Document:

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                                                                   EXHIBIT 10.09

                         NON-QUALIFIED STOCK OPTION AGREEMENT
                     (Performance and Time Based Stock Option)

       THIS AGREEMENT is entered into and effective as of October 20, 1999
(the "Date of Grant"), by and between Ceridian Corporation (the "Company")
and __________________________ (the "Optionee").

       A.     The Company has adopted the Ceridian Corporation 1999 Stock
Incentive Plan (as may be amended or supplemented, the "Plan") authorizing
the Board of Directors of the Company, or a committee as provided for in the
Plan (the Board or such a committee to be referred to as the "Committee"), to
grant stock options to employees of the Company and its Subsidiaries (as
defined in the Plan).

       B.     The Company desires to give the Optionee an inducement to
acquire a proprietary interest in the Company and an added incentive to
advance the interests of the Company by granting to the Optionee an option to
purchase shares of common stock of the Company pursuant to the Plan.

       Accordingly, the parties agree as follows:

1.     GRANT OF OPTION.

       The Company hereby grants to the Optionee the right, privilege and
option (the "Option") to purchase     [TOTAL NUMBER]    shares (the "Option
Shares") of the Company's common stock, $0.50 par value (the "Common Stock"),
according to the terms and subject to the conditions hereinafter set forth
and as set forth in the Plan.  The Option is comprised of two components:
[NUMBER]    of the Option Shares will become exercisable as provided in
Section 3.1(a) of this Agreement and are referred to as "Time-Based Option
Shares," and  [NUMBER] of the Option Shares will become exercisable as
provided in Section 3.1(b) of this Agreement and are referred to as
"Performance-Based Option Shares."  The Option granted hereunder shall not be
an incentive stock option within the meaning of Section 422 of the Internal
Revenue Code of 1986, as amended (the "Code").

2.     OPTION EXERCISE PRICE.

       The per share price to be paid by Optionee in the event of an exercise
of the Option will be $19.9375.

3.     DURATION OF OPTION AND TIME OF EXERCISE.

       3.1    INITIAL PERIOD OF EXERCISABILITY.

              (a)    TIME-BASED OPTION SHARES.  Except as provided in Sections
       3.2 and 3.3 hereof, the Option shall become exercisable with respect to
       one-third of the Time Based Option Shares on each of the first, second
       and third anniversaries of the Date of Grant.

              (b)    PERFORMANCE BASED OPTION SHARES.  Except as provided in
       Sections 3.2 and 3.3 hereof, the Option shall become exercisable with
       respect to all of the Performance Based Option Shares on February 15,
       2002 if: (i) the average closing price of a share of Common Stock as

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       reported on the New York Stock Exchange Composite Tape for any 20
       consecutive trading days during the Performance Period is greater than
       $26.15; (ii) the performance measure set forth above in Section
       3.1(b)(i) is not satisfied and the Company's rank for Total Return to
       Shareholders among S&P 500 Companies during the Performance Period
       exceeds the 60th percentile; or (iii) October 20, 2005, if neither of
       the above mentioned performance measures in this Section 3.1(b) are
       satisfied.

              (c)    The foregoing rights to exercise the Option will be
       cumulative with respect to the Option Shares becoming exercisable on such
       dates set forth in this Section 3.1, but in no event will the Option be
       exercisable after, and the Option will become void and expire as to all
       unexercised Option Shares at, 5:00 p.m. (Minneapolis time) on tenth
       anniversary of the Date of Grant (the "Time of Option Termination").

