Document:

Exhibit 10.71

AMENDMENT NO. 2 TO

LIFE INSURANCE ENDORSEMENT METHOD

SPLIT DOLLAR PLAN AGREEMENT

This
Amendment No. 2 to Life Insurance Endorsement Method Split Dollar Plan
Agreement (the “Amendment”) is made effective as
of December 20, 2006, and is entered into by and between Central Valley
Community Bank (the “Bank”) and Gayle
Graham (the “Insured” or “Executive”),
each a “Party” and together the “Parties.”

RECITALS

A.            The
Parties entered into that certain Life Insurance Endorsement Method Split
Dollar Plan Agreement dated effective as of June 7, 2000 (the “Original Agreement”) which was subsequently amended by that
certain Amendment No. 1 to Life Insurance Endorsement Method Split Dollar Plan
Agreement dated as of February 1, 2005 (“Amendment No. 1”)
(the Original Agreement and Amendment No. 1 together referred to as the “Agreement”).

B.            Certain
parts of the Agreement pertaining to the Early Retirement Benefit are
inconsistent with the original intent of the Parties.

C.            The
Parties now wish to clarify their original intent by amending the Agreement as
provided herein.

AGREEMENT

In
consideration of the mutual promises, covenants, and agreements contained
herein and for other good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the Parties agree as follows:

1.             Division
of Death Proceeds. Section VI (B) of the Original Agreement and Section
2(b) of Amendment No. 1 are hereby deleted in their entirety and replaced with
the following:

Should the Insured die
following early retirement from the Bank, the Insured’s beneficiary(ies),
designated in accordance with Paragraph III, shall be entitled to the lesser
of the following two amounts from the proceeds of the Policies:

(i) A lump sum payment
equal to the present value of one hundred percent (100%) of the sum of all remaining
payments that would have been made under that certain Executive Salary
Continuation Agreement between the Bank and Insured dated as of June 7, 2000,
as amended on February 1, 2005 and again on December 20, 2006, but for the
Insured’s death.

(ii) An amount equal to one
hundred percent (100%) of the net at risk insurance portion of the proceeds of
the 2001 Policies and the New York Life Policy. 
The net at risk insurance portion of each policy is the total proceeds
less the cash value of the policy.

4.             References and Definitions. Upon execution and
delivery of this Amendment, all references in the Agreement to the “Agreement,”
and the provisions thereof, shall be deemed to refer to the Agreement, as
amended by this Amendment. All capitalized terms used herein and not otherwise
defined shall have the meanings given to them in the Agreement.

5.               No Other Amendments or Changes. Except as
expressly amended or modified by this Amendment, all of the terms and conditions
of the Agreement shall remain unchanged and in full force and effect.

Executed effective as of
the date first written above.

	
  BANK:  

  	
   

  	
  EXECUTIVE: 

  
	
   

  	
   

  	
   

  
	
  CENTRAL VALLEY
  COMMUNITY BANK 

  	
   

  	
  GAYLE GRAHAM 

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  By: 

  	
  /s/ Daniel Doyle
  

  	
   

  	
   

  	
  /s/ Gayle Graham 

  	
   

  
	
  Name: Daniel
  Doyle 

  	
   

  	
  Gayle Graham

  
	
  Title: President
  and Chief Executive OfficerExhibit 10.72

AMENDMENT NO. 2 TO SALARY
CONTINUATION AGREEMENT

This
Amendment No. 2 to Salary Continuation Amendment (the “Amendment”)
is made effective as of December 20, 2006, and is entered into by and between
Central Valley Community Bank (the “Bank”) and
Gayle Graham (the “Executive”),
each a “Party” and together the “Parties.”

RECITALS

A.                                   The
Parties entered into that certain Executive Salary Continuation Agreement dated
as of June 7, 2000 (the “Original Agreement”)
which was subsequently amended by that certain Amendment No. 1 to Salary
Continuation Amendment dated as of February 1, 2005 (“Amendment
No. 1”) (the Original Agreement and Amendment No. 1 together
referred to as the “Agreement”).

B.                                     Certain
parts of the Agreement pertaining to the Early Retirement Benefit are
inconsistent with the original intent of the Parties.

C.                                     The
Parties now wish to clarify their original intent by amending the Agreement as
provided herein.

