Exhibit 10.2

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AMENDMENT TO FIFTH MODIFICATION AGREEMENT
 
AND COVENANT WAIVER
 
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).

WHEREAS, in connection with a loan from Lender to Borrower in the original
principal amount of $70,000,000.00, with a current outstanding principal loan
balance of $48,300,000.00 (the “Loan”), the Borrower executed and delivered to
Lender that certain Amended and Restated Promissory Note (“Note”) dated March
29, 2007, that certain Loan Agreement (“Loan Agreement”), that certain  Pledge
Agreement together with Addendum to Pledge Agreement (collectively the
“Pledge”), each dated as of March 17, 2006, that certain Modification Agreement
effective as of May 11, 2006 (“First Modification”), that certain Second
Modification Agreement and Covenant Waiver effective as of March 29, 2007
(“Second Modification”), that certain Third Modification Agreement and Covenant
Waiver effective as of March 15, 2008 (“Third Modification”), that certain
Fourth Modification Agreement and Covenant Waiver effective as of June 30, 2008
(“Fourth Modification”) and that certain Fifth Modification Agreement and
Covenant Waiver dated and effective as of August 29, 2008 (“Fifth Modification”)
(this Agreement, the Note, the Loan Agreement, the Pledge, the First
Modification, the Second Modification, the Third Modification, the Fourth
Modification and the Fifth Modification and any other documents executed by
Borrower in connection with the Loan are collectively herein referred to as the
“Loan Documents”);

WHEREAS, Borrower and Lender now desire to amend the definition of the
“Additional Waiver” set forth in Exhibit A to the Fifth Modification by deleting
said Exhibit A and replacing it with Exhibit A attached to this Agreement, as
set forth below;

NOW, THEREFORE, FOR MUTUAL CONSIDERATIONS, the receipt and sufficiency of which
is hereby acknowledged, the undersigned Borrower and Lender do hereby agree as
follows:

1) Amendment.  Borrower and Lender hereby amend the definition of “Additional
Waiver” set forth in the Fifth Modification by hereby deleting ExhibitA of the
Fifth Modification in its entirety and hereby substituting in its place Exhibit
A attached to this Agreement and incorporated herein by reference.
 
2) Full Force and Effect.  Except as expressly amended hereby, the Loan
Documents (including without limitation, the Fifth Modification) are in all
respects confirmed, ratified and approved and are in full force and effect as of
the date hereof.
 

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3) Capitalized Terms.  Any capitalized term used but not defined herein shall
have the meaning ascribed to it in the Fifth Modification.  All references to
the “Loan Documents” in the Fifth Modification and any of the other Loan
Documents shall include, without limitation, this Agreement and all other such
Loan Documents, as modified by this Agreement.
 
4) Time of the Essence.                                                      
TIME IS OF THE ESSENCE OF THIS AGREEMENT.
 
5) Counterpart Signature Pages.  This Agreement may be executed in one or more
counterparts and may be delivered by facsimile or electronic mail, each of which
shall be deemed an original and all of which together shall constitute one and
the same instrument.
 
[Signature Pages to Follow]
 

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COUNTER PART SIGNATURE PAGE TO
AMENDMENT TOFIFTH MODIFICATION AGREEMENT
AND COVENANT WAIVER

IN WITNESS WHEREOF, the parties have executed this Agreement as of the date
first above written.

BORROWER:

VINEYARD NATIONAL BANCORP,
a Californiacorporation

By: /s/ James G. LeSieur                                                     

Name: James G.
LeSieur                                                               

Title: Chief Executive
Officer                                                               

STATE OF CALIFORNIA
COUNTY OF RIVERSIDE

Before me, Elizabeth A.Reyes, Notary Public of the state and county aforesaid,
personally appeared James G. LeSieur, with whom I am personally acquainted (or
proved to me on the basis of satisfactory evidence), and who, upon oath,
acknowledged himself to be Chief Executive Officer (or other officer authorized
to execute the instrument) of VINEYARD NATIONAL BANCORP, a California
corporation, the within named bargainor, and that he as such Chief Executive
Officer, executed the foregoing instrument for the purpose therein contained, by
signing the name of the corporation by himself as Chief Executive Officer.

WITNESS MY HAND, at office, this 23rd day of September, 2008.

_/s/ Elizabeth A. Reyes_____________
Notary Public

My Commission Expires:

_January 24, 2010______________________
 

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COUNTER PART SIGNATURE PAGE TO
AMENDMENT TO FIFTH MODIFICATION AGREEMENT
AND COVENANT WAIVER

IN WITNESS WHEREOF, the parties have executed this Agreement as of the date
first above written.

LENDER:

FIRST TENNESSEE BANK NATIONALASSOCIATION, a national banking association

By: /s/ David S. Work                                                     
Name:  David S.
Work                                                               

Title: Executive Vice
President                                                               

STATE OF TENNESSEE
COUNTY OF SHELBY

Before me, Carly Wilson, Notary Public of the state and county aforesaid,
personally appeared David S. Work, with whom I am personally acquainted (or
proved to me on the basis of satisfactory evidence), and who, upon oath,
acknowledged himself to be Executive Vice President (or other officer authorized
to execute the instrument) of First Tennessee Bank National Association, a
national banking association, the within named bargainor, and that he as such
Executive Vice President, executed the foregoing instrument for the purpose
therein contained, by signing the name of the national banking association by
himself as Executive Vice President.

WITNESS MY HAND, at office, this 22nd day of September, 2008.

___/s/ Carly Wilson___________________
Notary Public

My Commission Expires:

__February 23, 2011___________________
 

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EXHIBIT A

ADDITIONAL WAIVER

Borrower has disclosed to and has requested from Lender the Additional Waiver as
a result of Borrower’s noncompliance with Section 3.5 (Litigation) of the Loan
Agreement due (i) to the issuance of a Consent Order on July 22, 2008 by the
Comptroller of the Currency of the United States of America and Borrower’s
agreement to a Stipulation and Consent to the Issuance of the Consent
Orderand (ii) to an Agreement between Borrower and the Federal Reserve Bank of
San Francisco dated September 23, 2008.

 
 
 
 

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