##### 



CAPITAL CORP OF THE WEST,
as Issuer
 INDENTURE
 Dated as of October 31, 2007
 WILMINGTON TRUST COMPANY,
as Trustee
 FLOATING RATE JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES
 DUE 2037




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TABLE OF CONTENTS
 PageARTICLE I. DEFINITIONS
    
    
    1Section 1.1.
    
    Definitions
    
    
    1ARTICLE II. DEBENTURES
    
    
    8Section 2.1.
    
    Authentication and Dating
    
    
    8Section 2.2.
    
    Form of Trustees Certificate of Authentication
    
    
    9Section 2.3.
    
    Form and Denomination of Debentures
    
    
    9Section 2.4.
    
    Execution of Debentures
    
    
    9Section 2.5.
    
    Exchange and Registration of Transfer of Debentures
    
    
    10Section 2.6.
    
    Mutilated, Destroyed, Lost or Stolen Debentures
    
    
    12Section 2.7.
    
    Temporary Debentures
    
    
    12Section 2.8.
    
    Payment of Interest and Additional Interest
    
    
    13Section 2.9.
    
    Cancellation of Debentures Paid, etc.
    
    
    14Section 2.10.
    
    Computation of Interest
    
    
    14Section 2.11.
    
    Extension of Interest Payment Period
    
    
    15Section 2.12.
    
    CUSIP Numbers
    
    
    17Section 2.13.
    
    Global Debentures
    
    
    17ARTICLE III. PARTICULAR COVENANTS OF THE COMPANY
    
    
    19Section 3.1.
    
    Payment of Principal, Premium and Interest; Agreed Treatment of the Debentures
    
    
    19Section 3.2.
    
    Offices for Notices and Payments, etc.
    
    
    19Section 3.3.
    
    Appointments to Fill Vacancies in Trustees Office
    
    
    20Section 3.4.
    
    Provision as to Paying Agent
    
    
    20Section 3.5.
    
    Certificate to Trustee
    
    
    21Section 3.6.
    
    Additional Sums
    
    
    21Section 3.7.
    
    Compliance with Consolidation Provisions
    
    
    21Section 3.8.
    
    Limitation on Dividends
    
    
    21Section 3.9.
    
    Covenants as to the Trust
    
    
    22Section 3.10.
    
    Additional Junior Indebtedness
    
    
    22Section 3.11.
    
    Subsidiary; Insured Depository Institution
    
    
    22ARTICLE IV. SECURITYHOLDERS LISTS AND REPORTS BY THE COMPANY AND THE TRUSTEE
    
    
    22Section 4.1.
    
    Securityholders Lists
    
    
    22Section 4.2.
    
    Preservation and Disclosure of Lists
    
    
    23Section 4.3.
    
    Reports by the Company
    
    
    24ARTICLE V. REMEDIES OF THE TRUSTEE AND SECURITYHOLDERS UPON AN EVENT OF DEFAULT
    
    
    24Section 5.1.
    
    Events of Default
    
    
    24Section 5.2.
    
    Payment of Debentures on Default; Suit Therefor
    
    
    26Section 5.3.
    
    Application of Moneys Collected by Trustee
    
    
    27Section 5.4.
    
    Proceedings by Securityholders
    
    
    27
 i




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PageSection 5.5.
    
    Proceedings by Trustee
    
    
    28Section 5.6.
    
    Remedies Cumulative and Continuing; Delay or Omission Not a Waiver
    
    
    28Section 5.7.
    
    Direction of Proceedings and Waiver of Defaults by Majority of Securityholders
    
    
    28Section 5.8.
    
    Notice of Defaults
    
    
    29Section 5.9.
    
    Undertaking to Pay Costs
    
    
    29ARTICLE VI. CONCERNING THE TRUSTEE
    
    
    29Section 6.1.
    
    Duties and Responsibilities of Trustee
    
    
    29Section 6.2.
    
    Reliance on Documents, Opinions, etc.
    
    
    30Section 6.3.
    
    No Responsibility for Recitals, etc.
    
    
    31Section 6.4.
    
    Trustee, Authenticating Agent, Paying Agents, Transfer Agents or Registrar May Own Debentures
    
    
    31Section 6.5.
    
    Moneys to be Held in Trust
    
    
    31Section 6.6.
    
    Compensation and Expenses of Trustee
    
    
    32Section 6.7.
    
    Officers Certificate as Evidence
    
    
    32Section 6.8.
    