AGREEMENT

In
consideration of the mutual promises, covenants, and agreements contained
herein and for other good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the Parties agree as follows:

1.               Specified
Employees.  Notwithstanding anything
to the contrary, payments made under this Agreement on account of Retirement,
Early Retirement, or Involuntary Termination of Employment shall be withheld so
that no payments are made during the first six (6) months following Retirement,
Early Retirement, or Involuntary Termination of Employment, if such delay is
required by the Specified Employee requirements of section 409A.  On the first day of the seventh month
following such event, Executive shall be entitled to the payment for that
month, plus the total payments due for the previous six months.

2.               Early
Retirement Benefit.  Section IV(B) of
the Original Agreement and Section 5 of Amendment No. 1 are deleted in their
entirety and replaced with the following:

The Executive’s Early Retirement Date shall be January
2, 2007.  Upon the Executive’s Early
Retirement Date, the Bank, commencing on February 1, 2007 (unless monthly
payments are delayed in accordance with Section 1 of this Amendment), shall pay
the Executive an annual benefit equal to Twenty-Eight Thousand and NO/100
Dollars ($28,000.00).  Said amount shall
be payable in equal monthly installments (1/12 of the annual benefit) for a
period of one hundred and eighty (180) months, subject to Paragraph V.  Beginning on the thirteenth month that the annual
Early Retirement Benefit is paid, and continuing thereafter until paid in full,
the annual Early Retirement Benefit shall be increased each year by three
percent (3%) from the previous year’s Early Retirement Benefit amount to
account for cost of living increases.

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3.               Death Benefit.  Section V of the Original Agreement is
deleted in its entirety and replaced with the following:

In the event of the Executive’s death, no Benefits shall be payable
hereunder and this Agreement shall automatically terminate.  If the Executive is already in pay status at
the time of his death, no further payments will be made, and his right to any
additional payments will terminate. 
Notwithstanding the foregoing, in the event that the Policies described
in that certain Life Insurance Endorsement Method Split Dollar Plan Agreement
(as amended) between the Bank and Executive of even date herewith (the “Split
Dollar Plan”) are surrendered, lapse or are otherwise terminated by the Bank,
and the Bank does not replace such Policies with other comparable life
insurance, such that no death benefits are payable under the Split Dollar Plan,
then in the event of Executive’s death, Executive’s beneficiaries under the
Split Dollar Plan shall be entitled to the payment of the benefits, if any,
described in Section VI(B) of the Split Dollar Plan, in lieu of any other
Benefit under this Agreement.

4.               References and
Definitions. Upon execution and delivery of this Amendment, all references
in the Agreement to the “Agreement,” and the provisions thereof, shall be
deemed to refer to the Agreement, as amended by this Amendment. All capitalized
terms used herein and not otherwise defined shall have the meanings given to
them in the Agreement.

5.               No Other
Amendments or Changes. Except as expressly amended or modified by this
Amendment, all of the terms and conditions of the Agreement shall remain
unchanged and in full force and effect.

Executed effective as of
the date first written above.

	
  BANK: 

  	
   

  	
  EXECUTIVE:  

  
	
   

  	
   

  	
   

  
	
  CENTRAL VALLEY COMMUNITY BANK 

  	
   

  	
  GAYLE GRAHAM 

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  By:

  	
  /s/ Daniel Doyle  

  	
   

  	
   

  	
  /s/ Gayle Graham  

  	
   

  
	
  Name: Daniel Doyle 

  	
   

  	
  Gayle Graham

  
	
  Title: President and Chief Executive Officer

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
						

 

 2Exhibit 10.73

AMENDED

LIFE
INSURANCE ENDORSEMENT METHOD

SPLIT
DOLLAR AGREEMENT

	
  Insurer:

  	
   

  	
  Great West Life

  
	
   

  	
   

  	
   

  
	
  Policy Number:

  	
   

  	
  86001639

  
	
   

  	
   

  	
   

  
	
  Bank:

  	
   

  	
  Central Valley Community Bank

  
	
   

  	
   

  	
   

  
	
  Insured:

  	
   

  	
  David Kinross

  
	
   

  	
   

  	
   

  
	
  Relationship of Insured to Bank:

  	
   

  	
  Chief Financial Officer

  

 

This Amended Life Insurance Endorsement Method Split
Dollar Agreement (the “Agreement”) is
made effective as of March 1, 2007, by and between Central Valley Community
Bank (the “Bank”) and David Kinross (the “Insured”), each a “Party”
and together the “Parties.”  This Agreement supersedes and amends in its
entirety that certain Life Insurance Endorsement Method Split Dollar Plan
Agreement by and between the Bank and the Insured, effective July 1, 2006 (the “Prior
Agreement”).

