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**LOAN      AGREEMENT**

**THIS      LOAN AGREEMENT **
**VINEYARD      NATIONAL BANCORP**
**FIRST      TENNESSEE BANK NATIONAL ASSOCIATION**

**Seventy      Million **

**Seventy      Million**

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| b)   | This              Loan Agreement; |
|----------------|-----------------------------------|

| c)   | Current              certificates of good standing for the Borrower in the State of              California; |
|----------------|--------------------------------------------------------------------------------------------------------------|

| d)   | Certified              corporate resolutions of Borrower authorizing the execution, delivery              and              performance of this Loan Agreement and of the other instruments and              documents to be executed and delivered in connection herewith, and              a              certified copy of Borrower’s charter and              bylaws; |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| e)   | True              and exact copies of the current financial statements of the Borrower              and              its subsidiary, Vineyard Bank (hereinafter called “Bank”). It being              understood that Lender is relying upon such audit report and opinion              in              entering into this Loan Agreement including the unaudited financial              statements of Borrower and Bank as of December 31, 2005 and the December              31, 2005 F.R. Y-6 Annual Report and F.R. Y-9 Parent Company only (and              Consolidated, if applicable) financial statement(s) filed by Borrower              with              the Federal Reserve; |
|----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| f)   | The              opinion of Borrower’s independent, third party counsel in the form              approved by Lender, as to the due organization and valid existence              of              Borrower, the due authorization and execution by Borrower of the Loan              Documents, the validity and enforceability of the Loan Documents against              Borrower and such other matters as Lender shall require;              and |
|----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| g)   | The              Pledge and Security Agreement (hereinafter called “Pledge Agreement”),              executed by Borrower, granting to Lender a security interest in 100%              of              Borrower’s capital stock in Vineyard Bank (“Pledged Shares”) as security              for the Line of Credit, together with irrevocable stock powers executed              in              blank with respect to such Pledged Shares, and the original certificates              representing such Pledged Shares. |
|----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| iii)   | indebtedness              reflected on Borrower’s financial statements dated as of December 31,              2005; |
|------------------|--------------------------------------------------------------------------------------------------------------------------|

| iv)   | federal              funds purchased and borrowings from the Federal Home Loan Bank in the              ordinary course of business; |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------|

| v)   | that              certain proposed borrowing base revolving line of credit secured by              a              portion of the Bank’s construction loan portfolio to be made by Lender, as              “Lead Bank,” and such other lenders that may participate in such loan; |
|----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| vi)   | any              indebtedness contemplated under that certain Form S-3 Registration              Statement under the Securities Act of 1933 filed with the Securities              and              Exchange Commission August 31, 2005; and |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| vii)   | Any              indebtedness that is not superior or senior in the right of payment              to the              Loan. |
|------------------|-----------------------------------------------------------------------------------------------------------------------------|

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**Ninety      one hundredths of one percent (.90%)**

**Two      and one quarter percent (2.25%)**

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**BORROWER**

*/s/      Gordon Fong*

*/s/      Terry Snavely*

**LENDER**

*/s/      David House*

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