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                        CENTRAL VALLEY COMMUNITY BANCORP

                       NONSTATUTORY STOCK OPTION AGREEMENT

1.       GRANT.

         Central Valley Community Bancorp, a California corporation (the
"Company"), hereby grants to ________________________ (the "Optionee"), an
option (the "Option") to purchase a total of __________ Shares of common stock
of the Company, at the price set forth below, which Option is in all respects
subject to the terms, definitions and provisions of the Central Valley Community
Bancorp 2000 Stock Option Plan (the "Plan"). Capitalized terms used herein shall
have the meanings assigned to them in the Plan.

2.       NATURE OF THE OPTION.

         This Option is intended by the Company and the Optionee to be a
Nonstatutory Option and does not qualify for any special tax benefits to the
Optionee. This option is NOT an Incentive Stock Option within the meaning of
Section 422 of the Internal Revenue Code of 1986, as amended.

3.       EXERCISE PRICE.

         The Exercise Price is $__________ for each share of common stock, which
price is not less than the Fair Market Value per share of the common stock of
the Company on the Grant Date (set forth below).

4.       TERM OF OPTION.

         Subject to earlier termination as provided in the Plan, this Option
shall terminate on _________________, and may be exercised during such term only
in accordance with the Plan and the terms of this Option.

5.       EXERCISE OF OPTION.

         This Option shall be exercisable during its term in accordance with the
provisions of the Plan as follows:

         (a) RIGHT TO EXERCISE. This Option shall vest cumulatively from the
date of grant of the Option, exercisable as follows: [ immediately as to
________________ Shares, or _________ percent (_____%) of the Option ]; as to
________________ Shares, or __________ percent (_____%) of the Option, on the
first anniversary of the Grant Date; and as to additional increments of
______________ Shares or ______ percent (______%) of the Option, on each
subsequent anniversary of the Grant Date thereafter.

         (b) MINIMUM EXERCISE. This Option may not be exercised for fewer than
10 Shares nor for a fraction of a Share.

         (c) METHOD OF EXERCISE. This Option shall be exercisable by written
notice which shall state the election to exercise the Option and specify the
number of whole Shares in respect of which the Option is being exercised. Such
written notice shall be signed by the Optionee and shall be delivered in person
or by certified mail, to the Secretary of the Company accompanied by payment of
the Exercise Price as specified below.

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         No Shares will be issued pursuant to the exercise of the Option unless
such issuance and such exercise shall comply with all relevant provisions of law
and the requirements of any stock exchange or inter-dealer quotation system upon
which the shares of the Company's common stock may then be listed or quoted.
Assuming such compliance, the Shares shall be considered transferred to the
Optionee as of the date on which the Option is exercised with respect to such
Shares. An Optionee shall have no rights as a shareholder of the Company with
respect to any Shares until the issuance of a stock certificate to the Optionee
for such Shares.

         (d) METHOD OF PAYMENT. The entire Exercise Price of Shares issued under
this Option shall be payable in cash or by certified check, official bank check,
or the equivalent thereof acceptable to the Company at the time when such Shares
are purchased. Such payment also shall include the amount of any withholding tax
obligation which may arise in connection with the exercise, as determined by the
Company. In addition, payment may be made in any of the following forms:

         SURRENDER OF STOCK. Payment of all or part of the Exercise Price and
any withholding taxes may be made all or in part with Shares which have already
been owned by the Optionee or Optionee's representative for more than 6 months
and which are surrendered to the Company in good form for transfer. Such Shares
shall be valued at their Fair Market Value on the date when the new Shares are
purchased pursuant to exercise of the Option.

         EXERCISE/SALE. Payment may be made by the delivery (on a form
prescribed by the Company) of an irrevocable direction to a securities broker
approved by the Company to sell Shares and to deliver all or part of the sales
proceeds to the Company in payment of all or part of the Exercise Price and any
withholding taxes.

         EXERCISE/PLEDGE. Payment may be made by the delivery (on a form
prescribed by the Company) of an irrevocable direction to pledge Shares to a
securities broker or lender approved by the Company, as security for a loan, and
to deliver all or part of the loan proceeds to the Company in payment of all or
part of the Exercise Price and any withholding taxes.

         (e) TERMINATION OF SERVICE. In the event that the Optionee's Service
as an Employee terminates:

                  (i) As a result of such Optionee's death or Total and
         Permanent Disability, the term of this Option shall expire twelve
         months after such death or Total and Permanent Disability, unless such
         date is extended by the Committee pursuant to the Plan, but not later
         than the expiration date specified in Section 4 above.

