Document:

<PAGE>

                                  EXHIBIT 10.1A

                       COMMERCIAL PROPERTY LEASE AGREEMENT

THIS LEASE, between Harry Dudley HEREAFTER designated as Owner, And Tehama Bank
HEREAFTER designated as Tenant is executed in duplicate and is made and
effective as of August 1, 1999.

IT IS AGREED between the parties hereto as follows:

1.   DESCRIPTION OF PREMISES: The Owner hereby leases to Tenant and Tenant
leases from Owner the following two premises: (1) premises located at 333
Main Street, in the city of Red Bluff, county of Tehama, State of California,
and (2) lot located on Washington Street, between Sycamore St. and Ash St.,
in the city of Red Bluff, county of Tehama, State of California, further
described on legal description attached. Each of these properties are further
described on the attached legal descriptions (Attachment A).

2.   TERM: The term of this lease shall be for an initial period of five (5)
years, commencing on August 1, 1999, with four successive five year Extension
Option Periods. Landlord shall deliver possession of the premises to Tenant
by August 1, 1999. Any Tenant improvements necessary to prepare premise
number one for use as a bank facility are the responsibility of Tenant and
shall be constructed in accordance with paragraph 8 of this lease. Any
improvements, and their costs, necessary to prepare premise number two above
to be used as a parking facility are the responsibility of the Owner. Options
to extend the initial terms of this lease must be exercised at least ninety
days prior to the expiration of any lease period.

3.   LEASE PAYMENTS:  Tenant will pay Owner as follows:

     PREMISE #1:  $2,900.00 per month for the first twelve months, commencing
                on the first date that Tenant makes premises open to the public
                for Bank Business, with the lease payment for the first month
                pro-rated from the date of opening to the end of the month.
                Monthly lease payment for each successive twelve month period of
                this lease, in years two through ten (this period encompasses
                the initial period and the first Extension Option Period) shall
                be increased by 2% of the amount of the preceding period.
                Monthly lease payment in years eleven through twenty-five
                (Extension Option Periods two, three and four) shall be
                negotiated each time the lease is extended.

     PREMISE #2:  $575.00 per month for the first twelve months, commencing on
                the first date that Tenant makes premises open to the public for
                Bank Business, with the lease payment for the first month
                pro-rated from the date of opening to the end of the month.
                Monthly lease payment for each successive twelve month period of
                this lease, in years two through ten (this period encompasses
                the initial period and the first Extension Option Period) shall
                be increased by 2% of the amount of the preceding period.
                Monthly lease payment in years eleven through twenty-five
                (Extension Option Periods two, three and four) shall be
                negotiated each time the lease is extended.

         All rents shall be paid to Owner pursuant to the instructions set forth
in attachment B.

4.   USE: The premises are to be used for the operation of a Branch Banking
Office (premise #1), a parking facility (premise #2) and any other legally
permitted uses incidental thereto.

Tenant shall not vacate premises and subsequently assign or sublet premises
without the written consent of the Owner. Such consent shall not be
unreasonably withheld, delayed or conditioned. No consent shall be required
for any assignment to an affiliated entity (parent, subsidiary or other
affiliate) or to a successor entity (by stock or asset purchase or by
merger). No consent shall be required for the Bank to permit concurrent use
of part of the premises by any business acceptable to Tenant and compatible
with Tenant's business. Any assignment or subletting subject to Owner's
consent, without such consent, shall be void and, at the option of the Owner,
may terminate this lease.

                                       12
<PAGE>

5.   REPAIRS AND MAINTENANCE: Tenant shall at all times maintain both of the
premises in a clean, neat, and orderly condition.

Tenant shall keep and maintain each of the premises, including but not
limited to, the exterior entry and exit doors, cooling and heating units,
plumbing, plate glass and glazing, in good order, condition, and repair and
in compliance with all laws and regulations applicable thereto, during the
term of this lease.

Tenant shall pay for all utilities, licenses, permits, fees, and services
supplied to the premises in connection with the operation of the business
Tenant is conducting on these premises.

Tenant shall keep and maintain the roof, exterior walls, and all underground
plumbing in good repair.

6.   INDEMNIFICATION OF OWNER: Tenant agrees to protect, indemnify, and save
Owner harmless from and against any and all liability to third parties
resulting from Tenant occupation and the use of the premises. Specifically
including, without limitation, any claim, liability, loss or damage arising
out of the death or injury to a person, work performed on the premises, and
the Tenant's failure to perform any duty. Tenant also agrees the indemnity
includes the cost of defense, attorney fees and court costs. Any damages,
claims or liability arising from the negligent or willful act or omission of
Owner or its agents, employees, contractors or invitees are excluded from the
indemnity.

7.   INSURANCE: Tenant agrees to obtain liability insurance and keep said policy
or policies in force at all times during the term of the lease. Tenant shall
request insurer that Owner be placed on policy as additional insured. The
liability under such insurance shall not be less than $1,000,000.00.