       3.2    TERMINATION OF EMPLOYMENT.

              (a)    TERMINATION DUE TO DEATH, DISABILITY OR RETIREMENT.  In the
       event the Optionee's employment with the Company and all Subsidiaries is
       terminated by reason of death, Disability (as defined in the Plan) or
       Retirement (as defined in the Plan), the Option will become immediately
       exercisable in full with respect to all of the Time-Based Option Shares,
       and will become immediately exercisable in full with respect to all of
       the Performance-Based Option Shares if the stock price performance
       condition specified in Section 3.1(b)(i) of this Agreement was satisfied
       prior to the date of such termination.  To the extent this Option is
       already exercisable at the time your employment terminates due to death,
       Disability or Retirement, or becomes exercisable as provided in this
       Section 3.2(a), the Option will remain exercisable until the Time of
       Option Termination.  To the extent the stock price performance condition
       specified in Section 3.1(b)(i) of this Agreement was not satisfied prior
       to the date of termination by reason of death, Disability or Retirement,
       the Performance-Based Option Shares shall no longer be exercisable.

              (b)    TERMINATION FOR REASONS OTHER THAN DEATH, DISABILITY OR
       RETIREMENT.  In the event that the Optionee's employment with the Company
       and all Subsidiaries is terminated for any reason other than death,
       Disability or Retirement, or the Optionee is in the employ of a
       Subsidiary and the Subsidiary ceases to be a Subsidiary of the Company
       (unless the Optionee continues in the employ of the Company or another
       Subsidiary), all rights of the Optionee under the Plan and this Agreement
       will immediately terminate without notice of any kind, and the Option
       will no longer be exercisable; provided, however, that, if such
       termination is due to any reason other than termination by the Company or
       any Subsidiary for Cause (as defined in Section 9 of this Agreement), the
       Option will remain exercisable to the extent exercisable as of such
       termination for a period of three months after such termination (but in
       no event after the Time of Option Termination).

       3.3    CHANGE IN CONTROL.

              (a)    IMPACT OF CHANGE IN CONTROL.  If a Change in Control (as
       defined in Section 9 of this Agreement) of the Company occurs, and the
       Option has been outstanding for at least two months, the Option will
       become immediately exercisable in full and will remain exercisable until
       the Time of Option Termination, regardless of whether the Optionee
       remains in the employ of the Company or any Subsidiary, except that such
       accelerated exercisability shall be available with respect to the
       Performance-Based Option Shares only if the stock price performance
       condition specified in Section 3.1(b)(i) of this Agreement was satisfied
       prior to the date of the

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       Change of Control.  In addition, if a Change in Control of the Company
       occurs, the Committee, in its sole discretion and without the consent
       of the Optionee, may determine that the Optionee will receive, with
       respect to some or all of the Option Shares, as of the effective date
       of any such Change in Control of the Company, cash in an amount equal
       to the excess of the Fair Market Value (as defined in the Plan) of
       such Option Shares immediately prior to the effective date of such
       Change in Control of the Company over the option exercise price per
       share of the Option.

              (b)    AUTHORITY TO MODIFY CHANGE OF CONTROL PROVISIONS.  Prior to
       a Change of Control, the Optionee will have no rights under this
       Section 3.3, and the Committee will have the authority, in its sole
       discretion, to rescind, modify or amend this Section 3.3 without the
       consent of the Optionee.

4.     MANNER OF OPTION EXERCISE.

       4.1    NOTICE.  This Option may be exercised by the Optionee in whole
or in part from time to time, subject to the conditions contained in the Plan
and in this Agreement, by delivery, in person, by facsimile or electronic
transmission or through the mail, to the Company at its principal executive
office in Minneapolis, Minnesota (Attention:  Corporate Treasury), of a
written notice of exercise.  Such notice must be in a form satisfactory to
the Committee, must identify the Option, must specify the number of Option
Shares with respect to which the Option is being exercised, and must be
signed by the person or persons so exercising the Option.  Such notice must
be accompanied by payment in full of the total exercise price for the Option
Shares to be purchased.  In the event that the Option is being exercised, as
provided by the Plan and Section 3.2 of this Agreement, by any person or
persons other than the Optionee, the notice must be accompanied by
appropriate proof of right of such person or persons to exercise the Option.
If the Optionee retains the Option Shares purchased, as soon as practicable
after the effective exercise of the Option, the Optionee will be recorded on
the stock transfer books of the Company as the owner of the Option Shares
purchased, and the Company will deliver to the Optionee one or more duly
issued stock certificates evidencing such ownership.