    Eligibility of Trustee
    
    
    32Section 6.9.
    
    Resignation or Removal of Trustee
    
    
    33Section 6.10.
    
    Acceptance by Successor Trustee
    
    
    34Section 6.11.
    
    Succession by Merger, etc.
    
    
    35Section 6.12.
    
    Authenticating Agents
    
    
    35ARTICLE VII. CONCERNING THE SECURITYHOLDERS
    
    
    36Section 7.1.
    
    Action by Securityholders
    
    
    36Section 7.2.
    
    Proof of Execution by Securityholders
    
    
    36Section 7.3.
    
    Who Are Deemed Absolute Owners
    
    
    36Section 7.4.
    
    Debentures Owned by Company Deemed Not Outstanding
    
    
    37Section 7.5.
    
    Revocation of Consents; Future Holders Bound
    
    
    37ARTICLE VIII. SECURITYHOLDERS MEETINGS
    
    
    37Section 8.1.
    
    Purposes of Meetings
    
    
    37Section 8.2.
    
    Call of Meetings by Trustee
    
    
    38Section 8.3.
    
    Call of Meetings by Company or Securityholders
    
    
    38Section 8.4.
    
    Qualifications for Voting
    
    
    38Section 8.5.
    
    Regulations
    
    
    38Section 8.6.
    
    Voting
    
    
    39Section 8.7.
    
    Quorum; Actions
    
    
    39ARTICLE IX. SUPPLEMENTAL INDENTURES
    
    
    40Section 9.1.
    
    Supplemental Indentures without Consent of Securityholders
    
    
    40Section 9.2.
    
    Supplemental Indentures with Consent of Securityholders
    
    
    41Section 9.3.
    
    Effect of Supplemental Indentures
    
    
    42Section 9.4.
    
    Notation on Debentures
    
    
    42Section 9.5.
    
    Evidence of Compliance of Supplemental Indenture to be Furnished to Trustee
    
    
    42ARTICLE X. REDEMPTION OF SECURITIES
    
    
    42Section 10.1.
    
    Optional Redemption
    
    
    42Section 10.2.
    
    Special Event Redemption
    
    
    42
 ii




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PageSection 10.3.
    
    Notice of Redemption; Selection of Debentures
    
    
    42Section 10.4.
    
    Payment of Debentures Called for Redemption
    
    
    43ARTICLE XI. CONSOLIDATION, MERGER, SALE, CONVEYANCE AND LEASE
    
    
    43Section 11.1.
    
    Company May Consolidate, etc., on Certain Terms
    
    
    43Section 11.2.
    
    Successor Entity to be Substituted
    
    
    44Section 11.3.
    
    Opinion of Counsel to be Given to Trustee
    
    
    44ARTICLE XII. SATISFACTION AND DISCHARGE OF INDENTURE
    
    
    44Section 12.1.
    
    Discharge of Indenture
    
    
    44Section 12.2.
    
    Deposited Moneys to be Held in Trust by Trustee
    
    
    45Section 12.3.
    
    Paying Agent to Repay Moneys Held
    
    
    45Section 12.4.
    
    Return of Unclaimed Moneys
    
    
    45ARTICLE XIII. IMMUNITY OF INCORPORATORS, STOCKHOLDERS, OFFICERS AND DIRECTORS
    
    
    45Section 13.1.
    
    Indenture and Debentures Solely Corporate Obligations
    
    
    45ARTICLE XIV. MISCELLANEOUS PROVISIONS
    
    
    46Section 14.1.
    
    Successors
    
    
    46Section 14.2.
    
    Official Acts by Successor Entity
    
    
    46Section 14.3.
    
    Surrender of Company Powers
    
    
    46Section 14.4.
    
    Addresses for Notices, etc.
    
    
    46Section 14.5.
    
    Governing Law
    
    
    46Section 14.6.
    
    Evidence of Compliance with Conditions Precedent
    
    
    46Section 14.7.
    
    Table of Contents, Headings, etc.
    
    
    47Section 14.8.
    
    Execution in Counterparts
    
    
    47Section 14.9.
    
    Separability
    
    
    47Section 14.10.
    
    Assignment
    
    
    47Section 14.11.
    
    Acknowledgment of Rights
    
    
    47ARTICLE XV. SUBORDINATION OF DEBENTURES
    
    
    47Section 15.1.
    
    Agreement to Subordinate
    
    
    47Section 15.2.
    
    Default on Senior Indebtedness
    
    
    48Section 15.3.
    