                  (ii) As a result of termination by the Company for cause as
         defined in the Plan, this Option shall expire at the time notice or
         advice of such removal or termination is dispatched by the Company and,
         notwithstanding anything else herein to the contrary, neither the
         Optionee nor the Optionee's estate shall be entitled to exercise this
         Option with respect to any Shares whatsoever after such removal or
         termination. As used in this paragraph (ii), Company includes
         Subsidiaries of the Company.

                  (iii) As a result of termination for any reason other than
         Total and Permanent Disability, death or cause, the term of the Option
         shall expire three months after such termination, unless such date is
         extended by the Committee pursuant to the Plan, but not later than the
         original expiration date specified in Section 4 above.

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         Neither the Plan nor this Option shall be deemed to give Optionee a
right to remain an Employee or consultant of the Company or Subsidiary. The
Company and its Subsidiaries reserve the right to terminate the service of any
Employee or consultant at any time, with or without cause, subject to applicable
laws and the terms of any written employment agreement.

6.       NON-TRANSFERABILITY OF OPTION.

         This Option may be exercised during the lifetime of Optionee only by
Optionee and may not be transferred in any manner other than by will or by the
laws of descent and distribution, by instrument to an inter vivos or
testamentary trust in which the options are to be passed to beneficiaries upon
the death of the trustor/settlor, or by gift to "immediate family", as that term
is defined in 17 C.F.R. 240.16a-1(e) or successor statute or regulation thereto.
The terms of this Option shall be binding upon the executors, administrators,
heirs, successors and assigns of the Optionee.

7.       ADJUSTMENT OF SHARES.

         In the event of a subdivision or split of the outstanding shares of
common stock of the Company, a declaration of a dividend payable in Shares, a
declaration of a dividend payable in a form other than Shares in an amount that
has a material effect on the value of Shares, a combination or consolidation of
the outstanding shares of common stock (by reverse stock split, reclassification
or otherwise) into a lesser number of Shares, a recapitalization, a spin-off or
a similar occurrence, the Company shall make appropriate adjustments in the
number of Shares covered by the Option and in the Exercise Price of the Option.

         In the event that the Company is a party to a merger or other
reorganization, the Option shall be subject to the agreement of merger or
reorganization.

         Except as provided in the Plan, Optionee shall have no rights by reason
of any subdivision or consolidation of shares of stock of any class, the payment
of any dividend or any other increase or decrease in the number of shares of
stock of any class. Any issue by the Company of shares of stock of any class, or
securities convertible into shares of stock of any class, shall not affect, and
no adjustment by reason thereof shall be made with respect to, the number or
Exercise Price of Shares subject to the Option. The grant of this Option
pursuant to the Plan shall not affect in any way the right or power of the
Company to make adjustments, reclassifications, reorganizations or changes of
its capital or business structure, to merge or consolidate or to dissolve,
liquidate, sell or transfer all or any part of its business or assets.

8.       TAXATION UPON EXERCISE OF OPTION.

         Optionee understands that upon exercise of this Option, the Optionee
will generally recognize income for tax purposes in an amount equal to the
excess of the then Fair Market Value of the Shares over the exercise price. With
respect to any Optionee that is a Payroll Employee only within the definition of
Section 2(f)(i) of the Plan, the Company will be required to withhold tax from
Optionee's current compensation with respect to such income; to the extent that
Optionee's current compensation is insufficient to satisfy the withholding tax
liability, the Company may require the Optionee to make a cash payment to cover
such liability as a condition of exercise of this Option. The Optionee may elect
to pay such tax by (i) requesting the Company to withhold a sufficient number of
Shares from the Shares otherwise due upon exercise or (ii) by delivering a
sufficient number of Shares of the Stock which have been previously held by the
Optionee for such a period of time as the Committee may require. The aggregate
value of the Shares withheld or delivered, as determined by the Committee must
be sufficient to satisfy all such applicable taxes, except as otherwise
permitted by the Committee. If the Optionee is

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subject to Section 16 of the Securities Exchange Act of 1934, as amended, the
Optionee's election must be made in compliance with rules and procedures
established by the Committee.

