$ 141,200.00 APRIL 23, 1998
FOR VALUE RECEIVED, the undersigned SHIRLEY W. NELSON (the "MAKER"), promises to pay to
SUMMIT BANCSHARES, INC. (the "PAYEE"), or order, in Oakland, California, or at such other place as
PAYEE may from time to time designate, in United States of America currency, the sum of ONE HUNDRED
FORTY ONE THOUSAND TWO HUNDRED DOLLARS ($141,200.00), with interest on the unpaid
principal balance. Interest shall accrue from the date of this Note at the rate of five and seventy-six one
hundredths per cent (5.76%) per annum.
Accrued interest, if any, shall be payable annually, commencing on the first anniversary date of this Note. Any
unpaid accrued interest and principal shall be due and payable (a) on or before the third anniversary date of this
(b) upon the resignation or termination of employment of MAKER, whichever first occurs.
The MAKER shall have the right to prepay all or any part of the unpaid principal of this Note from time to time
without any penalty or premium, provided that any such prepayments shall be applied first against any accrued
interest, and then against principal.
The MAKER shall be deemed to be in default if MAKER fails to pay any installment of interest within thirty (30)
days after the due date. In such event, the total sum of principal and accrued interest shall become immediately
due and payable at the option of PAYEE or other assignee of this Note.
If a party breaches this Note, the breaching party shall pay all costs and attorneys' fees incurred by the other
party in connection with such breach, whether or not any litigation is commenced.
This Note is secured by a pledge of certain of PAYEE's Common Stock held by MAKER pursuant to a Pledge
Agreement dated of even date herewith.
Consent by PAYEE or other assignee of the Note to waive one default shall not be deemed to be a waiver of the
right to waive future or successive defaults.
This Note shall be governed as to its const