Tenant agrees to obtain fire insurance on building, fixtures, equipment,
inventory of at least 80% of the insurable value and keep said policy in
force at all times during term of this lease. Tenant shall request insurer
that Owner be placed on the policy as a loss payee.

Tenant agrees to obtain and keep in force worker's compensation insurance
required by the laws of the State of California.

8.   ALTERATIONS AND IMPROVEMENTS: Tenant shall be allowed to make
non-structural alterations, as it sees necessary to conduct its normal course
of business. Tenant agrees to remove improvements and restore premises to
original condition at the end of the Lease term unless Owner's written
approval of improvements is, or was previously, obtained. Ownership rights of
any alterations or improvements shall remain with Tenant.

Tenant shall keep the premises and the property in the premises free and
clear of any liens arising out of work performed, materials furnished, or any
obligation incurred by Tenant, and shall indemnify Owner and the premises and
improvements placed thereon from all claims, liens, demands, charges,
encumbrances, or litigation, and shall reimburse Owner for all loss, damage,
and expense, including attorney's fees, which Owner may suffer.

9.   REMOVAL OF TRADE FIXTURES OF TENANT AT END OF TERM: Upon condition that
Tenant is in full and complete compliance with all provisions of this lease,
Tenant may remove all unattached moveable items belonging to Tenant. If certain
fixtures, alterations or improvements have occurred or been allowed per
paragraph 8, they may be removed if Tenant returns the premises to as good a
condition as existed before installation of same. Should damage occur to the
building due to such removal, Tenant agrees to repair said damage at its own
expense.

10.  ACCEPTANCE OF PREMISES AS IS - SURRENDER AT END OF TERM: By entry
hereunder, Tenant accepts the premises as being in good and sanitary
condition and repair. Tenant agrees on the last day of said term or sooner
termination of this lease, to surrender unto Owner the premises in the same
condition as when received, reasonable use and wear, acts of God or damage
beyond the control of Tenant excepted. Tenant also agrees to remove all signs
relating to the Tenant.

11.  CONDEMNATION: In the event of any assertion or claim by any governmental
entity against all or part of the premises, by way of condemnation or eminent
domain, the Tenant shall have the right to terminate the lease if it deems that
the claim adversely affects its ability to continue to conduct its business at
that location. Should the Tenant exercise its right to terminate the lease and
vacate the premises, any condemnation award would belong to the Owner. Should
the Tenant not exercise its right to terminate the lease and vacate the
premises, any condemnation award received would be made available by the Owner
to alter or improve the premises, or access to the premises, to correct any
deficiency that is a result of the condemnation/eminent domain action.

12. TAXES: Payment of property taxes on all premises is the responsibility of
the Tenant. The Owner is responsible for forwarding the property tax bill in a
timely manner to the Tenant.

13. WAIVER OF SUBROGATION: Owner and Tenant waive, for themselves and their
insurers, any claims they may have against each other to the extent that the
claims are covered by insurance.

14. DEFAULTS/REMEDIES: Tenant shall not be considered in default of any of the
terms or obligations of this lease unless it fails to pay or perform within
seven days after written notice of monetary default is received from Owner or it
fails to pay or perform within thirty days after written notice of non-monetary
default is received from Owner.

                                       13

<PAGE>

15.  COVENANT OF QUIET ENJOYMENT: Owner agrees not to disturb Tenant's rights
in the premises so long as Tenant performs and observes its obligations under
the lease.

16.  FORCE MAJEURE: Tenant shall be excused from any failure to perform its
obligations if and so long as the failure is due to circumstances beyond its
reasonable control.

17.  BINDING ON SUCCESSORS. The covenants and conditions herein contained
shall, subject to the provisions as to assignment, inure to the benefit of
and be binding on the heirs, successors, executors, administrators and
assigns of all parties hereto.

18.  ENTIRE AGREEMENT: Owner and Tenant agree that there are no other
documents, agreements or understandings that define the nature of their
relationship, and that this lease agreement comprises the entire agreement
between the parties.

19.  ATTORNEY FEES: Should any issue or dispute relative to this lease result
in litigation, the prevailing party in such litigation shall be entitled to
reimbursement of all attorney fees as a result of that litigation.

20.  AMENDMENTS TO BE IN WRITING: This lease may be modified or amended only
by a writing duly authorized and executed by both Owner and Tenant. It may
not be amended or modified by oral agreement or understanding between parties
unless the same shall be reduced to writing duly authorized and executed by
both Tenant and Owner.

21.  TENANT TERMINATION: Should Tenant wish to terminate this lease earlier
than the years agreed upon, Owner will release Tenant from its obligations
provided Tenant pays in US funds the equivalent of six months rent.