AGREEMENT

The rights and duties of the Bank and the Insured with
respect to the above-referenced life insurance policy (“Policy”) shall be as
set forth below:

I.                                      DEFINITIONS

Refer to the Policy for the definition of all terms in
this Agreement.

II.                                  POLICY TITLE AND OWNERSHIP

Title and ownership to the Policy shall reside in the
Bank for its use and for the use of the Insured in accordance with this
Agreement. The Bank alone may, to the extent of its interest, exercise the
right to borrow or withdraw on the Policy cash values.  Where the Bank and the Insured (or assignee,
with the consent of the Insured) mutually agree to exercise the right to
increase the coverage under the Policy, then the rights, duties and benefits of
the parties to such increased coverage shall continue to be subject to the
terms of this Agreement.

III.                              BENEFICIARY DESIGNATION RIGHTS

The Insured (or assignee) shall have the right and
power to designate a beneficiary or beneficiaries to receive the Insured’s
share of the proceeds payable upon the death of the Insured, and to elect and
change a payment option for such beneficiary, subject to any right or interest
the Bank may have in such proceeds, as provided in this Agreement.  Any Beneficiary Designation Form completed by
the Insured under the Prior Agreement shall remain in full force and effect
unless and until modified or revoked by the Insured.

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IV.                             PREMIUM PAYMENT METHOD

The Bank intends to pay an amount equal to the planned
premiums and any other premium payments that might become necessary to keep the
Policy in force.

V.                                 TAXABLE BENEFIT

Annually, the Insured will receive a taxable benefit
equal to the assumed cost of insurance as required by the Internal Revenue
Service. The Bank (or its administrator) will report to the Insured the amount
of imputed income each year on Form W-2 or its equivalent.

VI.                             DIVISION OF DEATH PROCEEDS

Subject to Paragraphs VII and IX herein, the division
of the Policy death proceeds shall be as follows:

A.                                    Should
the Insured be employed by the Bank at the time of death, the Insured’s
beneficiary(ies), designated in accordance with Paragraph III, shall be
entitled to a lump sum payment equal to the present value of the retirement
benefit provided in Section III(B) of that certain Amended Executive Salary
Continuation Agreement between the Bank and Insured, dated concurrently
herewith (the “Salary Continuation Agreement”), assuming that the payments
would begin on the date of death and continue for one hundred and eighty months
following retirement, or one hundred percent (100%) of the total Policy
proceeds, whichever amount is less. 
Present value calculations shall be made using the assumptions set forth
in Section IX(L) of the Salary Continuation Agreement.

B.                                    Should
the Insured be retired from the Bank at the time of death, the Insured’s
beneficiary(ies), designated in accordance with Paragraph III, shall be
entitled to a lump sum payment equal to the present value of the sum of all
remaining payments that would have been made under the Salary Continuation
Agreement (if any), but for the Insured’s death, or one hundred percent (100%)
of the total Policy proceeds, whichever amount is less.  Present value calculations shall be made
using the assumptions set forth in Section IX(L) of the Salary Continuation
Agreement.

C.                                    The
Bank shall be entitled to the remainder of the insurance Policy proceeds
payable on the death of the Insured.

D.                                    The
Bank and the Insured (or assignees) shall share in any interest due on the
death proceeds in the proportion that the proceeds due to each respectively
bears to the total proceeds, excluding any such interest.

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VII.                         DIVISION OF THE CASH SURRENDER VALUE OF THE POLICY

During the life of the Insured, Bank shall at all
times be entitled to an amount equal to the Policy’s cash value, as that term
is defined in the insurance contract, less any Policy loans and unpaid interest
outstanding, cash withdrawals previously taken by the Bank, and any applicable
surrender charges. Such cash value shall be determined as of the date of surrender.  Notwithstanding the foregoing, upon the
Insured’s death, the Policy proceeds shall first be used to satisfy the
obligations to the Insured’s beneficiaries set forth in Paragraph VI.

