0000840256-08-000109 Sample Contracts

UNITED STATES OF AMERICA BEFORE THE
Written Agreement • September 25th, 2008 • Vineyard National Bancorp • National commercial banks

WHEREAS, in recognition of their common goal to maintain the financial soundness of Vineyard National Bancorp, Corona. California ("VNB"), a registered bank holding company that owns and controls Vineyard Bank, National Association, Corona, California (the "Bank"), a national banking association, and various nonbank subsidiaries, VNB and the Federal Reserve Bank of San Francisco (the “Reserve Bank'') have mutually agreed to enter into this Written Agreement (the “Agreement"); and

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AMENDMENT TO FIFTH MODIFICATION AGREEMENT AND COVENANT WAIVER
Amendment to Fifth Modification Agreement and Covenant Waiver • September 25th, 2008 • Vineyard National Bancorp • National commercial banks

This Amendment to Fifth Modification Agreement and Covenant Waiver (this “Agreement”) is made and effective September 23, 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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