       4.2    PAYMENT.  At the time of exercise of the Option, the Optionee
must pay the total exercise price of the Option Shares to be purchased
entirely in cash (including a check, bank draft or money order, payable to
the order of the Company); provided, however, that the Committee, in its sole
discretion and upon terms and conditions established by the Committee, may
allow such payment to be made, in whole or in part, by tender of a full
recourse promissory note, a Broker Exercise Notice or Previously Acquired
Shares (as such terms are defined in the Plan), or by a combination of such
methods.  In the event the Optionee is permitted to pay the total purchase
price of the Option in whole or in part with Previously Acquired Shares, the
value of such shares will be equal to their Fair Market Value on the date of
exercise of the Option and delivery of any such Previously Acquired Shares
may be made through delivery of a written attestation of ownership if
permitted by the Committee.

5.     RIGHTS AND RESTRICTIONS OF OPTIONEE; TRANSFERABILITY.

       5.1    EMPLOYMENT.  Nothing in this Agreement will interfere with or
limit in any way the right of the Company or any Subsidiary to terminate the
employment of the Optionee at any time, nor confer upon the Optionee any
right to continue in the employ of the Company or any Subsidiary at any
particular position or rate of pay or for any particular period of time.

       5.2    RIGHTS AS A STOCKHOLDER.  The Optionee will have no rights as a
stockholder unless and until all conditions to the effective exercise of the
Option (including, without limitation, the conditions set forth in Sections 4
and 6 of this Agreement) have been satisfied and the Optionee has become the

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holder of record of such shares.  No adjustment will be made for dividends or
distributions with respect to the Option Shares as to which there is a record
date preceding the date the Optionee becomes the holder of record of such
Option Shares, except as may otherwise be provided in the Plan or determined
by the Committee in its sole discretion.

       5.3    RESTRICTIONS ON TRANSFER.  Except pursuant to testamentary will
or the laws of descent and distribution or as otherwise expressly permitted
by the Plan, no right or interest of the Optionee in the Option prior to
exercise may be assigned or transferred, or subjected to any lien, during the
lifetime of the Optionee, either voluntarily or involuntarily, directly or
indirectly, by operation of law or otherwise.  The Optionee will, however, be
entitled to designate a beneficiary to receive the Option upon such
Optionee's death in the manner provided by the Plan, and, in the event of the
Optionee's death, exercise of the Option (to the extent permitted pursuant to
Section 3.2(a) of this Agreement) may be made by the Optionee's designated
beneficiary.

       5.4    RESTRICTIONS REGARDING EMPLOYMENT.

              (a)    The Optionee agrees that he or she will not take any
       Adverse Actions (as defined below) against the Company or any Subsidiary
       at any time during the period that the Option is or may yet become
       exercisable in whole or in part or at any time before one year following
       the Optionee's termination of employment with the Company or any
       Subsidiary, whichever is later (the "Restricted Period").  The Optionee
       acknowledges that damages which may arise from a breach of this Section
       5.4 may be impossible to ascertain or prove with certainty.
       Notwithstanding anything in this Agreement or the Plan to the contrary,
       in the event that the Company determines in its sole discretion that the
       Optionee has taken Adverse Actions against the Company or any Subsidiary
       at any time during the Restricted Period, in addition to other legal
       remedies which may be available, (i) the Company will be entitled to an
       immediate injunction from a court of competent jurisdiction to end such
       Adverse Action, without further proof of damage, (ii) the Committee will
       have the authority in its sole discretion to terminate immediately all
       rights of the Optionee under the Plan and this Agreement without notice
       of any kind, and (iii) the Committee will have the authority in its sole
       discretion to rescind the exercise of all or any portion of the Option to
       the extent that such exercise occurred within six months prior to the
       date the Optionee first commences any such Adverse Actions and require
       the Optionee to disgorge any profits (however defined by the Committee)
       realized by the Optionee relating to such exercised portion of the Option
       or any Option Shares issued or issuable upon such exercise.  Such
       disgorged profits paid to the Company must be made in cash (including
       check, bank draft or money order) or, with the Committee's consent,
       shares of Common Stock with a Fair Market Value on the date of payment
       equal to the amount of such payment.  The Company will be entitled to
       withhold and deduct from future wages of the Optionee (or from other
       amounts that may be due and owing to the Optionee from the Company or a
       Subsidiary) or make other arrangements for the collection of all amounts
       necessary to satisfy such payment obligation.

