Document:

Exhibit 10.20

                              AMENDED AND RESTATED
                           TEMECULA VALLEY BANK, N.A.
                          SALARY CONTINUATION AGREEMENT

     THIS AGREEMENT is adopted this 30th day of September, 2004, by and between
the TEMECULA VALLEY BANK, N.A., a national banking association located in
Temecula, California (the "Company") and SCOTT J. WORD (the "Executive"),
amending, restating and replacing the Temecula Valley Bank, N.A., Salary
Continuation Agreement dated January 1, 2000, between the Company and the
Executive.

                                  INTRODUCTION

WITNESSETH:

     WHEREAS, the Executive is in the employ of the Company, serving as its
Executive Vice President and Senior Lending Officer; and

     WHEREAS, the experience, knowledge of the affairs of the Company, and
reputation and contacts in the industry of the Executive are so valuable that
assurance of the Executive's continued service is essential for the future
growth and profits of the Company, and it is in the best interest of the Company
to arrange terms of continued employment for the Executive so as to reasonably
assure the Executive's remaining in the Company's employment during the
Executive's lifetime or until the age of retirement; and

     WHEREAS, it is the desire of the Company that the Executive's services be
retained as herein provided; and

     WHEREAS, the Executive is willing to continue in the employ of the Company
provided the Company agrees to pay to the Executive or the Executive's
beneficiaries certain benefits in accordance with the terms and conditions
hereinafter set forth.

     NOW, THEREFORE, in consideration of the services to be performed in the
future, as well as the mutual promises and covenants herein contained, it is
agreed as follows:

                                    Article 1
                                   Definitions

     Whenever used in this Agreement, the following words and phrases shall have
the meanings specified:

     1.1  "Change of Control" means that the Executive has been terminated
within 12 months of: (1) a tender offer made and consummated for the ownership
of 25% or more of the outstanding voting securities of the Company; (ii) a
merger or consolidation of the Company
<PAGE>
with another bank or corporation and as a result of such merger or consolidation
less than 75% of the outstanding voting securities of the surviving or resulting
bank or shareholders of the Company, other than affiliates (within the meaning
of the Securities Exchange Act of 1934) of any party to such merger or
consolidation, as the same shall have existed immediately prior to such merger
or consolidation, (iii) a sale of substantially all of the Company's assets to
another bank or corporation which is not a wholly owned subsidiary; or (iv) an
acquisition of the Company by a person, within the meaning of Section 3(a)(9) or
of Section 13(d)(3) (as in effect on the date hereof) of the Securities Exchange
Act of 1934, of 25% or more of the outstanding voting securities of the Company
(whether directly, indirectly, beneficially or of record). For purposes hereof,
ownership of voting securities shall take into account and shall include
ownership as determined by applying the provisions of Rule 13d-3(d)(1)(I) (as in
effect on the date hereof) pursuant to the Securities Exchange Act of 1934.

     1.2  "Code" means the Internal Revenue Code of 1986, as amended.

     1.3  "Disability" means the Executive suffering a sickness, accident or
injury which has been determined by the carrier of any individual or group
disability insurance policy covering the Executive, or by the Social Security
Administration, to be a disability rendering the Executive totally and
permanently disabled. The Executive must submit proof to the Company of the
carrier's or Social Security Administration's determination upon the request of
the Company.

     1.4  "Early Termination" means the Termination of Employment before Normal
Retirement Age for reasons other than death, Disability, Termination for Cause
or following a Change of Control.

     1.5  "Early Termination Date" means the month, day and year in which Early
Termination occurs.

     1.6  "Effective Date" means January 1, 2004.

     1.7  "Normal Retirement Age" means the Executive's 65th birthday.

     1.8  "Normal Retirement Date" means the later of the Normal Retirement Age
or Termination of Employment.

     1.9  "Plan Year" means a twelve-month period commencing on January 1 and
ending on December 31 of each year. The initial Plan Year shall commence on the
effective date of this Agreement.

     1.10  "Termination for Cause" See Section 5.1.

     1.11 "Termination of Employment" means that the Executive ceases to be
employed by the Company for any reason whatsoever other than by reason of a
leave of absence, which is approved by the Company. For purposes of this
Agreement, if there is a dispute over the employment status of the Executive or
the date of the Executive's Termination of Employment, the Company shall have
the sole and absolute right to determine the termination date.
<PAGE>
                                    Article 2
                                Lifetime Benefits

     2.1  Normal Retirement Benefit. Upon Termination of Employment on or after
the Normal Retirement Age for reasons other than death, the Company shall pay to
the Executive the benefit described in this Section 2.1 in lieu of any other
benefit under this Agreement.