22.  HOLDING OVER: Any holding over after the expiration of the term, with
the consent of Owner, shall be construed to be tenancy from month to month,
at the same rent Tenant was paying during the immediately preceding lease
term, and shall be on the same terms and conditions herein specified, so far
as applicable.

EXECUTED AT RED BLUFF, CALIFORNIA ON SEPTEMBER 22, 1999.

OWNER:                                           TENANT:  TEHAMA BANK

BY:        /S/ HARRY DUDLEY                      BY:   ./S/ WILLIAM P. ELLISON
     ----------------------------                -------------------------------
         Harry Dudley                                  William P. Ellison
         Owner                                         CEO, Tehama Bank
                                                       Tenant

                                       14<PAGE>
                                EXHIBIT 10.6

                                ADDENDUM 2

This is an addendum to the Agreement entered into by and between Cardservice
International, Inc., hereinafter "CARDSERVICE", and Tehama Bank, hereinafter
"BANK", on July 1, 1994.

The parties mutually desire amend the agreement as follows:

SECTION 2.1:

The August 1, 1996 Addendum to this Section is hereby revoked and is replaced
with the following:

         Beginning March 1, 1999, and continuing each month there after the BANK
shall retain for itself that portion of the Merchant Fees for COVERED MERCHANTS
as follows:
<TABLE>
         <S>                        <C>
         Months 1 through 5                 $90,000
         Months 6 through 12        $80,000
         Months 13 through 18       $70,000
         Months 19 through 24       $60,000
         Months 25 through 60       $50,000

</TABLE>

Additionally, BANK shall pay or credit CARDSERVICE monthly with 50% of the
earnings on all non-disbursed funds held in the Operating Account(s), Security
Account(s) and the Bancontrol Account(s). BANK shall provide a report showing
the earnings calculation.

Except for those amounts identified in sections 1.3, 1.4 and 2.3 a), b), c), d),
f), g), AND h), of this Agreement, CARDSERVICE shall be entitled to all
remaining funds.

SECTION 2.5:

This new section is to be added:

Processing Volume: The following are maximum volumes of Net Bankcard Sales to be
permitted each month:

<TABLE>
         <S>                        <C>
         Months 1 through 12        $120,000,000
         Months 12 through 24       $140,000,000
         Months 25 through 36       $160,000,000
         Months 37 through 48       $180,000,000
         Months 49 through 60       $200,000,000

</TABLE>

SECTION 3.2:

The existing Section 3.2 is hereby revoked and replaced with the following:

BANK agrees that until March 1, 2001, CARDSERVICE shall be the BANK'S exclusive
outside provider of merchant credit card marketing and business development
services.

At the termination of this agreement BANK shall assign, convey, and transfer to
CARDSERVICE any and all of BANK'S rights, titles and interests, including any
security interests, in the Covered Merchants without any additional
consideration and subject to applicable Card Association Rules. Accordingly,
BANK shall permit and authorize CARDSERVICE to transfer the Covered Merchants to
another financial institution selected by CARDSERVICE, and BANK agrees to fully
cooperate with CARDSERVICE and use its best efforts to carry out the transfers
contemplated by this Addendum. Without limiting the foregoing, at termination
BANK agrees, at CARDSERVICE'S request, to immediately transfer BINS, ICA's and
all Bancontrol and Security Deposits to another financial institution selected
by CARDSERVICE.

                                   15
<PAGE>

BANK hereby agrees that, during the term of this Agreement, including any
renewal or extension thereof, and for a period of three (3) years following the
termination of this Agreement, BANK shall keep confidential and shall not use,
disclose or divulge for any purposes, other than a non-merchant BANK
relationship, any and all information with respect to Covered Merchants which
BANK has obtained, directly or indirectly, as a consequence of this Agreement.

SECTION 10:

This section shall have the following modification:

Unless renewed this Agreement shall terminate on March 1, 2004.

All other terms and conditions of the Agreement remain in force.

Any breach of this addendum shall constitute a breach of the July 1, 1994
Agreement and the August 1, 1996 Addendum.

IN WITNESS WHEREOF, each of the parties has caused this Addendum to be executed
on its behalf by a duly authorized representative on the day written below.

<TABLE>
<CAPTION>

TEHAMA BANK                                                   CARDSERVICE INTERNATIONAL, INC.
<S>                                                           <C>
NAME:             /s/ WILLIAM E. ELLISON                      NAME:             /s/ DON HEADLUND
      ---------------------------------------                      ----------------------------------------

TITLE:            PRESIDENT & CEO                             TITLE:            CHIEF FINANCIAL OFFICER
      ---------------------------------------                      ----------------------------------------

DATE:             3/24/99                                     DATE:             3/24/99
      ---------------------------------------                      ----------------------------------------

</TABLE>

                                                    16

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00005-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00005-of-00352.parquet"}]]