##### 



AMENDED AND RESTATED DECLARATION
OF TRUST
 by and among
 WILMINGTON TRUST COMPANY,
as Delaware Trustee,
 WILMINGTON TRUST COMPANY,
as Institutional Trustee,
 CAPITAL CORP OF THE WEST,
as Sponsor,
 and
 THOMAS T. HAWKER, DAVID A. HEABERLIN and
JANEY CABRAL,
as Administrators,
 Dated as of October 31, 2007




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##### 



TABLE OF CONTENTS
 PageARTICLE I INTERPRETATION AND DEFINITIONS
    
    
    1Section 1.1.
    
    Definitions
    
    
    1ARTICLE II ORGANIZATION
    
    
    8Section 2.1.
    
    Name
    
    
    8Section 2.2.
    
    Office
    
    
    8Section 2.3.
    
    Purpose
    
    
    8Section 2.4.
    
    Authority
    
    
    8Section 2.5.
    
    Title to Property of the Trust
    
    
    8Section 2.6.
    
    Powers and Duties of the Trustees and the Administrators
    
    
    9Section 2.7.
    
    Prohibition of Actions by the Trust and the Institutional Trustee
    
    
    12Section 2.8.
    
    Powers and Duties of the Institutional Trustee
    
    
    13Section 2.9.
    
    Certain Duties and Responsibilities of the Trustees and Administrators
    
    
    14Section 2.10.
    
    Certain Rights of Institutional Trustee
    
    
    15Section 2.11.
    
    Delaware Trustee
    
    
    17Section 2.12.
    
    Execution of Documents
    
    
    17Section 2.13.
    
    Not Responsible for Recitals or Issuance of Securities
    
    
    17Section 2.14.
    
    Duration of Trust
    
    
    17Section 2.15.
    
    Mergers
    
    
    18ARTICLE III SPONSOR
    
    
    19Section 3.1.
    
    Sponsors Purchase of Common Securities
    
    
    19Section 3.2.
    
    Responsibilities of the Sponsor
    
    
    19Section 3.3.
    
    Expenses
    
    
    19Section 3.4.
    
    Right to Proceed
    
    
    20ARTICLE IV INSTITUTIONAL TRUSTEE AND ADMINISTRATORS
    
    
    20Section 4.1.
    
    Number of Trustees
    
    
    20Section 4.2.
    
    Delaware Trustee; Eligibility
    
    
    20Section 4.3.
    
    Institutional Trustee; Eligibility
    
    
    21Section 4.4.
    
    Administrators
    
    
    21Section 4.5.
    
    Appointment, Removal and Resignation of Trustees and Administrators
    
    
    21Section 4.6.
    
    Vacancies Among Trustees
    
    
    23Section 4.7.
    
    Effect of Vacancies
    
    
    23Section 4.8.
    
    Meetings of the Trustees and the Administrators
    
    
    23Section 4.9.
    
    Delegation of Power
    
    
    24Section 4.10.
    
    Conversion, Consolidation or Succession to Business
    
    
    24ARTICLE V DISTRIBUTIONS
    
    
    24Section 5.1.
    
    Distributions
    
    
    24ARTICLE VI ISSUANCE OF SECURITIES
    
    
    24Section 6.1.
    
    General Provisions Regarding Securities
    
    
    24Section 6.2.
    
    Paying Agent, Transfer Agent and Registrar
    
    
    25Section 6.3.
    
    Form and Dating
    
    
    25Section 6.4.
    
    Book-Entry Capital Securities
    
    
    26Section 6.5.
    
    Mutilated, Destroyed, Lost or Stolen Certificates
    
    
    27
 i




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PageSection 6.6.
    
    Temporary Securities
    
    
    28Section 6.7.
    
    Cancellation
    
    
    28Section 6.8.
    
    CUSIP Numbers
    
    
    28Section 6.9.
    
    Rights of Holders; Waivers of Past Defaults
    
    
    28ARTICLE VII DISSOLUTION AND TERMINATION OF TRUST
    
    
    30Section 7.1.
    
    Dissolution and Termination of Trust
    
    
    30ARTICLE VIII TRANSFER OF INTERESTS
    
    
    31Section 8.1.
    
    General
    
    
    31Section 8.2.
    
    Transfer Procedures and Restrictions
    
    
    32Section 8.3.
    
    Deemed Security Holders
    
    
    34ARTICLE IX LIMITATION OF LIABILITY OF HOLDERS OF SECURITIES, INSTITUTIONAL TRUSTEE OR OTHERS
    
    
    34Section 9.1.
    
    Liability
    
    
    34Section 9.2.
    
    Exculpation
    
    
    35Section 9.3.
    