         THE FEDERAL TAX CONSEQUENCES OF STOCK OPTIONS ARE COMPLEX AND SUBJECT
TO CHANGE. ACCORDINGLY, OPTIONEE (OR HIS OR HER GUARDIAN, ESTATE OR LEGATEE)
SHOULD CONSULT WITH HIS OR HER OWN TAX ADVISOR BEFORE EXERCISING ANY OPTION OR
DISPOSING OF ANY SHARES ACQUIRED UPON THE EXERCISE OF AN OPTION.

Grant Date: __________________________

CENTRAL VALLEY COMMUNITY BANCORP

By: _________________________________
         ____________________, President

By: _________________________________

         ____________________, Secretary

         Optionee represents that Optionee has received a copy of the Plan, has
read the terms and provisions of this Option and hereby accepts the same subject
to all the terms and provisions of the Plan. Optionee hereby agrees to accept as
binding, conclusive and final all decisions, or interpretations of the Board of
Directors or its duly appointed Committee upon any questions arising under the
Plan or this Option Agreement.

Dated: ____________________________

___________________________________
Optionee

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                              CLOVIS COMMUNITY BANK

                                    INCENTIVE

                             STOCK OPTION AGREEMENT

                                      Granting Date:

TO:

         We are pleased to notify you that Clovis Community Bank (the "Bank")
this day hereby grants to you an option to purchase all or any part of
______________ shares of the Common Stock of the Bank (the "Shares") at the
Option Price of _____________ per share as a Stock Option under the Clovis
Community Bank 1992 Stock Option Plan (the Plan").

         THIS OPTION MAY BE EXERCISED ONLY IN ACCORDANCE WITH THE TERMS OF THE
PLAN.  ONLY CERTAIN PROVISIONS OF THE PLAN ARE SUMMARIZED IN THIS AGREEMENT.  A
COPY OF THE PLAN IS PROVIDED WITH THIS AGREEMENT.

         THIS OPTION MAY BE EXERCISED ONLY IF THE PLAN IS APPROVED BY A MAJORITY
OF ALL THE SHARES REPRESENTED AND VOTING AT THE MEETING OF SHAREHOLDERS OF THE
BANK AND BY A MAJORITY OF THE DISINTERESTED SHARES REPRESENTED AND VOTING AT THE
MEETING.

              1.   PURPOSE OF THE OPTION.

         One of the purposes of the Plan is to advance the interests of the Bank
and its affiliates (collectively the "Bank") by stimulating the efforts of
full-time salaried employees and officers on behalf of the Bank by granting them
financial participation in the progress and success of the Bank.

              2.   SIGNATURE ON OPTION AGREEMENT.

         This option cannot be exercised unless you first sign this Agreement in
the place provided and return it to the Secretary of the Bank. However, your
signing and delivering this Agreement will not bind you to purchase any of the
Shares subject to the option. Your obligation to purchase the Shares can arise
only when you exercise this option in the manner set forth in Paragraph 3 below.

              3.   TERMS OF OPTION AND EXERCISE OF OPTION.
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         You may exercise this option during a calendar year only to the extent
that the aggregate fair market value (determined at the times the options are
granted) of the stock that may be acquired pursuant to this option (or portion
thereof) and all other incentive stock options granted after 1986 that are first
exercisable by you during the calendar year does not exceed $100,000 (taking
into account all incentive stock options under any stock option plan of the Bank
or any of its affiliates or any predecessor of any such corporation). If
permitted in regulations promulgated by the Treasury Department or rulings of
the Internal Revenue Service, you may choose, among the incentive stock options
granted under the Plan after 1986 that are otherwise first exercisable by you in
a calendar year, those options you wish to exercise subject to the $100,000
limitation. For example, you may decide to exercise the options that have the
lowest exercise prices. If such a choice is not permitted (as determined by the
Bank in its sole discretion), you must exercise incentive stock options (granted
after 1986) that became first exercisable in a calendar year without regard to
the $100,000 limitation, in the order in which they were granted to you (up to
the $100,000 limit). If you choose not to exercise an option that is first
exercisable in a calendar year under the $100,000 limitation, you may exercise
that option in subsequent years without regard to the $100,000 limitation.