          2.1.1  Amount of Benefit. The annual benefit under this Section 2.1 is
     $60,000 (Sixty Thousand Dollars). The Board of Directors may in its sole
     and absolute discretion unilaterally increase the annual benefit amount at
     the end of each Plan Year from the date of this Agreement to the
     Executive's Normal Retirement Date. If the Board of Directors increase this
     annual benefit, then the Schedule A attached hereto shall also be
     recalculated to increase the benefits under Article 2 of this Agreement.

          2.1.2  Payment of Benefit. The Company shall pay the annual benefit to
     the Executive in 12 equal monthly installments payable on the first day of
     each month commencing with the month following the Executive's Normal
     Retirement Date. The Company shall pay this annual benefit to the Executive
     for 15 years.

          2.1.3  Benefit Increases. Commencing on the first anniversary of the
     first benefit payment, and continuing on each subsequent anniversary, the
     Company's Board of Directors, in its sole discretion, may increase the
     benefit.

     2.2  Early Termination Benefit. Upon Early Termination, the Company shall
pay to the Executive the benefit described in this Section 2.2 in lieu of any
other benefit under this Agreement.

          2.2.1  Amount of Benefit. The benefit under this Section 2.2 is the
     Early Termination amount set forth in Schedule A for the Plan Year ending
     immediately prior to the Early Termination Date, determined by vesting the
     Executive in the Accrual Balance. However, the Executive shall not be
     entitled to any benefit if he voluntarily terminates his employment prior
     to the end of the fifth Plan Year. Any increase in the annual benefit under
     Section 2.1 shall require the recalculation of this benefit as set forth in
     Schedule A.

          2.2.2  Payment of Benefit. The Company shall pay the annual benefit
     amount to the Executive in 12 equal monthly installments payable on the
     first day of each month commencing with the month following the Normal
     Retirement Date. The Company shall pay this annual benefit to the Executive
     for 15 years.

     2.3  Disability Benefit. If the Executive terminates employment due to
Disability prior to Normal Retirement Age, the Company shall pay to the
Executive the benefit described in this Section 2.3 in lieu of any other benefit
under this Agreement.

          2.3.1  Amount of Benefit. The benefit under this Section 2.3 is the
     Disability amount set forth in Schedule A for the Plan Year ending
     immediately prior to the date in which the Termination of Employment
     occurs, determined by vesting the Executive in the Accrual Balance. Any
     increase in the annual benefit under Section 2.1 shall require the
<PAGE>
     recalculation of this benefit amount as set forth in Schedule A.

          2.3.2  Payment of Benefit. The Company shall pay the annual benefit
     amount to the Executive in 12 equal monthly installments payable on the
     first day of each month commencing with the month following Termination of
     Employment. The Company shall pay this annual benefit to the Executive for
     15 years.

     2.4  Change of Control Benefit. Upon a Change of Control, the Company shall
pay to the Executive the benefit described in this Section 2.4 in lieu of any
other benefit under this Agreement.

          2.4.1  Amount of Benefit. The benefit under this Section 2.4 is the
     Change of Control Lump Sum set forth in Schedule A for the Plan Year ending
     immediately prior to the date in which Termination of Employment occurs,
     determined by vesting the Executive in the Accrual Balance. Any increase in
     the annual benefit under Section 2.1 shall require the recalculation of
     this benefit as set forth in Schedule A.

          2.4.2  Payment of Benefit. The company shall pay the benefit to the
     Executive in a lump sum within 60 days following a Change of Control.

                                    Article 3
                                 Death Benefits

     The Company shall not pay a death benefit under this Agreement. A death
benefit may be provided according to the terms of a separate Split Dollar
Agreement entered into by the Company and the Executive.

                                    Article 4
                                  Beneficiaries

     4.1  Beneficiary Designations. The Executive shall designate a beneficiary
by filing a written designation with the Company. The Executive may revoke or
modify the designation at any time by filing a new designation. However,
designations will only be effective if signed by the Executive and received by
the Company during the Executive's lifetime. The Executive's beneficiary
designation shall be deemed automatically revoked if the beneficiary predeceases
the Executive, or if the Executive names a spouse as beneficiary and the
marriage is subsequently dissolved. If the Executive dies without a valid
beneficiary designation, all payments shall be made to the Executive's estate.