    Liquidation, Dissolution, Bankruptcy
    
    
    48Section 15.4.
    
    Subrogation
    
    
    49Section 15.5.
    
    Trustee to Effectuate Subordination
    
    
    50Section 15.6.
    
    Notice by the Company
    
    
    50Section 15.7.
    
    Rights of the Trustee; Holders of Senior Indebtedness
    
    
    51Section 15.8.
    
    Subordination May Not Be Impaired
    
    
    51
 Exhibit A
    
    Form of Floating Rate Junior Subordinated Deferrable Interest DebentureExhibit B
    
    Form of Certificate to TrusteeExhibit C
    
    Form of Quarterly Report
 iii




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Company Trustee
  Debentures
    ARTICLE I.  DEFINITIONS
 Section 1.1. Definitions
 Acceleration Event of Default
 Additional Interest
 Additional Junior Indebtedness provided however
 1




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Additional Sums
 Affiliate
 Applicable Depositary Procedures
 Authenticating Agent
 Bankruptcy Law
 Board of Directors
 Board Resolution
 Book-Entry Capital Securities
 Business Day
 Capital Securities pari passu provided however
 Capital Securities Guarantee
 Capital Treatment Event
 2




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provided however provided further however
 Certificate
 Common Securities pari passu provided however
 Company
 Coupon Rate
 Debenture Debentures
 Debenture Register
 Declaration
 Default
 Defaulted Interest
 Depositary
 Depositary Participant
 Determination Date
 Distribution Period
 3




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DTC
 Event of Default
 Exchange Act
 Extension Period
 Federal Reserve
 Global Debenture
 Indenture
 Institutional Trustee
 Interest Payment Date
 Interest Rate
 Investment Company Event
 Liquidation Amount
 Maturity Date
 Officers Certificate
 4




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Opinion of Counsel
 OTS
 outstanding
  provided however
  Person
 Predecessor Security
 Principal Office of the Trustee
 Redemption Date
 Redemption Price
 Responsible Officer
 5




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Reuters Page LIBOR01
 Securities Act
 Securityholder
 Senior Indebtedness pari
passu pari passu
 Special Event
 Special Redemption Date
 Special Redemption Price
 6




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Month in which SpecialRedemption Date Occurs
    
    Special Redemption PriceDecember 2007
    
    104.625%March 2008
    
    104.300%June 2008
    
    104.000%September 2008
    
    103.650%December 2008
    
    103.350%March 2009
    
    103.000%June 2009
    
    102.700%September 2009
    
    102.350%December 2009
    
    102.050%March 2010
    
    101.700%June 2010
    
    101.400%September 2010
    
    101.050%December 2010
    
    100.750%March 2011
    
    100.450%June 2011
    
    100.200%September 2011 and thereafter
    
    100.000%
  Subsidiary
 7




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Tax Event Administrative
Action
 3-Month LIBOR
 Trust
 Trust Securities
 Trustee
 ARTICLE II.  DEBENTURES
 Section 2.1. Authentication and Dating .
   8




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Section 2.2. Form of Trustees Certificate of Authentication .
  WILMINGTON TRUST COMPANY, as TrusteeByAuthorized Signer Section 2.3. Form and Denomination of Debentures .
 Section 2.4. Execution of Debentures .
 9




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Section 2.5. Exchange and Registration of Transfer of Debentures . Debenture Register
      10




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11




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Section 2.6. Mutilated, Destroyed, Lost or Stolen Debentures .
   Section 2.7. Temporary Debentures .
 12




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Section 2.8. Payment of Interest and Additional Interest .
 Coupon Rate
 Defaulted
Interest
 13




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provided however
    Section 2.9. Cancellation of Debentures Paid, etc .
 Section 2.10. Computation of Interest .
 3-Month LIBOR
  14




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Determination Date
   Section 2.11. Extension of Interest Payment Period .
 15




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Extension Period Additional Interest provided however provided further however pari passu
 16




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Section 2.12. CUSIP Numbers .
 Section 2.13. Global Debentures .
    17




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18




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ARTICLE III.  PARTICULAR COVENANTS OF THE COMPANY
 Section 3.1. Payment of Principal, Premium and Interest; Agreed Treatment of the
Debentures
    pari passu
 Section 3.2. Offices for Notices and Payments, etc .
  19




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provided however
 Section 3.3. Appointments to Fill Vacancies in Trustees Office .
 Section 3.4. Provision as to Paying Agent
         20




