description File 
  
 Loan Accounting System 
 LAS Line Master File

 LAS Note Master File 
 LAS Addenda File 
 LAS Note Transaction File 
 Student Loan Master File 
  

 B-1 

 EXHIBIT B 
 PRIME EXTRACT 
  

 Standard Weekly Prime Files 
 10 Applications – 37 Files 
  
 Central
Information System 
 CIS Master File 
 CIS Addenda File 
 Flex Data 
  
 Demand Deposit Account 
 DDA Master File 
 DDA Transaction Overflow 
 DDA Loan Master File 
 DDA Addenda File 
 DDA Tran Description File 
 DDA Analysis History File 
  
 Financial Management System 
 FMS Account Master File 
 FMS Transaction File 
 FMS Transaction Description File 
  
 Savings Accounting System 
 SAV Master File

 SAV Transaction Overflow 
 SAV Addenda File 
 SAV Tran Description File 
  
 Certificate of Deposit System 
 COD Master File 
 COD Transaction Overflow 
 COD Addenda File 
 COD Tran Description File 
  
 Loan Accounting System 
 LAS Line Master File

 LAS Note Master File 
 LAS Addenda File 
 LAS Note Transaction File 
 Student Loan Master File 
  
 Bill Payment Module 
 BPM Master File

 BPM Transaction File 
 BPM Checkfree Customer File 
  
 Accounts Payable
System 
 APS Invoice Master File 
 APS Vendor File 
 APS Invoice Expense File 
 APS History File 
  
 Check Reconciliation System 
 CRS Client Master File 
 CRS Check Master File 
  
 Retirement Reporting Module 
 RRM Customer File 
 RRM Plan File 
 RRM Account File 
  

 B-2 

 EXHIBIT B 
 PRIME EXTRACT 
  

 Month End Prime Files 
 20 Applications – 56 Files 
  
 Central Information System

 CIS Master File 
 CIS Addenda File 
 Flex Data 
  
 Demand Deposit Account 
 DDA Master File 
 DDA Transaction Overflow 
 DDA Loan Master File 
 DDA Addenda File 
 DDA Tran Description File 
 DDA Analysis History File 
  
 Savings Accounting System 
 SAV Master File

 SAV Transaction Overflow 
 SAV Addenda File 
 SAV Tran Description File 
  
 Certificate of Deposit System 
 COD Master File 
 COD Transaction Overflow 
 COD Addenda File 
 COD Tran Description File 
  
 Loan Accounting System 
 LAS Line Master File

 LAS Note Master File 
 LAS Addenda File 
 LAS Note Transaction File 
 Student Loan Master File 
  
 Debit Card Module 
 Debit Card Master File

  
 Safe Deposit Box System 
 SDB Master File 
  
 Retirement Reporting Module 
 RRM Customer
File 
 RRM Plan File 
 RRM Account File 
  
 ATM Processing System

 ATM Customer Summary File 
 ATM Transaction Summary File 
  
 Item Entry System

 Stop Payments 
  
 On-Line Loan Collection 
 OLC Collector File

 OLC Master File 
 OLC Transaction Addenda File 
 OLC Description Addenda File 
  
 Bill Payment Module 
 BPM Master File 
 BPM Transaction File 
 BPM Checkfree Customer File 
  
 Financial Management System 
 FMS Account Master File 
 FMS Transaction File 
 FMS Transaction Description File 
  
 Accounts Payable System 
 APS Invoice Master
File 
 APS Vendor File 
 APS Invoice Expense File 
 APS History File 
  
 Bond Accounting System 
 BAS Account Master File 
 BAS Source File 
 BAS Transaction File 
  
 Check Reconciliation System 
 CRS Client Master File 
 CRS Check Master File 
  
 Connect3 Electronic
Banking 
 Connect3 Transaction History File 
 Connect3 Caller Record 
  
 Fixed Asset System 
 FAS Master File

  
 Stockholder Accounting System 
 SHS Master File 
 SHS Certificate Overflow File 
 SHS Plan Overflow File 
  
 Teller Terminal Processing System 
 TTM History File 
  

 B - 3 

 ADDENDUM SIXTEEN 
 ADDITIONAL SERVICES 
  
 This ADDENDUM
(“Addendum”) to the Agreement for Information Technology Services (“Agreement”) between Aurum Technology Inc. (“AURUM”) and California Community Bancshares, Inc. (“Customer”), is effective from the date it is
executed by AURUM and shall remain in effect for the term of the Agreement. Capitalized terms used in this Addendum will be as defined in the Agreement unless otherwise defined in this Addendum. 
  
 WHEREAS, Customer desires that Aurum Technology provide certain Additional Services to
Customer as set forth in this Addendum; 
  
 WHEREAS, Aurum Technology is willing
to provide such Additional Services to Customer; 
  
 NOW, THEREFORE, Aurum
Technology and Customer hereby agree to amend the Agreement to provide for such Additional Services as follows: 
  

	1.	Additional Services. Aurum Technology will provide to Placer Sierra Bank, as an Additional Service, the Automatic Teller Machine interface for US Bank. Aurum Technology will
provide such Additional Service in accordance with this Addendum and the Agreement and such service will be deemed an Additional Service under the Agreement for all purposes. 