     4.2  Facility of Payment. If a benefit is payable to a minor, to a person
declared incompetent, or to a person incapable of handling the disposition of
his or her property, the Company may pay such benefit to the guardian, legal
representative or person having the care or custody of such minor, incompetent
person or incapable person. The Company may require proof of incapacity,
minority or guardianship as it may deem appropriate prior to distribution of the
benefit. Such distribution shall completely discharge the Company from all
liability with respect to such benefit.
<PAGE>
                                    Article 5
                               General Limitations

     5.1  Termination for Cause. Notwithstanding any provision of this Agreement
to the contrary, the Company shall not pay any benefit under this Agreement if
the Company terminates the Executive's employment for:

          (a)  any act of embezzlement, fraud, breach of fiduciary duty or
               dishonesty;

          (b)  deliberate or repeated disregard of the policies and rules of
     Company as adopted by Company's Board of Directors;

          (c)  unauthorized use or disclosure of any of the trade secrets or
     confidential information of Company;

          (d)  competition with Company, inducement of any customer of the
     Company to breach a contract with the Company, or inducement of any
     principal for whom the Company acts as agent to terminate such agency
     relationship;

          (e)  gross negligence adversely impacting the Company; or

          (f)  willful breach of this Agreement or any other willful misconduct.

     5.2  Competition After Termination of Employment. No benefits shall be
payable if the Executive, without the prior written consent of the Company,
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 Company
within 2 years of Termination of Employment, which enterprise is, or may deemed
to be, competitive with any business carried on by the Company as of the date of
termination of the Executive's employment or his retirement. This section shall
not apply following a Change of Control.

     5.3  Suicide or Misstatement. No benefits shall be payable if the Executive
commits suicide within two years after the date of this Agreement, or if the
Executive has made any material misstatement of fact on any application for life
insurance purchased by the Company.

                                    Article 6
                          Claims and Review Procedures

     6.1  Claims Procedure. Any person or entity who has not received benefits
under the Plan that he or she believes should be paid ("claimant") shall make a
claim for such benefits as follows:

          6.1.1  Initiation -- Written Claim. The claimant initiates a claim by
     submitting to the Company a written claim for the benefits.
<PAGE>

          6.1.2  Timing of Company Response. The Company shall respond to such
     claimant within 90 days after receiving the claim. If the Company
     determines that special circumstances require additional time for
     processing the claim, the Company can extend the response period by an
     additional 90 days by notifying the claimant in writing, prior to the end
     of the initial 90-day period, that an additional period is required. The
     notice of extension must set forth the special circumstances and the date
     by which the Company expects to render its decision.

          6.1.3  Notice of Decision. If the Company denies part or all of the
     claim, the Company shall notify the claimant in writing of such denial. The
     Company shall write the notification in a manner calculated to be
     understood by the claimant. The notification shall set forth:

               (a)  The specific reasons for the denial,
               (b)  A reference to the specific provisions of the Plan on which
                    the denial is based,
               (c)  A description of any additional information or material
                    necessary for the claimant to perfect the claim and an
                    explanation of why it is needed,
               (d)  An explanation of the Plan's review procedures and the time
                    limits applicable to such procedures, and
               (e)  A statement of the claimant's right to bring a civil action
                    under ERISA Section 502(a) following an adverse benefit
                    determination on review.

     6.2 Review Procedure. If the Company denies part or all of the claim, the
claimant shall have the opportunity for a full and fair review by the Company of
the denial, as follows:

          6.2.1  Initiation -- Written Request. To initiate the review, the
     claimant, within 60 days after receiving the Company's notice of denial,
     must file with the Company a written request for review.

          6.2.2 Additional Submissions -- Information Access. The claimant shall
     then have the opportunity to submit written comments, documents, records
     and other information relating to the claim. The Company shall also provide
     the claimant, upon request and free of charge, reasonable access to, and
     copies of, all documents, records and other information relevant (as
     defined in applicable ERISA regulations) to the claimant's claim for
     benefits.

          6.2.3  Considerations on Review. In considering the review, the
     Company shall take into account all materials and information the claimant
     submits relating to the claim, without regard to whether such information
     was submitted or considered in the initial benefit determination.