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Section 3.5. Certificate to Trustee . Exhibit B
 Section 3.6. Additional Sums . Additional
Sums provided however
 Section 3.7. Compliance with Consolidation Provisions .
 Section 3.8. Limitation on Dividends . pari passu
 21




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Section 3.9. Covenants as to the Trust . provided however
 Section 3.10. Additional Junior Indebtedness pari passu
 Section 3.11. Subsidiary; Insured Depository Institution
 ARTICLE IV.  SECURITYHOLDERS LISTS AND REPORTS  BY THE COMPANY AND THE TRUSTEE
 Section 4.1. Securityholders Lists .
   22




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Section 4.2. Preservation and Disclosure of Lists
       23




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Section 4.3. Reports by the Company
  Exhibit C
 ARTICLE V.  REMEDIES OF THE TRUSTEE AND SECURITYHOLDERS  UPON AN EVENT OF DEFAULT
 Section 5.1. Events of Default
      24




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25




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Section 5.2. Payment of Debentures on Default; Suit Therefor .
  (i)
    
    to file and prove a claim or claims for the whole amount of principal and
interest owing and unpaid in respect of the Debentures,(ii)
    
    in case of any judicial proceedings, to file such proofs of claim and other
papers or documents as may be necessary or advisable in order to have the claims of the
Trustee (including any claim for reasonable compensation to the Trustee and each
predecessor Trustee, and their respective agents, attorneys and counsel, and for
reimbursement of all other amounts due to the Trustee under Section 6.6), and of the
Securityholders allowed in such judicial proceedings relative to the Company or any
other obligor on the Debentures, or to the creditors or property of the Company or such
other obligor, unless prohibited by applicable law and regulations, to vote on behalf
of the holders of the Debentures in any election of a trustee or a standby trustee in
arrangement, reorganization, liquidation or other bankruptcy or insolvency proceedings
or Person performing similar functions in comparable proceedings,(iii)
    
    to collect and receive any moneys or other property payable or deliverable on
any such claims, and(iv)
    
    to distribute the same after the deduction of its charges and expenses.
  26




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Section 5.3. Application of Moneys Collected by Trustee .
     Section 5.4. Proceedings by Securityholders .
  27




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Section 5.5. Proceedings by Trustee .
 Section 5.6. Remedies Cumulative and Continuing; Delay or Omission Not a Waiver .
 Section 5.7. Direction of Proceedings and Waiver of Defaults by Majority of
Securityholders . provided however
 provided however provided further
 28




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Section 5.8. Notice of Defaults . provided however
 Section 5.9. Undertaking to Pay Costs . provided however
 ARTICLE VI.  CONCERNING THE TRUSTEE
 Section 6.1. Duties and Responsibilities of Trustee .
   29




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Section 6.2. Reliance on Documents, Opinions, etc .
     30




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provided however
   Section 6.3. No Responsibility for Recitals, etc .
 Section 6.4. Trustee, Authenticating Agent, Paying Agents, Transfer Agents or Registrar
May Own Debentures .
 Section 6.5. Moneys to be Held in Trust .
 31




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Section 6.6. Compensation and Expenses of Trustee .
    Section 6.7. Officers Certificate as Evidence .
 Section 6.8. Eligibility of Trustee .
 32




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Section 6.9. Resignation or Removal of Trustee
       33




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Section 6.10. Acceptance by Successor Trustee .
     34




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Section 6.11. Succession by Merger, etc . provided
 provided however
 Section 6.12. Authenticating Agents . provided however
   35




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ARTICLE VII.  CONCERNING THE SECURITYHOLDERS
 Section 7.1. Action by Securityholders .
 provided however
 Section 7.2. Proof of Execution by Securityholders .
  Section 7.3. Who Are Deemed Absolute Owners .
 36




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Section 7.4. Debentures Owned by Company Deemed Not Outstanding . provided however
 Section 7.5. Revocation of Consents; Future Holders Bound .
 ARTICLE VIII.  SECURITYHOLDERS MEETINGS
 Section 8.1. Purposes of Meetings .
    37




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Section 8.2. Call of Meetings by Trustee .
 Section 8.3. Call of Meetings by Company or Securityholders .
 Section 8.4. Qualifications for Voting .
 Section 8.5. Regulations .
  provided however
 38




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Section 8.6. Voting .
  Section 8.7. Quorum; Actions. provided however
 provided however
 39




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ARTICLE IX.  SUPPLEMENTAL INDENTURES
 Section 9.1. Supplemental Indentures without Consent of Securityholders .
   provided however
 provided
 provided however
   40