    Fiduciary Duty
    
    
    35Section 9.4.
    
    Indemnification
    
    
    35Section 9.5.
    
    Outside Businesses
    
    
    37Section 9.6.
    
    Compensation; Fee
    
    
    38ARTICLE X ACCOUNTING
    
    
    38Section 10.1.
    
    Fiscal Year
    
    
    38Section 10.2.
    
    Certain Accounting Matters
    
    
    38Section 10.3.
    
    Banking
    
    
    39Section 10.4.
    
    Withholding
    
    
    39ARTICLE XI AMENDMENTS AND MEETINGS
    
    
    39Section 11.1.
    
    Amendments
    
    
    39Section 11.2.
    
    Meetings of the Holders of Securities; Action by Written Consent
    
    
    41ARTICLE XII REPRESENTATIONS OF INSTITUTIONAL TRUSTEE AND THE DELAWARE TRUSTEE
    
    
    42Section 12.1.
    
    Representations and Warranties of Institutional Trustee
    
    
    42Section 12.2.
    
    Representations of the Delaware Trustee
    
    
    42ARTICLE XIII MISCELLANEOUS
    
    
    43Section 13.1.
    
    Notices
    
    
    43Section 13.2.
    
    Governing Law
    
    
    44Section 13.3.
    
    Intention of the Parties
    
    
    44Section 13.4.
    
    Headings
    
    
    44Section 13.5.
    
    Successors and Assigns
    
    
    44Section 13.6.
    
    Partial Enforceability
    
    
    45Section 13.7.
    
    Counterparts
    
    
    45Annex I
    
    Terms of SecuritiesExhibit A-1
    
    Form of Capital Security CertificateExhibit A-2
    
    Form of Common Security CertificateExhibit B
    
    Specimen of Initial DebentureExhibit C
    
    Placement Agreement
 ii




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AMENDED AND RESTATED
 DECLARATION OF TRUST
 OF
 COUNTY STATUTORY TRUST IV
 October 31, 2007
 Declaration
 Trust Original
Declaration
    ARTICLE I
 INTERPRETATION AND DEFINITIONS
 Section 1.1. Definitions
      1




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Acceleration Event of Default
 Additional Interest
 Administrative Action
 Administrators
 Affiliate
 Applicable Depositary Procedures
 Authorized Officer
 Bankruptcy Event
   Book-Entry Capital Securities
 Business Day
 Capital Securities
 Capital Security Certificate
 Capital Treatment Event
 Certificate
 2




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Closing Date
 Code
 Common Securities
 Common Security Certificate
 Company Indemnified Person
 Corporate Trust Office
 Coupon Rate
 Covered Person
 Creditor
 Debenture Issuer
 Debenture Trustee
 Debentures
 Defaulted Interest
 Definitive Capital Securities Certificates
 Delaware Trustee
 Depositary
 Depositary Participant
 Determination Date
 3




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Direct Action
 Distribution
 Distribution Payment Date
 Distribution Period
 Distribution Rate
 DTC
 Event of Default
     Exchange Act
 Extension Period
 Federal Reserve
 Fiduciary Indemnified Person
 4




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Fiscal Year
 Global Capital Security
 Guarantee
 Holder
 Indemnified Person
 Indenture
 Indenture Event of Default
 Institutional Trustee
 Interest
 Investment Company
 Investment Company Act
 Investment Company Event
 Liquidation
 Liquidation Distribution
 Majority in liquidation amount of the Securities
 Maturity Date
 Officers Certificates
 5




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##### 



OTS
 Owner
 Paying Agent
 Person
 Placement Agreement
 Property Account
 Pro Rata
 QIB
 Quorum
 Redemption Date
 Redemption/Distribution Notice
 Redemption Price
 Registrar
 Relevant Trustee
 Responsible Officer
 6




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Restricted Securities Legend
 Rule 3a-5
 Rule 3a-7
 Securities
 Securities Act
 Special Event
 Special Redemption Date
 Special Redemption Price
 Sponsor
 Statutory Trust Act et seq.
 Successor Entity
 Successor Delaware Trustee
 Successor Institutional Trustee
 Successor Securities
 Super Majority
 Tax Event
 10% in liquidation amount of the Securities
 3-Month LIBOR
 Transfer Agent
 Treasury Regulations
 7




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Trust Property
 Trustee Trustees
 U.S. Person
 ARTICLE II
 ORGANIZATION
 Section 2.1. Name .
 Section 2.2. Office .
 Section 2.3. Purpose .
 Section 2.4. Authority .
 Section 2.5. Title to Property of the Trust .
 8




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Section 2.6. Powers and Duties of the Trustees and the Administrators.
             9