              (b)    For purposes of this Agreement, an "Adverse Action" will
       mean any of the following:  (i) engaging in any commercial activity in
       competition with any part of the business of the Company or any
       Subsidiary as conducted during the Restricted Period for which the
       Optionee has or had access to trade secrets and/or confidential
       information; (ii) diverting or attempting to divert from the Company or
       any Subsidiary any business of any kind, including, without limitation,
       interference with any business relationships with suppliers, customers,
       licensees, licensors, clients or contractors; (iii) making, or causing or
       attempting to cause any other person or entity to make, any statement,
       either written or oral, or convey any information

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       about the Company or any Subsidiary that is disparaging or that in any
       way reflects negatively on the Company or any Subsidiary; or (iv)
       engaging in any other activity that is hostile, contrary or harmful to
       the interests of the Company or any Subsidiary, including, without
       limitation, influencing or advising any person who is employed by or
       in the service of the Company or any Subsidiary to leave such
       employment or service to compete with the Company or any Subsidiary or
       to enter into the employment or service of any actual or prospective
       competitor of the Company or any Subsidiary, influencing or advising
       any competitor of the Company or any Subsidiary to employ to otherwise
       engage the services of any person who is employed by or in the service
       of the Company or any Subsidiary, or improperly disclosing or
       otherwise misusing any trade secrets or confidential information
       regarding the Company or any Subsidiary.

              (c)    Should any provision of this Section 5.4 of the Agreement
       be held invalid or illegal, such illegality shall not invalidate the
       whole of this Section 5.4 of the Agreement, but, rather, the Agreement
       shall be construed as if it did not contain the illegal part or narrowed
       to permit its enforcement, and the rights and obligations of the parties
       shall be construed and enforced accordingly. In furtherance of and not in
       limitation of the foregoing, the Optionee expressly agrees that should
       the duration of or geographical extent of, or business activities covered
       by, any provision of this Agreement be in excess of that which is valid
       or enforceable under applicable law, then such provision shall be
       construed to cover only that duration, extent or activities that may
       validly or enforceably be covered.  The Optionee acknowledges the
       uncertainty of the law in this respect and expressly stipulates that this
       Agreement shall be construed in a manner that renders its provisions
       valid and enforceable to the maximum extent (not exceeding its express
       terms) possible under applicable law.  This Section 5.4 of the Agreement
       does not replace and is in addition to any other agreements the Optionee
       may have with the Company or any of its Subsidiaries on the matters
       addressed herein.

6.     SECURITIES LAW AND OTHER RESTRICTIONS.

       Notwithstanding any other provision of the Plan or this Agreement, the
Company will not be required to issue, and the Optionee may not sell, assign,
transfer or otherwise dispose of, any Option Shares, unless (a) there is in
effect with respect to the Option Shares a registration statement under the
Securities Act of 1933, as amended, and any applicable state or foreign
securities laws or an exemption from such registration, and (b) there has
been obtained any other consent, approval or permit from any other regulatory
body which the Committee, in its sole discretion, deems necessary or
advisable.  The Company may condition such issuance, sale or transfer upon
the receipt of any representations or agreements from the parties involved,
and the placement of any legends on certificates representing Option Shares,
as may be deemed necessary or advisable by the Company in order to comply
with such securities law or other restrictions.