         Subject to the provisions of Paragraph 4 below and this Paragraph 3,
this option can be exercised by you at any time during a period of ___________
(______) months from the granting date as follows:

                   (a) This option may be exercised immediately to the extent of
              not more than _________ percent (____%) of the Shares;

                   (b) After the expiration of _________ (_____) months from the
              granting date, this option may be exercised to the extent of not
              more than ________ percent (____%) of the Shares;

                   (c) After the expiration of __________ (_____) months from
              the granting date, this option may be exercised to the extent of
              an additional ____________________ percent (_____%) of the Shares;

                   (d) After the expiration of ___________ (_____) months from
              the granting date, this option may be exercised to the extent of
              an additional ____________________ percent (_____%) of the Shares;

                   (e) After the expiration of ___________ (_____) months from
              the granting date, this option may be exercised to the extent of
              an additional ____________________ percent (_____%) of the Shares;

                   (f) After the expiration of ___________ (_____) months from
              the granting date, this option may be exercised to the extent of
              an additional ____________________ percent (_____%) of the Shares;

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                   (g) After the expiration of ___________ (_____) months from
              the granting date, this option may be exercised to the extent of
              an additional ____________________ percent (_____%) of the Shares;

                   (h) After the expiration of ___________ (_____) months from
              the granting date, this option may be exercised to the extent of
              an additional ____________________ percent (_____%) of the Shares;

                   (i) After the expiration of ___________ (_____) months from
              the granting date, this option may be exercised to the extent of
              an additional ____________________ percent (_____%) of the Shares;

                   (j) After the expiration of ___________ (_____) months from
              the granting date, this option may be exercised to the extent of
              an additional ____________________ percent (_____%) of the Shares;

                   (k) After the expiration of ___________ (_____) months from
              the granting date, this option may be exercised to the extent of
              an additional ____________________ percent (_____%) of the Shares.

         Any portion of the option that you do not exercise shall accumulate and
can be exercised by you any time prior to the expiration of ____________(______)
months from the granting date.

         This option may be exercised by delivering to the Secretary of the
Bank, payment in full at the Option Price for the number of Shares being
purchased in cash or by certified check or official bank check or the equivalent
thereof acceptable to the Bank, together with a written notice in a form
satisfactory to the Bank, signed by you specifying the number of Shares you then
desire to purchase and the time of delivery thereof, which shall not be less
than fifteen (15) days and not more than thirty (30) days after the giving of
such notice unless an earlier or later date is mutually agreed upon. At such
time the Bank shall, without transfer or issue tax to you (or such other person
entitled to exercise the option), deliver to you (or such other person entitled
to exercise the option) at the principal office of the Bank, or such other place
as shall be mutually acceptable, a certificate or certificates for such Shares
dated the date the options were validly exercised; provided, however, that the
time of such delivery may be postponed by the Bank for such period as may be
required for it with reasonable diligence to comply with any requirements of
law. No fractional Shares shall be issued or delivered.

         As a holder of an option, you shall have the rights of a shareholder
with respect to the Shares subject to this option only after such Shares shall
have been issued to you upon the exercise of this option.

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              4.   TERMINATION OF OFFICE OR EMPLOYMENT.

         If your status as an employee or officer of the Bank is terminated for
any reason other than death or disability or cause, this option may be exercised
within three (3) months from the date of such termination to the extent you were
entitled to exercise the option on the date of termination, but in no event may
this option be exercised after the expiration of the term of this option. If,
however, you are removed from your office or your employment with the Bank is
terminated for cause as defined in the Plan, this option shall expire at the
time notice or advice of such removal or termination is dispatched by the Bank
and notwithstanding anything else herein to the contrary, neither you nor your
estate shall be entitled to exercise any option with respect to any Shares
whatsoever after such removal or termination.

              5.   DEATH OR DISABILITY.

         If you die or become disabled while an officer or employee of the Bank,
the option may be exercised in whole or in part by you or your qualified
representative (in the event of your mental disability) or by the duly
authorized executor of your will or by the duly authorized administrator or
special administrator of your estate (in the event of your death) within twelve
(12) months from the date of your death or disability to the extent that you had
the right to exercise this option on the date of your death or disability, but
in no event after the expiration of the term of this option.

         Disability shall be determined under Section 422A of the Internal
Revenue Code (the "Code") as in effect at the date of such disability. The Code
currently defines disability as follows:

         An individual is permanently and totally disabled if he is unable to
         engage in any substantial gainful activity by reason of any medically
         determinable physical or mental impairment which can be expected to
         result in death or which has lasted or can be expected to last for a
         continuous period of not less than 12 months. An individual shall not
         be considered to be permanently and totally disabled unless he
         furnished proof of the existence thereof in such form and manner, and
         at such times, as the Secretary may require.