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Section 9.2. Supplemental Indentures with Consent of Securityholders . provided however provided further however provided further however
    41




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Section 9.3. Effect of Supplemental Indentures .
 Section 9.4. Notation on Debentures .
 Section 9.5. Evidence of Compliance of Supplemental Indenture to be Furnished to
Trustee .
 ARTICLE X.  REDEMPTION OF SECURITIES
 Section 10.1. Optional Redemption . Redemption Date
 Section 10.2. Special Event Redemption . Special Redemption Date
 Section 10.3. Notice of Redemption; Selection of Debentures .
 42




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Section 10.4. Payment of Debentures Called for Redemption .
  ARTICLE XI.  CONSOLIDATION, MERGER, SALE, CONVEYANCE AND LEASE
 Section 11.1. Company May Consolidate, etc., on Certain Terms .
 43




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provided however
 Section 11.2. Successor Entity to be Substituted .
 Section 11.3. Opinion of Counsel to be Given to Trustee .
 ARTICLE XII.  SATISFACTION AND DISCHARGE OF INDENTURE
 Section 12.1. Discharge of Indenture .
 (a)
    
    the Company shall deliver to the Trustee for cancellation all Debentures
theretofore authenticated (other than any Debentures which shall have been destroyed,
lost or stolen and which shall have been replaced or paid as provided in Section 2.6)
and not theretofore canceled, or(b)
    
    all the Debentures not theretofore canceled or delivered to the Trustee for
cancellation shall have become due and payable, or are by their terms to become due and
payable within 1 year or are to be called for redemption within 1 year under
arrangements satisfactory to the Trustee for the giving of notice of redemption, and
the Company shall deposit with the Trustee, in trust, funds, which shall be immediately
due and payable, sufficient to pay at maturity or upon redemption all of the Debentures
(other than any
 44




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Debentures which shall have been destroyed, lost or stolen and which
shall have been replaced or paid as provided in Section 2.6) not theretofore canceled
or delivered to the Trustee for cancellation, including principal and premium, if any,
and interest due or to become due to such date of maturity or redemption date, as the
case may be, but excluding, however, the amount of any moneys for the payment of
principal of, and premium, if any, or interest on the Debentures (1) theretofore repaid
to the Company in accordance with the provisions of Section 12.4, or (2) paid to any
state or to the District of Columbia pursuant to its unclaimed property or similar
laws,
  Section 12.2. Deposited Moneys to be Held in Trust by Trustee .
 Section 12.3. Paying Agent to Repay Moneys Held .
 Section 12.4. Return of Unclaimed Moneys .
 ARTICLE XIII.  IMMUNITY OF INCORPORATORS, STOCKHOLDERS,  OFFICERS AND DIRECTORS
 Section 13.1. Indenture and Debentures Solely Corporate Obligations .
 45




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ARTICLE XIV.  MISCELLANEOUS PROVISIONS
 Section 14.1. Successors .
 Section 14.2. Official Acts by Successor Entity .
 Section 14.3. Surrender of Company Powers .
 Section 14.4. Addresses for Notices, etc .
 Section 14.5. Governing Law .
 Section 14.6. Evidence of Compliance with Conditions Precedent .
  46




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Section 14.7. Table of Contents, Headings, etc .
 Section 14.8. Execution in Counterparts .
 Section 14.9. Separability .
 Section 14.10. Assignment .
 Section 14.11. Acknowledgment of Rights .
 ARTICLE XV.  SUBORDINATION OF DEBENTURES
 Section 15.1. Agreement to Subordinate .
 47




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provided however pari passu
  Section 15.2. Default on Senior Indebtedness .
  Section 15.3. Liquidation, Dissolution, Bankruptcy . pro rata
 48




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##### 



Section 15.4. Subrogation .
  49




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##### 



Section 15.5. Trustee to Effectuate Subordination .
 Section 15.6. Notice by the Company . provided however
  50




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Section 15.7. Rights of the Trustee; Holders of Senior Indebtedness .
   Section 15.8. Subordination May Not Be Impaired .
  Signatures appear on the following page
 51




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CAPITAL CORP OF THE WESTByName:Title:WILMINGTON TRUST COMPANY, as TrusteeByName:Title: 52




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EXHIBIT A
 FORM OF FLOATING RATE JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURE
     A-1




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A-2




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A-3




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provided however
 provided however provided further however
   A-4




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A-5




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CAPITAL CORP OF THE WESTByName:Title: CERTIFICATE OF AUTHENTICATION
  WILMINGTON TRUST COMPANY, as TrusteeBy:Authorized Officer A-6




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provided however
 A-7




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provided however provided further
  pari passu
 A-8




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pari passu
     A-9




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A-10




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EXHIBIT B
 FORM OF CERTIFICATE TO TRUSTEE
  1.
    