7.     WITHHOLDING TAXES.

       The Company is entitled to (a) withhold and deduct from future wages
of the Optionee (or from other amounts that may be due and owing to the
Optionee from the Company), or make other arrangements for the collection of,
all legally required amounts necessary to satisfy any federal, state or local
withholding and employment-related tax requirements attributable to the
Option, including, without limitation, the grant or exercise of the Option or
a disqualifying disposition of any Option Shares, or (b) require the Optionee
promptly to remit the amount of such withholding to the Company before acting
on the Optionee's notice of exercise of the Option.  In the event that the
Company is unable to withhold such amounts, for whatever reason, the Optionee
agrees to pay to the Company an amount equal to the amount the Company would
otherwise be required to withhold under federal, state or local law.

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8.     ADJUSTMENTS.

       In the event of any reorganization, merger, consolidation,
recapitalization, liquidation, reclassification, stock dividend, stock split,
combination of shares, rights offering, divestiture or extraordinary dividend
(including a spin-off), or any other change in the corporate structure or
shares of the Company, the Committee (or, if the Company is not the surviving
corporation in any such transaction, the board of directors of the surviving
corporation), in order to prevent dilution or enlargement of the rights of
the Optionee, will make appropriate adjustment (which determination will be
conclusive) as to the number and kind of securities or other property
(including cash) subject to, and the exercise price of, the Option.

9.     CERTAIN DEFINITIONS.  For purposes of this Agreement, the following
additional definitions will apply:

              (a)    "Benefit Plan" means any formal or informal plan, program
       or other arrangement heretofore or hereafter adopted by the Company or
       any Subsidiary for the direct or indirect provision of compensation to
       the Optionee (including groups or classes of participants or
       beneficiaries of which the Optionee is a member), whether or not such
       compensation is deferred, is in the form of cash or other property or
       rights, or is in the form of a benefit to or for the Optionee.

              (b)    "Cause" will have the meaning set forth in any employment
       or other agreement or policy applicable to the Optionee or, if no such
       agreement or policy exists, will mean (i) dishonesty, fraud,
       misrepresentation, theft, embezzlement or injury or attempted injury, in
       each case related to the Company or any Subsidiary, (ii) any unlawful or
       criminal activity of a serious nature, (iii) any breach of duty, habitual
       neglect of duty or unreasonable job performance, or (iv) any material
       breach of any employment, service, confidentiality or noncompete
       agreement entered into with the Company or any Subsidiary.

              (c)    "Change of Control" will have the meaning set forth in the
       Plan plus such other event or transaction as the Board shall determine
       constitutes a Change of Control or such other meaning as may be adopted
       by the Committee from time to time in its sole discretion.

              (d)    "Ending Price" means, with respect to any S&P 500 Company
       (including the Company), the average daily last reported sales price of a
       share of such company's common stock as reported in the WALL STREET
       JOURNAL during the period January 1, 2002 through January 31, 2002.

              (e)    "Fair Market Value" (i) with respect to the Company has the
       same meaning as specified in Section 2.10 of the Plan, and (ii) with
       respect to any other S&P 500 Company means the last reported sales price
       of a share of such company's common stock on the date in question as
       reported in the WALL STREET JOURNAL.

              (f)    "Performance Period" means the period October 20, 1999
       through January 31,  2002.

              (g)    "S&P 500 Companies" means the companies that comprise the
       Standard & Poors' 500 Stock Index as it existed on October 20, 1999, and
       which are still publicly traded on January 31, 2002.

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              (h)    "Starting Price" means, with respect to any S&P 500 Company
       (including the Company), the average daily last reported sales price of a
       share of such company's common stock as reported in the WALL STREET
       JOURNAL during the period October 1, 1999 through October 20, 1999.

              (i)    "Total Return to Shareholders" means, with respect to the
       Company or any other S&P 500 Company, the total return to a holder of the
       common stock of such company as a result of his or her ownership of such
       common stock during the Performance Period, such total return (i) to be
       expressed as a percentage of an assumed initial investment in such common
       stock on October 20, 1999 and (ii) to include both the appreciation in
       the per share price of such common stock during the Performance Period
       and the per share Fair Market Value of all dividends and distributions
       paid or distributed by such company with respect to such common stock
       during the Performance Period, assuming that all such dividends and
       distributions are reinvested in shares of such common stock at their Fair
       Market Value on the last trading day of the month in which the dividend
       or distribution is paid or distributed.  For purposes of calculating
       Total Return to Shareholders for the Company or any other S&P 500
       Company, the assumed initial investment in such company's common stock on
       October 20, 1999 shall be at the applicable Starting Price, and the value
       of a share of such company's common stock at the end of the Performance
       Period shall be the applicable Ending Price.