VIII.                     RIGHTS OF PARTIES WHERE POLICY ENDOWMENT OR ANNUITY
ELECTION EXISTS

In the event that the Policy involves an endowment or
annuity element, the Bank’s right and interest in any endowment proceeds or
annuity benefits, on expiration of the deferment period, shall be determined
under the provisions of this Agreement by regarding such endowment proceeds or
the commuted value of such annuity benefits as the Policy’s cash value.  Any endowment proceeds or annuity benefits
shall be considered to be like death proceeds for purposes of division under
this Agreement.

IX.                             TERMINATION OF AGREEMENT

This Agreement shall terminate upon the occurrence of
any one of the following:

1.                                       The
Insured shall leave the employment of the Bank involuntarily prior to July 1,
2007; or

2.                                       The
Insured shall leave the employment of the Bank voluntarily at any time; or

3.                                       The
Insured shall attain the age of seventy-seven (77); or

4.                                       The
Insured shall be discharged from employment with the Bank for cause. The term
for “cause” shall mean any of the following that result in an adverse effect on
the Bank: (i) gross negligence or gross neglect; (ii) the commission of a
felony or gross misdemeanor involving moral turpitude, fraud, or dishonesty;
(iii) the willful violation of any law, rule, or regulation (other than a
traffic violation or similar offense); (iv) an intentional failure to perform
stated duties; or (v) a breach of fiduciary duty involving personal profit; or

5.                                       Surrender,
lapse, or other termination of the Policy by the Bank.  Upon surrender, lapse or termination of the Policy,
the Insured (or assignee) shall have a fifteen (15) day option to receive from
the Bank an absolute assignment of the Policy in consideration of a cash
payment to the Bank in an amount equal to the greater of:

(a)                                  The
Bank’s share of the Policy’s cash value on the date of assignment; or

 3
 

(b)                                 The
sum of the premiums paid by the Bank prior to the date of assignment, with
interest.

If the Insured (or
assignee) fails to exercise this option, fails to tender the required cash
payment, or dies within the fifteen (15) day period, then the option shall
terminate, and the Insured (or assignee) agrees that all of the Insured’s
rights, interest and claims in the Policy shall terminate as of the date of
termination of this Agreement.  The
Insured expressly agrees that this Agreement constitutes sufficient written
notice of the Insured’s option to receive an absolute assignment of the Policy
as set forth herein.

Except as provided above, this Agreement shall
terminate upon payment of the death benefit proceeds in accordance with
Paragraph VI above.

X.                                 INSURED’S OR ASSIGNEE’S ASSIGNMENT RIGHTS

The Insured may not, without the written consent of
the Bank, assign to any individual, trust or other organization, any right,
title or interest in the Policy nor any rights, options, privileges or duties
created under this Agreement.

XI.                             AGREEMENT BINDING UPON THE PARTIES

This Agreement shall bind the Insured and the Bank,
their heirs, successors, personal representatives and assigns.

XII.                         ERISA PROVISIONS

The following provisions are part of this Agreement
and are intended to meet the requirements of the Employee Retirement Income
Security Act of 1974 (“ERISA”):

A.                                    Named
Fiduciary and Plan Administrator.

The Named Fiduciary and Plan Administrator of this
Endorsement Method Split Dollar Agreement shall be Central Valley Community
Bank. As Named Fiduciary and Plan Administrator, the Bank shall be responsible
for the management, control, and administration of this Agreement. The Named
Fiduciary may delegate to others certain responsibilities, including the employment
of advisors and the delegation of any ministerial duties to qualified
individuals.

B.                                    Funding
Policy.

The funding Policy for this Agreement shall be to
maintain the subject Policy in force by paying, when due, all premiums
required.

C.                                    Basis
of Payment of Benefits.

The basis of payment of benefits under this Agreement
is direct payment by the Insurer.

 4
 

D.                                    Claim
Procedures.

Claim forms or Policy information can be obtained by
contacting Clark Consulting at 952-893-6767. When the Named Fiduciary receives
a claim which may be covered under the Policy, he or she should contact the
office named above, and they will either complete a claim form and forward it
to an authorized representative of the Insurer or advise the Named Fiduciary
what further steps are necessary. The Insurer will evaluate and make a decision
as to payment. If the claim is payable, a benefit check will be issued in
accordance with the terms of this Agreement.