    In my capacity as an officer of the Company, I would normally have knowledge of
any default by the Company during the last fiscal year in the performance of any
covenants of the Company contained in the Indenture.2.
    
    [To my knowledge, the Company is not in default in the performance of any
covenants contained in the Indenture.or, alternatively:I am aware of the default(s) in the performance of covenants in the Indentures, as
specified below.]
    Name:Title: B-1




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EXHIBIT C
 FORM OF QUARTERLY REPORT
 
 
 Tier 1 to Risk Weighted Assets
    
    
    
    %Ratio of Double Leverage
    
    
    
    %Non-Performing Assets to Loans and OREO
    
    
    
    %Ratio of Reserves to Non-Performing Loans
    
    
    
    %Ratio of Net Charge-Offs to Loans
    
    
    
    %Return on Average Assets (annualized)**
    
    
    
    %Net Interest Margin (annualized)**
    
    
    
    %Efficiency Ratio
    
    
    
    %Ratio of Loans to Assets
    
    
    
    %Ratio of Loans to Deposits
    
    
    
    %Total Assets
    
    $Year to Date Income
    
    $
 
 *
    
    A table describing the quarterly report calculation procedures is provided on page C-2**
    
    To annualize Return on Average Assets and Net Interest Margin do the following:1st
    
    Quarter-multiply income statement item by 4, then divide by balance sheet item(s)2nd
    
    Quarter-multiply income statement item by 2, then divide by balance sheet item(s)3rd
    
    Quarter-divide income statement item by 3, then multiply by 4, then divide by
balance sheet item(s)4th
    
    Quarter-should already be an annual number  cc:
    
    FTN Financial Capital Markets
    
    Keefe, Bruyette & Woods, Inc.845 Crossover Lane, Suite 150
    
    787 7th Avenue, 4th FloorMemphis, Tennessee  38117
    
    New York, New York  10019Attention:  Structured Finance Group
    
    Attention:  Mitchell Kleinman, General Counsel
 C-1




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Report Item
    
    Description of CalculationTier 1 Capital to Risk
Weighted Assets
    
    Tier 1 Risk Ratio: Core Capital (Tier 1)/Risk-Adjusted
AssetsRatio of Double Leverage
    
    Total equity investments in subsidiaries
divided by the total equity capital. This
field is calculated at the parent company
level. Subsidiaries include bank, bank
holding company, and nonbank subsidiaries.Non-Performing Assets to
Loans and OREO
    
    Total Nonperforming Assets (NPLs+Foreclosed
Real Estate+Other Nonaccrual & Repossessed
Assets)/ Total Loans + Foreclosed Real
EstateRatio of Reserves to
Non-Performing Loans
    
    Total Loan Loss and Allocated Transfer Risk
Reserves/ Total Nonperforming Loans
(Nonaccrual + Restructured)Ratio of Net Charge-Offs to
Loans
    
    Net charge offs for the period as a
percentage of average loans.Return on Assets
    
    Net Income as a percentage of Assets.Net Interest Margin
    
    (Net Interest Income Fully Taxable
Equivalent, if available / Average Earning
Assets)Efficiency Ratio
    
    (Noninterest Expense)/ (Net Interest Income
Fully Taxable Equivalent, if available, plus
Noninterest Income)Ratio of Loans to Assets
    
    Total Loans & Leases (Net of Unearned Income
& Gross of Reserve)/ Total AssetsRatio of Loans to Deposits
    
    Total Loans & Leases (Net of Unearned Income
& Gross of Reserve)/ Total Deposits
(Includes Domestic and Foreign Deposits)Total Assets
    
    The sum of total assets. Includes cash and
balances due from depository institutions;
securities; federal funds sold and
securities purchased under agreements to
resell; loans and lease financing
receivables; trading assets; premises and
fixed assets; other real estate owned;
investments in unconsolidated subsidiaries
and associated companies; customers
liability on acceptances outstanding;
intangible assets; and other assets.Net Income
    
    The sum of income (loss) before
extraordinary items and other adjustments
and extraordinary items; and other
adjustments, net of income taxes.
 C-2