              6.   NONTRANSFERABILITY OF OPTION.

         This option shall not be transferable except by will or the laws of
descent and distribution, and this option may be exercised during your lifetime
only by you. Any purported transfer or assignment of this option shall be void
and of no effect, and shall give the Bank the right to terminate this option as
of the date of such purported transfer or assignment.

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              7.   ADJUSTMENT OF AND CHANGES IN THE SHARES.

         In the event of any change in the outstanding Common Stock of the Bank,
without receipt by the Bank of additional consideration in lieu of such change
(whether by reason of stock dividends, recapitalizations, mergers,
consolidations, split-ups, combinations or exchanges of shares and the like),
the aggregate number or class of Shares subject to this option immediately prior
to such event shall be appropriately adjusted by the Board of Directors in
accordance with the terms of the Plan so that your proportionate interest in the
Bank by reason of your rights under any unexercised portions of such options
shall be maintained as before the occurrence of such event. Such adjustment by
the Board of Directors shall be conclusive.

         In the event of a dissolution or liquidation of the Bank or a merger or
consolidation in which the Bank is not the surviving corporation, the Board of
Directors may, in its discretion, provide for the assumption by the surviving or
resulting corporation of every option outstanding hereunder, provided that, if
the Board of Directors does not provide for such assumption, the Board of
Directors shall have the power to cause the termination of every option
outstanding hereunder, except that the surviving or resulting corporation may,
in its discretion, tender an option or options to purchase its shares on its
terms and conditions, both as to the number of shares and otherwise; provided,
further, you shall have the right to exercise this option as to all or any of
the Shares subject to this option immediately prior to such dissolution,
liquidation, merger or consolidation, and to purchase Shares subject hereto to
the extent of any unexercised portion of this option, regardless of the vesting
provisions of Paragraph 3 hereof. This right of exercise shall be conditioned
upon the execution of a final plan of dissolution or liquidation or of a
definitive agreement of merger or consolidation, and the Bank shall provide you
with notice thereof as soon as practicable.

         In the event of an offer by any person or entity to all shareholders of
the Bank to purchase any or all shares of Common Stock of the Bank (or shares of
stock or other securities which shall be substituted for such shares or to which
such shares shall be adjusted as provided in this Paragraph 7), the person
exercising this option shall have the right upon commencement of such offer to
exercise this option to the extent of any unexercised portion and to purchase
Shares subject hereto, regardless of the vesting provisions of Paragraph 3
hereof.

              8.   SUBJECT TO TERMS OF THE PLAN.

         This Agreement shall be subject in all respects to the terms and
conditions of the Plan. Your signature herein represents your acknowledgement of
receipt of a copy of the Plan. Any dispute or disagreement which shall arise
under or as a result of or pursuant to this Agreement shall be finally and
conclusively determined by the Board of Directors of the Bank or a duly
appointed Committee in its sole discretion, and such determination shall be
binding upon all parties.

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              9.   EXERCISE OF OPTION CONDITIONED ON APPROVAL.

         Exercise of this option is conditioned upon approval of the Plan by
the shareholders of the Bank in accordance with the requirements of the
Superintendent of Banks of the State of California.

              10.  TAX EFFECTS.

         THE FEDERAL TAX CONSEQUENCES OF EMPLOYEE STOCK OPTIONS ARE COMPLEX AND
SUBJECT TO CHANGE. ACCORDINGLY, AN OPTIONEE (OR HIS OR HER GUARDIAN, ESTATE OR
LEGATEE) SHOULD CONSULT WITH HIS OR HER OWN TAX ADVISOR BEFORE EXERCISING ANY
OPTION OR DISPOSING OF ANY SHARES ACQUIRED UPON THE EXERCISE OF AN OPTION.

              11.  RIGHTS AS A SHAREHOLDER.

         You have no rights as a shareholder of the Bank with respect to any
Shares until the date of the issuance of a stock certificate to you for such
Shares.

              12.  NOTIFICATION OF SALE.

         You agree that you, or any person acquiring Shares upon exercise of
this Option, will notify the Bank not more than five (5) days after any sale or
disposition of such Shares.

                                       CLOVIS COMMUNITY BANK

                                       By _________________________
Agreed to this _____
day of _____________, 19__.

_______________________________
     Signature of Optionee

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