          6.2.4  Timing of Company Response. The Company shall respond in
     writing to such claimant within 60 days after receiving the request for
     review. If the Company determines that special circumstances require
     additional time for processing the claim, the Company can extend the
     response period by an additional 60 days by notifying the claimant in
     writing, prior to the end of the initial 60-day period, that an additional
     period is required.
<PAGE>
     The notice of extension must set forth the special circumstances and the
     date by which the Company expects to render its decision.

          6.2.5  Notice of Decision. The Company shall notify the claimant in
     writing of its decision on review. The Company shall write the notification
     in a manner calculated to be understood by the claimant. The notification
     shall set forth:

               (a)  The specific reasons for the denial,
               (b)  A reference to the specific provisions of the Plan on which
                    the denial is based,
               (c)  A statement that the claimant is entitled to receive, upon
                    request and free of charge, reasonable access to, and copies
                    of, all documents, records and other information relevant
                    (as defined in applicable ERISA regulations) to the
                    claimant's claim for benefits, and
               (d)  A statement of the claimant's right to bring a civil action
                    under ERISA Section 502(a).

                                    Article 7
                           Amendments and Termination

     This Agreement may be amended or terminated only by a written agreement
signed by the Company and the Executive.

                                    Article 8
                                  Miscellaneous

     8.1  Binding Effect. This Agreement shall bind the Executive and the
Company, and their beneficiaries, survivors, executors, successors,
administrators and transferees.

     8.2  No Guarantee of Employment. This Agreement is not an employment policy
or contract. It does not give the Executive the right to remain an employee of
the Company, nor does it interfere with the Company's right to discharge the
Executive. It also does not require the Executive to remain an employee nor
interfere with the Executive's right to terminate employment at any time.

     8.3  Non-Transferability. Benefits under this Agreement cannot be sold,
transferred, assigned, pledged, attached or encumbered in any manner.

     8.4  Tax Withholding. The Company shall withhold any taxes that are
required to be withheld from the benefits provided under this Agreement.

     8.5  Applicable Law.  The Agreement and all rights hereunder shall be
governed by the laws of the State of California, except to the extent preempted
by the laws of the United States of America.

     8.6  Unfunded Arrangement. The Executive and beneficiary are general
unsecured creditors of the Company for the payment of benefits under this
Agreement. The benefits represent the mere promise by the Company to pay such
benefits. The rights to benefits are not
<PAGE>
subject in any manner to anticipation, alienation, sale, transfer, assignment,
pledge, encumbrance, attachment, or garnishment by creditors. Any insurance on
the Executive's life is a general asset of the Company to which the Executive
and beneficiary have no preferred or secured claim.

     8.7  Recovery of Estate Taxes. If the Executive's gross estate for federal
estate tax purposes includes any amount determined by reference to and on
account of this Agreement, and if the beneficiary is other than the Executive's
estate, then the Executive's estate shall be entitled to recover from the
beneficiary receiving such benefit under the terms of the Agreement, an amount
by which the total estate tax due by the Executive's estate, exceeds the total
estate tax which would have been payable if the value of such benefit had not
been included in the Executive's gross estate. If there is more than one person
receiving such benefit, the right of recovery shall be against each such person.
In the event the beneficiary has a liability hereunder, the beneficiary may
petition the Company for a lump sum payment in an amount not to exceed the
beneficiary's liability hereunder.

     8.8  Entire Agreement. This Agreement constitutes the entire agreement
between the Company and the Executive as to the subject matter hereof. No rights
are granted to the Executive by virtue of this Agreement other than those
specifically set forth herein.

     8.9  Administration. The Company shall have powers which are necessary to
administer this Agreement, including but not limited to:

          (a)  Interpreting the provisions of the Agreement;
          (b)  Establishing and revising the method of accounting for the
               Agreement;
          (c)  Maintaining a record of benefit payments; and
          (d)  Establishing rules and prescribing any forms necessary or
               desirable to administer the Agreement.

     8.10 Named Fiduciary. For purposes of the Employee Retirement Income
Security Act of 1974, if applicable, the Company shall be the named fiduciary
and plan administrator under the Agreement. The named fiduciary may delegate to
others certain aspects of the management and operation responsibilities of the
plan including the employment of advisors and the delegation of ministerial
duties to qualified individuals.