  

	2.	Payments to Aurum Technology. In consideration for the provision by Aurum Technology of the Additional Service set forth above, Customer will pay Aurum Technology the amounts
set forth in Exhibit A attached hereto. Charges for such services will be due and payable in accordance with the terms of the Agreement. 

  

	3.	Customer Responsibilities. Customer will (i) assist with the development and entry of necessary ITI Automatic Teller Machine module specifications; (ii) assist with all
testing and validation of the Automatic Teller Machine module during implementation; (iii) input and maintain all account information etc. required by the applications; (iv) print notices and reports via OMS. 

  

	4.	Confirmation of Agreement. Except as amended by this Addendum, the Agreement will be and remain in full force and effect in accordance with its terms.

  

	5.	Execution of Addendum. Four (4) original copies of this Addendum will be executed and submitted to Aurum Technology by Customer. This Addendum will become effective as of the
date set forth below when Aurum Technology executes this Addendum. Aurum Technology will return one of the executed copies to Customer. 

  
 IN WITNESS WHEREOF, the parties have executed this Addendum as of 12-14, 2001. 
  

									
	AURUM TECHNOLOGY INC.	 	 	 	California Community Bancshares, Inc.
					
	By:	 	/s/    Illegible        	 	 	 	By:	 	/s/    HARVEY FERGUSON        
	 Printed
 Name:
	 	Illegible	 	 	 	 Printed
 Name:
	 	Harvey Ferguson
	 Title:
	 	SVP	 	 	 	 Title:
	 	President
	 Date:
	 	 12-31-01
	 	 	 	 Date:
	 	 12-14-01

  

					
	 ATM Online
	 	1	 	 

 EXHIBIT A 
 AUTOMATIC TELLER MACHINE MODULE 
 SERVICE CHARGES 
  
 The monthly service fees for the Automatic Teller Machine – US Bank interface are based
on the number of Account Records maintained on the System during each month. An “Account Record” is defined as an end-customer account type including without limitation, any open or closed DDA/Checking account, DDL account, Savings
account, Certificate of Deposit account, Loan account or Investor Loan accounts, that are maintained on the System during the applicable month. 
  

			
	 Description

	  	Service Fee

		
	 One Time Installation – invoiced in conjunction with signing of the Addendum
	  	 
	 Start Up Fee
	  	$***
		
	 Circuit Certification/Card Conversion – invoiced in conjunction with start of certification process
	  	 
	 	  	$***
		
	 ATM Conversion process requires 90-120 days lead time by Aurum
	  	 
		
	 Monthly – Based on Account Volume – begins with completion of the installation
	  	 
		
	 0 - 112,000
	  	$***
	 0 - 136,000
	  	$***
	 greater than 136,000
	  	Request Quote

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

					
	 ATM Online
	 	A-1	 	 

 ADDENDUM SEVENTEEN 
 ADDITIONAL SERVICES 
  
 This ADDENDUM
(“Addendum”) to the Agreement for Information Technology Services (“Agreement”) between Aurum Technology Inc. (“AURUM”) and California Community Bancshares, Inc. (“Customer”), dated as of December 21, 2000, as
amended or modified, is effective from the date it is executed by AURUM and shall remain in effect for the term of the Agreement. Capitalized terms used in this Addendum will be as defined in the Agreement unless otherwise defined in this Addendum.

  
 WHEREAS, Customer desires that AURUM provide certain Additional Services to
Customer as set forth in this Addendum; 
  
 WHEREAS, AURUM is willing to provide
such Additional Services to Customer; and 
  
 NOW, THEREFORE, AURUM and Customer
hereby agree to amend the Agreement to provide for such Additional Services as follows: 
  

	 	1.	Additional Services. In connection with Aurum’s provision of the Additional Service to Customer, Aurum will: install at the Aurum Data Center for Bank of Orange County,
the SCM2100 User Interface Program, the Information Technology, Inc, (ITI) Check Reconcilement System for use for accounts other than internal official items, (ITI) ATM Online System, the ATM FIS Interface and the related ATM Behind the Switch
Network Interface (“ATM Behind the Switch” interface for US Bank (Élan)) including all related programs and reports, provide SCM2100 server and workstation software and software upgrades as scheduled or required, and provide
assistance with installation of the Customer’s SCM2100 server (“SCM2100 Server”). Aurum will provide such Additional Services in accordance with this Addendum and the Agreement and such services will be deemed Additional Services
under the Agreement for all purposes. 