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##### 



provided
    10




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11




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Section 2.7. Prohibition of Actions by the Trust and the Institutional Trustee.
          12




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Section 2.8. Powers and Duties of the Institutional Trustee.
    Property Account
   provided however Direct Action provided however
  13




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Section 2.9. Certain Duties and Responsibilities of the Trustees and Administrators.
    14




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Section 2.10. Certain Rights of Institutional Trustee .
   15




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##### 



provided
    16




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Section 2.11. Delaware Trustee
 Section 2.12. Execution of Documents .
 Section 2.13. Not Responsible for Recitals or Issuance of Securities .
 Section 2.14. Duration of Trust .
 17




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##### 



Section 2.15. Mergers.
   Successor
Entity
  Successor Securities
        18




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ARTICLE III
 SPONSOR
 Section 3.1. Sponsors Purchase of Common Securities .
 Section 3.2. Responsibilities of the Sponsor .
   Section 3.3. Expenses
  19




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Creditor
 Section 3.4. Right to Proceed
 ARTICLE IV
 INSTITUTIONAL TRUSTEE AND ADMINISTRATORS
 Section 4.1. Number of Trustees
  provided however
 Section 4.2. Delaware Trustee; Eligibility
   20




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##### 



Section 4.3. Institutional Trustee; Eligibility.
        Section 4.4. Administrators .
 Section 4.5. Appointment, Removal and Resignation of Trustees and Administrators .
   21




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22




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##### 



Section 4.6. Vacancies Among Trustees
 Section 4.7. Effect of Vacancies .
 Section 4.8. Meetings of the Trustees and the Administrators .
 23




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##### 



Section 4.9. Delegation of Power.
   Section 4.10. Conversion, Consolidation or Succession to Business . provided further
 ARTICLE V
 DISTRIBUTIONS
 Section 5.1. Distributions . Distribution
 ARTICLE VI
 ISSUANCE OF SECURITIES
 Section 6.1. General Provisions Regarding Securities.
 pari passu
 24




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Section 6.2. Paying Agent, Transfer Agent and Registrar . Paying Agent Transfer Agent Registrar Paying Agent Registrar Transfer Agent
 Section 6.3. Form and Dating .
 25




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##### 



Section 6.4. Book-Entry Capital Securities.
   26




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##### 



Section 6.5. Mutilated, Destroyed, Lost or Stolen Certificates.
 27




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##### 



Section 6.6. Temporary Securities .
 Section 6.7. Cancellation .
 Section 6.8. CUSIP Numbers . provided however
 Section 6.9. Rights of Holders; Waivers of Past Defaults.
   28




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##### 



provided,
 29




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##### 



ARTICLE VII
 DISSOLUTION AND TERMINATION OF TRUST
 Section 7.1. Dissolution and Termination of Trust.
          30




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##### 



ARTICLE VIII
 TRANSFER OF INTERESTS
 Section 8.1. General.
  provided however
    31




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##### 



Section 8.2. Transfer Procedures and Restrictions.
  Restricted Securities Legend
 If the Capital Security is to be Global Capital Security-
   32




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33




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##### 



Section 8.3. Deemed Security Holders .
 ARTICLE IX
 LIMITATION OF LIABILITY OF
HOLDERS OF SECURITIES, INSTITUTIONAL TRUSTEE OR OTHERS
 Section 9.1. Liability.
    34




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##### 



Section 9.2. Exculpation.
   Section 9.3. Fiduciary Duty.
     Section 9.4. Indemnification.
  35




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##### 



nolo contendere
 provided however
    36




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Section 9.5. Outside Businesses .
 37




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##### 



Section 9.6. Compensation; Fee .
      ARTICLE X
 ACCOUNTING
 Section 10.1. Fiscal Year . Fiscal Year
 Section 10.2. Certain Accounting Matters .
   38




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##### 



Section 10.3. Banking . provided however
 Section 10.4. Withholding .
 ARTICLE XI
 AMENDMENTS AND MEETINGS
 Section 11.1. Amendments.
    39




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##### 



40




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##### 



provided however
 Section 11.2. Meetings of the Holders of Securities; Action by Written Consent.
     41




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##### 



provided however
 ARTICLE XII
 REPRESENTATIONS OF INSTITUTIONAL TRUSTEE AND THE DELAWARE TRUSTEE
 Section 12.1. Representations and Warranties of Institutional Trustee .
     Section 12.2. Representations of the Delaware Trustee
   42




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##### 



ARTICLE XIII
 MISCELLANEOUS
 Section 13.1. Notices .
  
