Banking & Commercial Law References of Kraft Opich, LLP

Patrick S. Day
Sr. Vice President/ Sr. Credit Officer
First Northern Bank of Dixon
195 N. First Street,
P.O. Box 547
Dixon, CA 95620
(707) 678-3041

Leo J. Graham
Sr. Vice President/General Counsel
North Valley Bank
300 Park Marina Circle
P.O. Box 99460
Redding, CA 96001
(530) 226-2923

John D. Fenner
President
Placer Financial Group, LLP
4470 Yankee Hill Drive,
Suite 210
Rocklin, CA 95677
(916) 625-0300

Mark Wardlow
Sr. Vice President/Chief Lending Officer - California
Umpqua Bank
2998 Douglas Boulevard, Suite 330
Roseville, CA 95661
(916) 783-3925