  

	 	2.	Payments to AURUM. In consideration for the provision by AURUM of the Additional Service set forth above, Customer will pay AURUM the amounts set forth in Exhibit A attached
hereto. Charges for such services will be due and payable in accordance with the terms of the Agreement and of this Addendum as follows: (i) Installation or set-up charges will be invoiced in conjunction with signing of this Addendum; (ii) Monthly
charges will commence upon completion of the installation, but no later than 120 days from commencement of the installation project (unless delays to installation completion are attributable solely to Aurum). 

  

	 	3.	Customer Responsibilities. Customer will be responsible for: Customer will (i) provide and maintain all SCM2100 server hardware/software and host connectivity necessary to
meet ITI minimura requirements for the SCM2100 User Interface; (ii) will assist Aurum with the installation of the SCM2100 server (iii) will perform installation of all SCM2100 workstations for Customer’s employees; (iv) provide training to
their employees on the use of SCM2100; and (v) will upgrade all SCM2100 software as scheduled or required by Aurum. (vi) contracting with a third-party ATM vendor for ATM related processing, support and connectivity to the Aurum Data Center; (vii)
settlement and balancing of all Customer ATMs and Customer’s customer ATM transactions; (viii) assisting with all security specifications needed by Aurum for the entry of all ATM specifications necessary for implementation and testing; (ix)
assisting with all testing and validation of ATM Behind the Switch processing during implementation; (x) reviewing daily reports and validating customer activity; and, (xi) providing all marketing/informational material to their customers concerning
access and use of the ATM Behind the Switch System. 

  

	 	4.	Confirmation of Agreement. Except as amended by this Addendum, the Agreement will be and remain in full force and effect in accordance with its terms.

  

			
	 California Community Bancshares, Inc 10-01-02
	 	1

	 	5.	Execution of Addendum. Four (4) original copies of this Addendum will be executed and submitted to AURUM by Customer. This Addendum will become effective as of the date set
forth below when AURUM executes this Addendum. AURUM will return one of the executed copies to Customer. 

  

									
	 AURUM TECHNOLOGY INC
	 	 	 	 CALIFORNIA COMMUNITY BANCSHARES, INC.

					
	By:	 	/s/    BRIAN VAN
DYK        	 	 	 	By:	 	/s/    DAVID
HOOSTON        
	 Printed
 Name:
	 	Brian Van Dyk	 	 	 	 Printed
 Name:
	 	David Hooston
	Title:	 	President – Premier Division	 	 	 	Title:	 	Executive Vice President/CFO
	Date:	 	11/1/2002	 	 	 	Date:	 	October 7, 2002

  

			
	 California Community Bancshares, Inc 10-01-02
	 	2

 EXHIBIT A 
 ATM-BEHIND THE SWITCH 
 SERVICE CHARGES 
  
 The monthly service fees for the ATM Behind the Switch are based on the number of Account
Records maintained on the System during each month. Monthly service fees will not be prorated for a partial month. An “Account Record” is defined as an end-customer account type (including without limitation, any open or closed
DDA/Checking account, DDL account, Savings account, Certificate of Deposit account, Loan account or Investor loan) accounts that are maintained on the System during the applicable month. 
  

			
	 Description

	  	Service Fee

	 One Time Charges:
	  	 
		
	 ATM Behind The Switch One Time Installation – invoiced in conjunction with signing of the Addendum
	  	 
	 Installation
	  	$***
	 Circuit Certification/Card Conversion – invoiced in conjunction with the start of certification process
	  	 
	 	  	$***
		
	 Set Up SCM2100 Host User Interface and Server – (Invoiced in conjunction with signing of the Addendum)
	  	 
	 Initial Server Set Up Fee
	  	$***
	 Additional SCM2100 Installations or Assistance
	  	$*** per hour
		
	 Monthly Charges:
	  	 
		
	 ATM Behind The Switch Monthly – Based on Account Volume
	  	 
	 0 - 15,000
	  	$***
	 0 - 24,000
	  	$***
	 0 - 36,000
	  	$***
	 greater than 36,000
	  	request quote
		
	 Check Reconcilement System
	  	 
	 0 - 24,000
	  	$***
	 0 - 36,000
	  	$***
	 greater than 36,000
	  	request quote
		
	 SCM2100 Server Fee
	  	$***

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

			
	 California Community Bancshares, Inc. 10-01-02
	 	A-1

 ADDENDUM EIGHTEEN 
 ADDITIONAL SERVICES 
  
 This ADDENDUM
(“Addendum”) to the Agreement for Information Technology Services (“Agreement”) between Aurum Technology Inc. (“AURUM”) and California Community Bancshares, Inc. (“Customer”) dated as of December 21, 2000, as
amended or modified, is effective from the date it is executed by AURUM and shall remain in effect for the term of the Agreement. Capitalized terms used in this Addendum will be as defined in the Agreement unless otherwise defined in this Addendum.

