0000840256-08-000067 Sample Contracts

THIRD MODIFICATION AGREEMENT AND COVENANT WAIVER
Modification Agreement • May 19th, 2008 • Vineyard National Bancorp • National commercial banks • Tennessee

This Third Modification Agreement and Covenant Waiver (this “Agreement”) is made as of April 11, 2008 but effective March 15, 2008 (the “Effective Date”), by and between VINEYARD NATIONAL BANCORP, a California corporation (“Borrower”) and FIRST TENNESSEE BANK NATIONAL ASSOCIATION (“Lender”). Unless otherwise set forth herein, all capitalized terms used herein shall have the meaning given such terms in the Loan Documents (defined below).

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