  
   43




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##### 



Section 13.2. Governing Law . provided however
 Section 13.3. Intention of the Parties .
 Section 13.4. Headings .
 Section 13.5. Successors and Assigns .
 44




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##### 



Section 13.6. Partial Enforceability .
 Section 13.7. Counterparts .
 Signatures appear on the following page
 45




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##### 



WILMINGTON TRUST COMPANY,
as Delaware TrusteeBy:Name:Title:WILMINGTON TRUST COMPANY,
as Institutional TrusteeBy:Name:Title:CAPITAL CORP OF THE WEST, as SponsorBy:Name:Title:ADMINISTRATORS OF COUNTY STATUTORY TRUST IVBy:AdministratorBy:AdministratorBy:Administrator 46




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##### 



Designation and Number
 Capital Securities
 Common Securities
 Distributions
 Coupon Rate
 Distribution
Payment Date
 I-1




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##### 



Extension Period Additional Interest provided however provided further however pari passu pari passu
 I-2




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##### 



Liquidation Distribution Upon Dissolution Liquidation Liquidation Distribution
 Federal
Reserve OTS
  I-3




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##### 



provided however
 Redemption and Distribution
  3-Month LIBOR
  I-4




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##### 



Capital Treatment Event provided however provided further however
 I-5




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##### 



Determination Date
 Investment Company Event
 Maturity Date
 Redemption Date
 Redemption Price
 Special Event
 Special Redemption Date
 Special Redemption Price
 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
    %
 I-6




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Month in which SpecialRedemption Date Occurs
    
    Special Redemption PriceMarch 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
    %
  Tax Event Administrative
Action
 provided however
  I-7




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##### 



Redemption or Distribution Procedures
 Redemption/Distribution Notice
 provided
  I-8




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Voting Rights  Capital Securities
  provided however Super Majority
 I-9




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##### 



provided however
    Voting Rights  Common Securities
    I-10




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##### 



provided however
   Amendments to Declaration and Indenture
 provided however
  I-11




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##### 



provided however
   Pro Rata Pro Rata
 Ranking pari passu
 Acceptance of Guarantee and Indenture
 I-12




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##### 



No Preemptive Rights
 Miscellaneous
 I-13




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##### 



EXHIBIT A-1
 FORM OF CAPITAL SECURITY CERTIFICATE
     A-1-1




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##### 



Certificate Number P-1
      [CUSIP NO. [_____]]
    
    
    
    25,000 Capital Securities
      A-1-2




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##### 



Signatures appear on following page
 A-1-3




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##### 



COUNTY STATUTORY TRUST IVBy:Name:Title:
    Administrator CERTIFICATE OF AUTHENTICATION
  WILMINGTON TRUST COMPANY,
as the Institutional TrusteeBy:Authorized Officer A-1-4




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##### 



A-1-5




---



##### 



provided however
  A-1-6




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##### 



(Insert assignees social security or tax identification number)(Insert address and zip code of assignee) and irrevocably appoints
  Date:Signature:
  1
 
 1
    
    Signature must be guaranteed by an eligible guarantor
institution that is a bank, stockbroker, savings and loan association or
credit union meeting the requirements of the Security registrar, which
requirements include membership or participation in the Securities Transfer
Agents Medallion Program (STAMP) or such other signature guarantee program
as may be determined by the Security registrar in addition to, or in
substitution for, STAMP, all in accordance with the Securities Exchange Act of
1934, as amended. A-1-7




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##### 



EXHIBIT A-2
    Certificate Number C-1
    
    
    
    774 Common Securities
          A-2-1




---



##### 



COUNTY STATUTORY TRUST IVBy:Name:Title:
    Administrator A-2-2




---



##### 



-
   - -
 A-2-3




---



##### 



-
 provided however
  A-2-4




---



##### 



(Insert assignees social security or tax identification number)(Insert address and zip code of assignee) and irrevocably appoints
 agentto transfer this Common Security Certificate on the books of the
Trust. The agent may substitute another to act for him or her. Date:Signature:(Sign exactly as your name appears on the other side of this Common Security
Certificate)Signature:(Sign exactly as your name appears on the other side of this Common Security
Certificate) 2
 
 2
    
    Signature must be guaranteed by an eligible guarantor
institution that is a bank, stockbroker, savings and loan association or
credit union, meeting the requirements of the Security registrar, which
requirements include membership or participation in the Securities Transfer
Agents Medallion Program (STAMP) or such other signature guarantee program
as may be determined by the Security registrar in addition to, or in
substitution for, STAMP, all in accordance with the Securities Exchange Act of
1934, as amended. A-2-5




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EXHIBIT B
 SPECIMEN OF INITIAL DEBENTURE
  B-1




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##### 



EXHIBIT C
 PLACEMENT AGREEMENT
  C-1