  
 WHEREAS, Customer desires that AURUM provide certain Additional Services to
Customer as set forth in this Addendum; 
  
 WHEREAS, AURUM is willing to provide
such Additional Services to Customer; and 
  
 NOW, THEREFORE, AURUM and Customer
hereby agree to amend the Agreement to provide for such Additional Services as follows: 
  

	 	1.	Additional Services:    As an Optional Service under the Agreement, AURUM will provide to Customer the Cumulative Year-to-Date General Ledger Transaction
History Report. This report will run on a quarterly basis. The scheduled time is the fourth weekend of the month as part of the quarter end general ledger “final” procedure. The report will be transmitted to the Customer’s OMS PC(s).
Generation of report will commence during the first quarter end close following execution of this Addendum. The first year’s report may not be cumulative if the Customer has already run finals for previous year-to-date months.

  

	 	2.	Payments to AURUM:    In consideration for the provision by AURUM of the Additional Service set forth above, Customer will pay AURUM the amounts set forth
in Exhibit A attached hereto. Charges for such services will be due and payable in accordance with the terms of the Agreement and of this Addendum as as follows: (i) Installation or set-up charges will be invoiced in conjunction with signing of this
Addendum; (ii) Monthly charges will commence upon completion of the installation, but no later than 120 days from commencement of the installation project (unless delays to installation completion are attributable solely to Aurum). The initial
start-up charge will be invoiced in conjunction with the signing of this Addendum. The monthly charge will begin one month following the signing of this Addendum. 

  

	 	3.	Confirmation of Agreement:    Except as amended by this Addendum, the Agreement will be and remain in full force and effect in accordance with its terms.

  

	 	4.	Execution of Addendum:    Four (4) original copies of this Addendum will be executed and submitted to AURUM by Customer. This Addendum will become
effective as of the date set forth below when AURUM executes this Addendum. AURUM will return one of the executed copies to Customer. 

  

					
	AURUM TECHNOLOGY INC.	 	 	 	CALIFORNIA COMMUNITY BANCSHARES, INC.
	 	 	 	 	 
	 By:    /S/ BRIAN VAN DYK

	 	 	 	 By:    /s/ DAVID HOOSTON

	 	 	 	 	 
	Printed	 	 	 	Printed
	 Name:            Brian Van Dyk

	 	 	 	 Name:             David Hooston

	 	 	 	 	 
	 Title: President – Premier Division

	 	 	 	 Title: Executive Vice President/CFO

	 	 	 	 	 
	 Date:            01/20/03

	 	 	 	 Date:

  

 1 

 EXHIBIT A 
 CUMULATIVE YEAR-TO-DATE GENERAL LEDGER HISTORY REPORT 
 SERVICE CHARGES 
  
 The monthly service fees for the Cumulative Year-to Date General Ledger History Report are
based upon the number of General Ledger Account Records maintained on the system each month 
  

			
	 Description

	  	Service
Fee

	 One Time Charges:
	  	 
	 Initial Start-Up Charge
	  	$***
	 Monthly Charges:
	  	 
	 0       - 500
	  	$***
	 501   - 1500
	  	$***
	 501   - 3000
	  	$***
	 3001 - 4500
	  	$***
	 4501 - 6000
	  	$***

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

			
	 California Community Bancshares, Inc. 12-09-02
	 	A-1

 AURUM TECHNOLOGY INC. 
 COMPLIANCE ADDENDUM 
 ADDENDUM NINETEEN 
  
 THIS COMPLIANCE ADDENDUM by and between Aurum Technology Inc., a Delaware corporation with
its principal place of business located in Plano, Texas (“Aurum”), and Customer, as identified below, (each of Aurum and Customer, a “party,” and collectively, the “parties”) is made as of the later of the dates on
which the parties sign below and is intended by the parties to be an amendment to each and every agreement between the parties relating to Aurum’s providing Customer information technology services. 
  
 DATA OWNERSHIP & PRIVACY 
  
 1. All information of Customer (including that of its customers) provided to Aurum by
Customer and contained in Aurum’s data files, is the exclusive property of Customer, and Aurum is only the custodian of that information. Except as may be otherwise provided in an agreement (regardless of whether it is called a schedule,
addendum, contract, agreement or otherwise), both Aurum and Customer (and, as to both parties, their employees, agents and independent contractors) will receive and hold all information communicated to one by the other or the other’s
affiliates, whether before or after the date of an agreement, in strict confidence, will use such information only for purposes of an agreement and will not disclose such information without the prior written consent of the other party. Each party
will take all commercially reasonable precautions to prevent the disclosure to outside parties of such information including, but not limited to, the terms of an agreement, except as required by legal, accounting or regulatory requirements
(including requirements of a Federal or state regulatory authority with jurisdiction over Customer or Customer’s business). If a party is required to disclose any information of the other party in accordance with any such legal, accounting or
regulatory requirements, then such party will, unless otherwise prohibited by law, promptly notify the other party of such requirement and will cooperate with such other party (at their expense) in their efforts, if any, to avoid or limit such
disclosure (including, without limitation, obtaining an injunction or an appropriate redaction of the information in question). The provisions of this section will survive the expiration or termination of any or all agreement(s). 
  