     IN WITNESS WHEREOF, the Executive and a duly authorized Company officer
consent to this Agreement.

EXECUTIVE:                                   COMPANY:

                                             TEMECULA VALLEY BANK, N.A.

/s/ Scott J. Word                            By  /s/ Donald A. Pitcher
-----------------
Scott J. Word                                Title  Executive Vice President/CFOExhibit 10.21

                              TEMECULA VALLEY BANK
                             SPLIT DOLLAR AGREEMENT

       THIS AGREEMENT is adopted this 30th day of September, 2004, by and
between TEMECULA VALLEY BANK, a nationally-chartered commercial bank, located in
Temecula, California (the "Company"), and Thomas p. ivory (the "Executive").
This Agreement shall append the Split Dollar Endorsement entered into on even
date herewith or as subsequently amended, by and between the aforementioned
parties.

                                  INTRODUCTION

       To encourage the Executive to remain an employee of the Company, the
Company is willing to divide the death proceeds of a life insurance policy on
the Executive's life. The Company will pay life insurance premiums from its
general assets.

                                    AGREEMENT

       The Company and the Executive agree as follows:

                                    Article 1
                               General Definitions

The following terms shall have the meanings specified:

     1.1 "Insured" means the Executive.

     1.2 "Insurer" means each life insurance carrier in which there is a Split
Dollar Policy Endorsement attached to this Agreement.

     1.3 "Policy" means the specific life insurance policy or policies issued by
the Insurer.

                                    Article 2
                           Policy Ownership/Interests

     2.1 Company Ownership. The Company is the sole owner of the Policy and
shall have the right to exercise all incidents of ownership. The Company shall
be the beneficiary of the remaining death proceeds of the Policy after the
Interest of the Executive or the Executive's transferee has been paid according
to Section 2.2 below.

     2.2 Executive's Interest. The Executive shall have the right to designate
the beneficiary of $683,000 (Six Hundred Eighty-Three Thousand Dollars). The
Executive shall also have the right to elect and change settlement options that
may be permitted. Upon the termination of this Agreement pursuant to Article 7,
the Executive, the Executive's transferee or the Executive's beneficiary shall
have no rights or interests in the Policy and no death benefit shall be paid
under this Section 2.2.

<PAGE>

         2.3 Comparable Coverage. Upon execution of this Agreement, the Company
shall maintain the Policy in full force and effect and in no event shall the
Company amend, terminate or otherwise abrogate the Executive's interest in the
Policy, unless the Company replaces the Policy with a comparable insurance
policy to cover the benefit provided under this Agreement and the Company and
the Executive execute a new Split Dollar Policy Endorsement for said comparable
insurance policy. The Policy or any comparable policy shall be subject to the
claims of the Company's creditors.

                                    Article 3
                                    Premiums

     3.1 Premium Payment. The Company shall pay any premiums due on the Policy.

     3.2 Economic Benefit. The Company shall determine the economic benefit
attributable to the Executive based on the amount of the current term rate for
the Executive's age multiplied by the aggregate death benefit payable to the
Executive's beneficiary. The "current term rate" is the minimum amount required
to be imputed under Revenue Rulings 64-328 and 66-110, or any subsequent
applicable authority.

     3.3 Imputed Income. The Company shall impute the economic benefit to the
Executive on an annual basis.

                                    Article 4
                                   Assignment

       The Executive may assign without consideration all of the Executive's
interests in the Policy and in this Agreement to any person, entity or trust. In
the event the Executive transfers all of the Executive's interest in the Policy,
then all of the Executive's interest in the Policy and in the Agreement shall be
vested in the Executive's transferee, who shall be substituted as a party
hereunder and the Executive shall have no further interest in the Policy or in
this Agreement.

                                    Article 5
                                     Insurer

       The Insurer shall be bound only by the terms of the Policy. Any payments
the Insurer makes or actions it takes in accordance with the Policy shall fully
discharge it from all claims, suits and demands of all entities or persons. The
Insurer shall not be bound by or be deemed to have notice of the provisions of
this Agreement.

<PAGE>

                                    Article 6
                           Claims and Review Procedure

       6.1 Claims Procedure. Any person or entity who has not received benefits
under the Agreement that he or she believes should be paid (the "claimant")
shall make a claim for such benefits as follows:

              6.1.1 Initiation - Written Claim. The claimant initiates a claim
       by submitting to the Company a written claim for the benefits.

