0000840256-08-000083 Sample Contracts

FOURTH MODIFICATION AGREEMENT AND COVENANT WAIVER
Fourth Modification Agreement and Covenant Waiver • July 3rd, 2008 • Vineyard National Bancorp • National commercial banks • Tennessee

This Fourth Modification Agreement and Covenant Waiver (this “Agreement”) is made as of July 1, 2008 but effective June 30, 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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