 2. Promptly after the termination or expiration of the term applicable to an agreement and
the payment to Aurum of all fees and charges due under such agreement, Aurum will, at Customer’s request and expense, return to Customer all of Customer’s information with respect to such terminated or expired agreement in Aurum’s
then standard machine-readable format and media. The provisions of this section will survive the expiration or termination of any or all agreement(s). 
  
 3. Aurum will use commercially reasonable efforts to (a) ensure the security and confidentiality of Customer information (including that of its customers), (b) protect
against any anticipated threats or hazards to the security or integrity of such information and (c) protect against unauthorized access to or use of such information that could result in substantial harm or inconvenience to any Customer. Aurum will
employ and maintain controlled access to systems in its data centers and other facilities where such information is located. 
  
 4. Customer will inform Aurum prior to creating any connection to the internet or to any third-party computer network if such connection is made from any point on
Customer’s computer network that is connected to Aurum’s network. Customer will, prior to making such a connection, first obtain (and Aurum will, at Customer’s request, provide a copy of) the firewall and Internet security policy of
Aurum and will abide by the rules contained in it as the same may be amended from time to time to keep current with technology. Customer will be solely responsible for complying with the most current requirements of such policy. 
  
 BUSINESS CONTINUITY 
  
 5. Aurum will maintain for its own protection, with carriers that it deems in its sole discretion appropriate and in amounts that it
determines in its sole discretion to be adequate, errors and omissions and employee dishonesty coverage for its personnel and insurance coverage for loss from fire, disaster or other causes contributing to interruption of normal services,
reconstruction of data file media and related processing costs, additional expenses incurred to continue operations and business interruption to reimburse Aurum for losses resulting from suspension of services due to physical loss of equipment.

  

			
	 California Community Bancshares, Inc 12-09-02
	 	Compliance Addendum Nineteen

 6. Each party will develop, maintain and, as necessary in the event of business interruption, execute a business
resumption plan and will provide to the other party, its auditors and regulators access to the plan and to plan test results as such other party may reasonably request from time to time, including such information that may be reasonably required to
ensure that the plans are compatible. Aurum will not provide access to information of other Aurum customers. 
  
 7. Each party will be responsible for training its own personnel as required in connection with all applicable contingency planning activities. 
  
 8. Each party’s contingency planning activities will comply with such of the following regulatory policies as may be applicable to
Customer’s business, as the same may be amended or replaced from time to time: (a) Federal Deposit Insurance Corporation, Financial Institution Letter FIL-68-97, dated July 14, 1997; (b) Federal Reserve System Supervision and Regulation, Number
SR 97-15, dated May 2, 1997; (c) Office of the Comptroller of the Currency, OCC 97-23, dated May 16, 1997; (d) Office of Thrift Supervision, CEO Ltr 72, dated July 23,1997; and (e) National Credit Union Administration, Letter to Credit Unions No.
97-CU-3, dated April 7, 1997. If compliance with any amendments or replacements of these policies would significantly increase Aurum’s cost of providing products or services, Aurum will be entitled to increase the fees and charges under an
agreement by an amount that reflects a pro rata allocation of Aurum’s increased cost among the Aurum customers affected by the change. 
  
 EXAMINATIONS & AUDITS 
  
 9. Aurum will provide auditors and inspectors that Customer designates in writing with reasonable access to its facilities during business hours for the limited purpose
of performing audits or inspections of Customer’s business. Aurum will provide the assistance to such auditors and inspectors as Aurum deems reasonable. Customer will bear all expenses associated with such audit or inspection and will also
compensate Aurum for any services provided in connection with the audit or inspection. Customer will insure that any audit or inspection requested by Customer will be conducted without undue disruption to Aurum’s business or operations. Aurum
will not (a) provide access to information of other Aurum customers or (b) permit access to its facilities during such times as Aurum deems that such access would be likely to create undue disruption to its operations. 
  
 10. Each year during the term of an agreement, Aurum will provide to Customer, at
Customer’s request and at no additional charge, one copy of Aurum’s most recent audited financial statements. 
  
 11. Aurum will provide to Customer, at Customer’s request and at Aurum’s then standard charge, one copy of Aurum’s most recent service auditor’s
report, performed pursuant to nationally recognized auditing standards for service organizations, applicable to the services provided by Aurum to Customer. 
  
 THE AUTHORIZED OFFICER OR REPRESENTATIVE OF EACH PARTY has signed this COMPLIANCE ADDENDUM as a legally binding obligation of such party. 
  

									
	 California Community Bancshares, Inc.
 (“CUSTOMER”)
	 	 	 	 AURUM TECHNOLOGY INC.