10.    SUBJECT TO PLAN.

       The Option and the Option Shares granted and issued pursuant to this
Agreement have been granted and issued under, and are subject to the terms
of, the Plan.  The terms of the Plan are incorporated by reference in this
Agreement in their entirety, and the Optionee, by execution of this
Agreement, acknowledges having received a copy of the Plan.  The provisions
of this Agreement will be interpreted as to be consistent with the Plan, and
any ambiguities in this Agreement will be interpreted by reference to the
Plan.  In the event that any provision of this Agreement is inconsistent with
the terms of the Plan, the terms of the Plan will prevail.

11.    MISCELLANEOUS.

       11.1   BINDING EFFECT.  This Agreement will be binding upon the heirs,
executors, administrators and successors of the parties to this Agreement.

       11.2   GOVERNING LAW.  This Agreement and all rights and obligations
under this Agreement will be construed in accordance with the Plan and
governed by the laws of the State of Delaware, without regard to conflicts of
laws provisions.

       11.3   ENTIRE AGREEMENT.  This Agreement and the Plan set forth the
entire agreement and understanding of the parties to this Agreement with
respect to the grant and exercise of the Option and the administration of the
Plan and supersede all prior agreements, arrangements, plans and
understandings relating to the grant and exercise of the Option and the
administration of the Plan.

       11.4   AMENDMENT AND WAIVER.  Other than as provided in the Plan, this
Agreement may be amended, waived, modified or canceled only by a written
instrument executed by the parties to this Agreement or, in the case of a
waiver, by the party waiving compliance.

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The parties to this Agreement have executed this Agreement effective the day
and year first above written.

                                       CERIDIAN CORPORATION

                                       By
                                         --------------------------------------
                                         Its
                                            -----------------------------------

By execution of this Agreement,        OPTIONEE
the Optionee acknowledges having
received a copy of the Plan.
                                       ----------------------------------------
                                                (Signature)

                                       ----------------------------------------
                                               (Name and Address)

                                       ----------------------------------------

                                       ----------------------------------------

                                       Social Security Number:
                                                              -----------------

Version: 11-12-1999

                                       8<PAGE>

Exhibit 10.1  Severance compensation agreement for Kirk Dowdell

                        SEVERANCE COMPENSATION AGREEMENT

This Agreement ("Agreement") is made and entered into as of the 4th day of
December , 1997 between Western Sierra National Bank ("Bank"), and Kirk Dowdell
(hereinafter referred to as "Executive").

                                   WITNESSETH:

WHEREAS, Bank desires to provide Executive with severance compensation in the
event there is a change in control of Bank, and Executive desires severance
compensation in the event there is a change in control of Bank.

NOW, THEREFORE, in consideration of the premises and of the mutual covenants and
conditions herein contained, the parties hereto, intending to be legally bound,
do hereby agree as follows:

1.   SEVERANCE PAYMENT

This Agreement shall not be terminated by the voluntary or involuntary
dissolution of Bank. Notwithstanding the foregoing, in the event proceedings for
liquidation of Bank are commenced by regulatory authorities, this Agreement and
all rights and benefits hereunder shall terminate.

