January 17, 2013

RE: UNEXCHANGED NORTH VALLEY BANCORP STOCK CERTIFICATES

Dear Shareholder:
On or about January 11, 2013, you may have received a letter from Georgeson Securities with regard to your North Valley Bancorp shares. In December 2010, North Valley Bancorp authorized a 1-for-5 reverse split of the North Valley Bancorp shares. lf you hold a physical share certificate, you need to exchange that certificate through the Bancorp's transfer agent, Computershare, in order to obtain a new share certificate which reflects the current number of shares you own. You do not need to use the services of Georgeson, if you do not wish. You can cali the following number

1-800-839-2657

and ask to speak with a representative of the Company's transfer agent at Computershare who will assist you in exchanging your shares pursuant to the 1-for-5 reverse stock split.
The exchange will be done without any charge to you, unless you do not have your share certificates. You wìll need to provide the transfer agent with the information requested and your originai North Valley Bancorp share certificate(s) in order to accomplish the exchange. The representative at Computershare will be able to answer ali your questions wìth regard to the process. If you do not have the certificates, they will explain the process you must follow to replace lost certificates.
Sincerely,
NORTH VALLEY BANCORP

V LW2

J. " WELLS

Chairman of the Board of Directors

JMW/mw

300 Park Marina Cirde

Redding, CA 96001

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