					
	 By:
	 	/s/    DAVID HOOSTON        	 	 	 	By:	 	/s/    BRIAN VAN
DYK        
	 Name:
	 	David Hooston	 	 	 	 Name:
	 	Brian Van Dyk
	 Title:
	 	Executive Vice President/CFO	 	 	 	 Title:
	 	President – Premier Division
	 Date:
	 	 	 	 	 	 Date:
	 	 01/20/0_

  

			
	 California Community Bancshares, Inc 12-09-02
	 	Compliance Addendum Nineteen

 ADDENDUM NUMBER TWENTY 
 ADDITIONAL SERVICES 
  
 THIS ADDENDUM
(“Addendum”), to that certain Agreement for Information Technology Services (“Agreement”) between Aurum Technology Inc., (“AURUM”), and California Community Bancshares, Inc. (“Customer”), dated as of December
21, 2000, is made and entered into by and between Customer and AURUM. 
  
 The
parties agree to amend the Agreement as follows: 
  
 1. Additional Services. In
addition to the services described in the Agreement, AURUM agrees to provide certain additional services, such services to include the following and together be referred to as “Additional Services”: Internet Banking Interface to Image
Archive - This service enables account holders of Placer Sierra Bank access the image archive through the public Internet, using AURUM’s PremiereCom or PremiereCorp Service Bureau Internet Banking. 
  
 2. Payments to AURUM. Customer agrees to pay AURUM, for and in consideration of the
Additional Services, the following amounts and upon the following terms: 
  
 One
Time Fee of $ 15,500.00 will be invoiced in conjunction with signing of this Addendum. The monthly fee for using the interface to AURUM’s PremiereCom or PremiereCorp Service Bureau Internet Banking is based on the following
schedule. The monthly fee is based on the asset size of the institution on the December 31 call report, and will be reviewed on April 1st of each year. Monthly charges will commence upon completion of the installation. 
  

			
	 Asset Size

	  	Monthly Fee

	 $850,000,001 - $1,000,000,000
	  	$***
	 $1,000,000,001 - $2,400,000,000
	  	$***
	 Greater than $2,400,000,000
	  	$***

  
 3. Customer Responsibilities. Customer
will be responsible for: (i) contracting with AURUM for on-line Image Depot access; and, (ii) all support and training of Customer’s customers relating to check image retrieval. 
  
 4. This Addendum is incorporated into and shall be a part of the Agreement for all purposes and shall remain in full force and effect in
accordance with its terms. 
  
 5. Execution of Addendum. Four (4) original copies
of this Addendum will be executed and submitted to AURUM by Customer. This Addendum will become effective as of the date set forth below when AURUM executes this Addendum. AURUM will return one executed copy to the Customer. 

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

					
	 California Community Bancshares, Inc. 02/03/03
	 	1    	  	Addendum Twenty

 ADDENDUM NUMBER TWENTY 
 ADDITIONAL SERVICES 
  

									
	 AURUM TECHNOLOGY INC
	 	 	 	 California Community Bancshares, Inc.

					
	By:	 	/s/    BRIAN VAN
DYK        	 	 	 	By:	 	/s/    Illegible        
	 Printed
 Name:
	 	Brian Van Dyk	 	 	 	 Printed
 Name:
	 	Illegible
	 Title:
	 	President – Premier Division	 	 	 	 Title:
	 	CEO
	 Date:
	 	 03/17/2003
	 	 	 	 Date:
	 	 2/13/03

  

					
	 California Community Bancshares, Inc. 02/03/03
	 	2    	  	Addendum Twenty

 ADDENDUM TWENTY-ONE 
 ADDITIONAL SERVICES 
  
 This ADDENDUM
(“Addendum”) to the Agreement for Information Technology Services (“Agreement”) between Aurum Technology Inc. (“AURUM”) and California Community Bancshares, Inc. (“Customer”), dated as of December 21, 2000, as
amended or modified, is effective from the date it is executed by AURUM and shall remain in effect for the term of the Agreement. Capitalized terms used in this Addendum will be as defined in the Agreement unless otherwise defined in this Addendum.

  
 WHEREAS, Customer desires that AURUM provide certain Additional Services to
Customer as set forth in this Addendum; 
  
 WHEREAS, AURUM is willing to provide
such Additional Services to Customer; 
  
 NOW, THEREFORE, AURUM and Customer
hereby agree to amend the Agreement to provide for such Additional Services as follows: 
  

	1.	Additional Services. AURUM will provide to Placer Sierra Bank, as Additional Services, Premier II Platform enterprise host processing,.. AURUM will provide such Additional
Services in accordance with this Addendum and the Agreement and such services will be deemed Additional Services under the Agreement for all purposes. 

  

	2.	Payments to AURUM. In consideration for the provision by AURUM of the Additional Services set forth above, Customer will pay AURUM the amounts set forth in Exhibit A attached
hereto. Charges for such services will be due and payable in accordance with the terms of this Addendum and the Agreement. Customer may expand the Additional Services provided hereunder, such as adding additional seats or licenses, upon request.
Such expanded Additional Services shall be subject to the pricing current as of the date of such request 

  

	3.	Customer Responsibilities. Customer will (i) provide all hardware/software necessary to meet ITI minimum requirements for the PII Platform File Server and Workstations, for
host connectivity and for forms library storage for each branch/workstation; ii) upon completion of training, perform all setup or maintenance of ITI Premier II Platform workflows (forms, forms groups, events, event groups), forms implementation or
customization, and any software upgrades to the system as recommended or provided by ITI; purchase additional ITI ancillary modules as required or optioned. 