In the event of (i) any merger or consolidation where Bank is (A) not the
surviving or resulting corporation or (B) the surviving corporation and the
shareholders of Western Sierra Bancorp (the "Bancorp") at the time immediately
prior to such merger will own less than 50% on a direct or indirect basis of the
voting equity interests of the surviving corporation after such merger, (ii)
upon transfer of all or substantially all of the assets of Bank, or (iii) a sale
of the equity securities of Bancorp representing more than 50% of the aggregate
voting power of all outstanding equity securities of the Bancorp to any person
or entity, or any group of persons and/or entities acting in concert (any of
these events shall be referred to as an "Acquisition"), this Agreement shall
continue and be in full force and effect. In the event of an Acquisition, if (i)
Executive is not retained by the resulting corporation for the period of time
equal to the number of months provided in the table below that corresponds to
amount of Employer's total assets as of the month-end immediately prior to the
consummation of the Acquisition from the time of consummation of the Acquisition
in a position comparable to that of the highest level senior vice president of
the resulting corporation or a position accepted by Executive or (ii) the
resulting corporation reduces Executive's base salary from Executive's base
salary at the time immediately prior to the Acquisition at any time within the
period of time equal to the number of months provided in the table below that
corresponds to amount of Employer's total assets as of the month-end immediately
prior to the consummation of the Acquisition after the time of consummation of
the Acquisition, then the resulting corporation shall pay Executive a lump sum
amount in cash equal to the product of the number of months provided in the
table below that corresponds to amount of Employer's total assets as of the
month-end immediately prior to the consummation of the Acquisition times the
Executive's monthly base salary at the time immediately prior to the time of
consummation of the Acquisition.

<TABLE>
<CAPTION>

         Total Assets of Employer                   Number of
         in Millions of Dollars                       Months
         ----------------------                       ------
<S>                                                 <C>
              150 or less                               12
              150+ to 200                               16
              200+ to 250                               20
              250 or more                               24
</TABLE>

                                       1
<PAGE>

Such lump sum payment shall be paid within ten (10) days of the date Executive's
employment is terminated by the resulting corporation or Executive leaves
voluntarily because of (i) a change in Executive's position with the resulting
corporation such that Executive is no longer in a position comparable to that of
the lightest level senior vice president of the resulting corporation or a
position accepted by Executive or (ii) a reduction in Executive's base salary at
the closest time prior to the Acquisition. The lump sum payment shall be
considered to be in full and complete satisfaction of any and all rights which
Executive may enjoy other than (i) rights under the Executive's salary
continuation agreement and (ii) rights, if any, to exercise any of the stock
options vested prior to such termination.

2.   TERM OF AGREEMENT

 This Agreement shall be for a term of five ( 5 ) years from the date first
above stated ("Termination Date"). Such Termination Date may be amended or
extended by written agreement of the parties. This Agreement shall apply to any
Acquisition that is (i) consummated prior to the Termination Date provided that
Executive is employed by Bank at the date of public announcement of the
Acquisition or (ii) consummated at any time within one (1) year after the
Termination Date, in the event Executive's employment is terminated without
cause by Bank prior to the Termination Date and such termination is within
twelve (12) months prior to the date of consummation of an Acquisition that was
announced within six (6) months before or after the date of Executive's
termination of employment with Bank.

3.   APPLICABLE LAW

This Agreement is made and entered into in the State of California and the laws
of the State of California shall govern the validity and interpretation hereof,
and the performance of the parties hereto and their respective duties and
obligations hereunder, except to the extent that the provisions of federal law
are mandatorily applicable.

4.   ENTIRE AGREEMENT

This Agreement contains the entire agreement of the parties and it supersedes
any and all other agreements, either oral or in writing, between Executive and
Bank. Each party to this Agreement acknowledges that no representations,
inducements, promises, or agreements, oral or otherwise, have been made by any
party, or anyone acting on behalf of any party, which are not embodied herein,
and that no other agreement, statement, or promise not contained in this
Agreement shall be valid or binding. This Agreement may not be modified or
amended by oral agreement, but only by an agreement in writing signed by Bank
and Executive.

IN WITNESS THEREOF, the parties hereto have executed this Agreement as of the
 day and year first above written.

                                 WESTERN SIERRA NATIONAL BANK

                                 By:
                                    --------------------------------------------
                                    Joseph A. Surra

                                 EXECUTIVE

                                 -----------------------------------------------
                                 Kirk Dowdell

                                       2

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00004-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00004-of-00352.parquet"}]]