In the event that a claim
is not eligible under the Policy, the Insurer will notify the claimant of the
denial pursuant to the Policy terms. If the claimant is dissatisfied with the
denial of the claim and wishes to contest such claim denial, he or she should
contact the office named above and they will assist in making inquiry to the
Insurer. All objections to the Insurer’s actions should be in writing and
submitted to the office named above for transmittal to the Insurer.

XIII.                     GENDER

Whenever in this Agreement words are used in the
masculine or neuter gender, they shall be read and construed as in the
masculine, feminine or neuter gender, whenever they should so apply.

XIV.                    INSURANCE COMPANY NOT A PARTY TO THIS AGREEMENT

The Insurer shall not be deemed a party to this
Agreement, but will respect the rights of the parties as herein provided upon
receiving an executed copy of this Agreement. Payment or other performance in
accordance with the Policy provisions shall fully discharge the Insurer for any
and all liability.

XV.                        AMENDMENT OR REVOCATION

It is agreed by and between the parties hereto that,
during the lifetime of the Insured, this Agreement may be amended or revoked at
any time or times, in whole or in part, by the mutual written consent of the
Insured and the Bank.

XVI.                    EFFECTIVE DATE

The Effective Date of this Agreement shall be March 1,
2007.

XVII.                SEVERABILITY AND INTERPRETATION

If a provision of this Agreement is held to be invalid
or unenforceable, the remaining provisions shall nonetheless be enforceable
according to their terms. Further, in the event that any provision is held to
be overbroad as written, such provision shall be deemed amended to narrow its
application to the extent necessary to make the provision enforceable according
to law and enforced as amended.

 5
 

XVIII.            APPLICABLE LAW

The validity and interpretation of this Agreement
shall be governed by applicable federal law and the laws of the State of
California.

XIX.                    COMPETITION AFTER TERMINATION OF EMPLOYMENT

The Bank shall not pay any benefit under this
Agreement if the Insured, without the prior written consent of the Bank,
engages in, becomes interested in, directly or indirectly, as a sole
proprietor, as a partner in a partnership, or as a substantial shareholder in a
corporation, or becomes associated with, in the capacity of employee, director,
officer, principal, agent, trustee or in any other capacity whatsoever, any
enterprise conducted in the trading area (a 50 mile radius) of the business of
the Bank, which enterprise is, or may deemed to be, competitive with any
business carried on by the Bank as of the date of termination of the Insured’s
employment or his retirement. This section shall not apply following a Change In
Control.

Executed at Clovis, California on 3/1/07.

	
  BANK:
  

  	
   

  	
  EXECUTIVE:  

  
	
   

  	
   

  	
   

  
	
  CENTRAL VALLEY COMMUNITY BANK 

  	
   

  	
  DAVID KINROSS 

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
  By: 

  	
    /s/ Daniel Doyle

  	
   

  	
   

  	
    /s/ David Kinross 

  	
   

  
	
  Name: Daniel Doyle 

  	
   

  	
  David Kinross

  
	
  Title: President and Chief Executive Officer

  	
   

  	
   

  
						

 

 6
 

BENEFICIARY
DESIGNATION FORM

FOR AMENDED LIFE
INSURANCE

ENDORSEMENT
METHOD SPLIT DOLLAR AGREEMENT

PRIMARY DESIGNATION:

	
  Name

  	
   

  	
  Address

  	
   

  	
  Relationship

  	
   

  
	
              

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
              

  	
   

  	
   

  	
   

  	
   

  	
   

  
	
              

  	
   

  	
   

  	
   

  	
   

  	
   

  

 

SECONDARY (CONTINGENT)
DESIGNATION:

 

 

All sums payable under the Amended Life Insurance
Endorsement Method Split Dollar Agreement by reason of my death shall be paid
to the Primary Beneficiary, if he or she survives me, and if no Primary
Beneficiary shall survive me, then to the Secondary (Contingent) Beneficiary.

 

	
   

  	
   

  	
   

  	
   

  	
   

  
	
  David
  Kinross

  	
   

  	
  Date

  

 

 7

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