  

	4.	Confirmation of Agreement. Except as amended by this Addendum, the Agreement will be and remain in full force and effect in accordance with its terms,

  

	5.	Execution of Addendum. Four (4) original copies of this Addendum will be executed and submitted to AURUM by Customer. This Addendum will become effective as of the date set
forth below when AURUM executes this Addendum. AURUM will return one of the executed copies to Customer. 

  

					
	 California Community Bancshares, Inc. 02/03/03
	 	1    	  	Addendum Twenty-One

									
	 AURUM TECHNOLOGY INC
	 	 	 	 California Community Bancshares, Inc.

					
	By:	 	/s/    BRIAN VAN
DYK        	 	 	 	By:	 	/s/    Illegible        
	 Printed
 Name:
	 	Brian Van Dyk	 	 	 	 Printed
 Name:
	 	Illegible
	Title:	 	President – Premier Division	 	 	 	Title:	 	CEO
	Date:	 	03/17/2003	 	 	 	Date:	 	2/13/03

  

					
	 California Community Bancshares, Inc. 02/03/03
	 	2    	  	Addendum Twenty-One

 EXHIBIT A 
 PREMIER II PLATFORM 
 SERVICE CHARGES 
  
 The monthly service fees for PII Platform are based on the number of Account Records
maintained on the System during each month. Monthly service fees will not be prorated for a partial month. An “Account Record” is defined as an end-customer account type including without limitation, any open or closed DDA/Checking
account, DDL account, Savings account, Certificate of Deposit account, Loan account or Investor loan, accounts, that are maintained on the System during the applicable month. 
  
 One Time Charges 
  
 PII Platform Installation/Training Charge 
 (Invoiced in conjunction with signing of the Addendum) 
  

			
	 Set Up Fee
	  	$***
	 Onsite PII Platform Installation and Training
	  	$ Performed and Billed by ITI

  
 Aurum PII Platform Enterprise Seat
License – Licensed and Billed by ITI at the then current price* 
  
 Monthly Charges – Based on Account Volume – begins with completion of the installation 
  

			
	 0 -   88,000
	  	$***
	 0 - 112,000
	  	$***
	 greater than 112,000
	  	Request Quote                         

  
 Annual Charges 
  
 Annual Seat Maintenance 
  
 ***% of total Enterprise Seat License is due and payable each year on the
anniversary of the installation. 
  

	*	Indicates annual maintenance charge assessed 

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

					
	 California Community Bancshares, Inc. 02/03/03
	 	A-1    	  	Addendum Twenty-One

 EXHIBIT B 
 PREMIER II PLATFORM 
 ANCILLARY LICENSES/MAINTENANCE 
  
 One Time Charges 
  
 Required – Licensed and Billed by ITI 
 Initial/ Annual Usage/Maintenance Bankers Systems Electronic Forms 
 Deposit and IRA Modules (required per State in which you open accounts) 
  

			
	 New Account/Total IRA Plans

	  	Annual
Usage/
Maintenance

	 Denovo – first year only
	  	$***
	          0 -   1,000
	  	$***
	   1,001 -   1,500
	  	$***
	   1,501 -   2,000
	  	$***
	   2,001 -   2,500
	  	$***
	   2,501 -   3,000
	  	$***
	   3,001 -   3,500
	  	$***
	   3,501 -   4,000
	  	$*** 
	   4,001 -   4,500
	  	$***
	   4,501 -   5,000
	  	$***
	   5,001 -   6,000
	  	$***
	   6,001 -   7,000
	  	$***
	   7,001 -   8,000
	  	$***
	   8,001 -   9,000
	  	$***
	   9,001 - 10,000
	  	$***
	 10,001 & over
	  	request quote
		
	 Deluxe One for Windows License Purchase*

	  	 
	 First 5 Seats
	  	$*** (per seat)
	 Next 5 Seats
	  	$*** (per seat)
	 Next 15 Seats
	  	$*** (per seat)
	 Next 25 Seats
	  	$*** (per seat)
	 50+
	  	request quote

  
 Annual Charges 
  
 Annual Seat Maintenance 
  
 Maintenance: ***% of Seats licensed is due and payable each year on the
anniversary of the installation. 
  
 Bankers Systems Electronic
Forms – Deposit and IRA Module Usage/Maintenance as reflected above. 
  

	*	indicates annual maintenance charge assessed 

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

					
	 California Community Bancshares, Inc. 02/03/03
	 	B-1    	  	Addendum Twenty-One

 ADDENDUM TWENTY - TWO 
 ADDITIONAL SERVICES 
  
 This ADDENDUM
(“Addendum”) to the Agreement for Information Technology Services (“Agreement”) between Aurum Technology Inc. (“AURUM”) and California Community Bancshares, Inc. (“Customer”), dated as of December 21, 2000, as
amended or modified, is effective from the date it is executed by AURUM and shall remain in effect for the term of the Agreement. Capitalized terms used in this Addendum will be as defined in the Agreement unless otherwise defined in this Addendum.

