Kurt G. Hilbers is a director of the Bank and resides in Yuba City, California. Since 1983, Mr. Hilbers has been the owner and President of Hilbers, Inc., a large commercial construction and development company headquartered in Yuba City, California. During 2004, he served as a member of the Advisory Board of Umpqua Bank. Mr. Hilbers graduated from California State University, Chico.