  
 WHEREAS, Customer desires that AURUM provide certain Additional Services to
Customer as set forth in this Addendum; 
  
 WHEREAS, AURUM is willing to provide
such Additional Services to Customer; 
  
 NOW, THEREFORE, AURUM and Customer
hereby agree to amend the Agreement to provide for such Additional Services as follows: 
  

	1.	Additional Services. AURUM will provide to Placer Sierra Bank, as Additional Services, Information Technology Inc’s (ITI) Premier II Commercial Teller Interface
and Database, including: (i) all host-related programs and reports; AURUM will provide such Additional Services in accordance with this Addendum and the Agreement and such services will be deemed Additional Services under the Agreement for all
purposes. 

  

	2.	Payments to AURUM. In consideration for the provision by AURUM of the Additional Services set forth above, Customer will pay AURUM the amounts set forth in Exhibit A attached
hereto. Charges for such services will be due and payable in accordance with the terms of the Agreement and of this Addendum as follows: (i) Installation or set-up charges will be invoiced in conjunction with signing of this Addendum; (ii) Monthly
charges will commence upon completion of the installation, but no later than 120 days from commencement of the installation project (unless delays to installation completion are attributable solely to Aurum). 

  

	3.	Customer Responsibilities. Customer will (i) license all necessary PII Commercial Teller workstation software; (ii) provide all hardware/software necessary to meet ITI
minimum requirements for PII Commercial Teller servers, workstations, printers, and for host connectivity; (iii) upon completion of training, perform all additional installation and upgrades to the ITI PII Commercial Teller system as recommended or
provided by ITI; and, (iv) purchase additional workstation software or ITI ancillary modules as required or optioned. 

  

	4.	Confirmation of Agreement. Except as amended by this Addendum, the Agreement will be and remain in full force and effect in accordance with its terms.

  

	5.	Execution of Addendum. Four (4) original copies of this Addendum will be executed and submitted to AURUM by Customer. This Addendum will become effective as of the date set
forth below when AURUM executes this Addendum. AURUM will return one of the executed copies to Customer. 

  

					
	 California Community Bancshares, Inc. 02/03/03
	 	1    	  	Addendum Twenty-Two

									
	 AURUM TECHNOLOGY INC
	 	 	 	 California Community Bancshares, Inc.

					
	By:	 	/s/    BRIAN VAN
DYK        	 	 	 	By:	 	/s/    Illegible        
	 Printed

 Name:
	 	Brian Van Dyk	 	 	 	 Printed

 Name:
	 	Illegible
	 Title:
	 	President Premier Division	 	 	 	 Title:
	 	CEO
	 Date:
	 	 03/17/2003
	 	 	 	 Date:
	 	 2/13/03

  

					
	 California Community Bancshares, Inc. 02/03/03
	 	2    	  	Addendum Twenty-Two

 EXHIBIT A 
 PREMIER II COMMERCIAL TELLER 
 SERVICE CHARGES 
  
 The monthly service fees for PII Commercial Teller are based on the number of Account Records
maintained on the System during each month. An “Account Record” is defined as an end-customer account type (including without limitation, any open or closed DDA/Checking account, DDL account, Savings account, Certificate of Deposit
account, Loan account or Investor loan accounts, that are maintained on the System during the applicable month. Monthly service fees will not be prorated for a partial month. 
  
 One Time Charges 
  
 PII Commercial Teller Set Up Fees and Installation/Training Charge 
 (Installation invoiced in conjunction with signing of the Addendum) 
  

			
	 PII Teller Host Interface and Database Set Up Fee
	 	$***
	 Onsite PII Teller Desktop Installation and Training
	 	$ Performed and Billed by ITI

  
 PII Commercial
Teller Enterprise Seat License – Licensed and Billed by ITI at the then current price* 
  
 PII Commercial Teller Release Upgrade Utility – Licensed and Billed by ITI at the then current price 
  
 Monthly Charge for Host Interface and Database 
  

			
	 1 -   88,000
	 	$***
	 1 - 112,000
	 	$***
	 greater than 112000
	 	request quote

  
 Annual Charges 
  
 Annual Software Maintenance* 
  
 ***% of total PII Teller Enterprise Seat License and software purchased from
ITI. The annual maintenance is due and payable each year on the anniversary of the installation. 
  

	*	indicates charges that will be billed to you by ITI 

	[***]	Represents material which has been redacted and filed separately with the Commission pursuant to a request for confidential treatment pursuant to Rule 406 of the Securities Act of
1933, as amended. 

  

					
	 California Community Bancshares, Inc. 02/03/03
	 	A-1    	  	Addendum Twenty-Two

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