              6.1.2 Timing of Company Response. The Company shall respond to
       such claimant within 90 days after receiving the claim. If the Company
       determines that special circumstances require additional time for
       processing the claim, the Company can extend the response period by an
       additional 90 days by notifying the claimant in writing, prior to the end
       of the initial 90-day period that an additional period is required. The
       notice of extension must set forth the special circumstances and the date
       by which the Company expects to render its decision.

              6.1.3 Notice of Decision. If the Company denies part or all of the
       claim, the Company shall notify the claimant in writing of such denial.
       The Company shall write the notification in a manner calculated to be
       understood by the claimant. The notification shall set forth:

(a)  The specific reasons for the denial,

(b)  A reference to the specific provisions of this Agreement on which the
     denial is based,

(c)  A description of any additional information or material necessary for the
     claimant to perfect the claim and an explanation of why it is needed,

(d)  An explanation of this Agreement's review procedures and the time limits
     applicable to such procedures, and

(e)  A statement of the claimant's right to bring a civil action under ERISA
     Section 502(a) (29 United States Code section 1132(a)) following an adverse
     benefit determination on review.

       6.2 Review Procedure. If the Company denies part or all of the claim, the
claimant shall have the opportunity for a full and fair review by the Company of
the denial, as follows:

              6.2.1 Initiation - Written Request. To initiate the review, the
       claimant, within 60 days after receiving the Company's notice of denial,
       must file with the Company a written request for review.

              6.2.2 Additional Submissions - Information Access. The claimant
       shall then have the opportunity to submit written comments, documents,
       records and other information relating to the claim. The Company shall
       also provide the claimant, upon request and free of charge, reasonable
       access to, and copies of, all documents, records and other information
       relevant (as defined in applicable ERISA regulations) to the claimant's
       claim for benefits.

<PAGE>

              6.2.3 Considerations on Review. In considering the review, the
       Company shall take into account all materials and information the
       claimant submits relating to the claim, without regard to whether such
       information was submitted or considered in the initial benefit
       determination.

              6.2.4 Timing of Company Response. The Company shall respond in
       writing to such claimant within 60 days after receiving the request for
       review. If the Company determines that special circumstances require
       additional time for processing the claim, the Company can extend the
       response period by an additional 60 days by notifying the claimant in
       writing, prior to the end of the initial 60-day period that an additional
       period is required. The notice of extension must set forth the special
       circumstances and the date by which the Company expects to render its
       decision.

              6.2.5 Notice of Decision. The Company shall notify the claimant in
       writing of its decision on review. The Company shall write the
       notification in a manner calculated to be understood by the claimant. The
       notification shall set forth:

     (a)  The specific reasons for the denial,

     (b)  A reference to the specific provisions of this Agreement on which the
          denial is based,

     (c)  A statement that the claimant is entitled to receive, upon request and
          free of charge, reasonable access to, and copies of, all documents,
          records and other information relevant (as defined in applicable ERISA
          regulations) to the claimant's claim for benefits, and

     (d)  A statement of the claimant's right to bring a civil action under
          ERISA Section 502(a).

                                    Article 7
                           Amendments and Termination

       7.1 This Agreement may be amended or terminated only by a written
agreement signed by the Company and the Executive. In the event that the Company
decides to maintain the Policy after the termination of the Agreement, the
Company shall be the direct beneficiary of the entire death proceeds of the
Policy.

       7.2 Notwithstanding any provision of this Agreement to the contrary, the
Company shall not pay any benefit under this Agreement if the Company terminates
the Executive's employment for:

     (a)  Willful breach of duty in the course of employment or habitual neglect
          of employment responsibilities and duties;

     (b)  Conviction of any felony or crime involving moral turpitude, fraud or
          dishonesty;

     (c)  Willful violation of any state or federal banking or securities law,
          the rules or regulations of any banking agency, or any material
          Company rule, policy or resolution resulting in an adverse effect on
          the Company; or

<PAGE>

     (d)  Disclosure to any third party by the Executive, without authority or
          permission, of any secret or confidential information of the Company.

       7.3 Suicide or Misstatement. The Company shall not pay any benefit under
this Agreement if the Executive commits suicide within three years after the
date of this Agreement. In addition, the Company shall not pay any benefit under
this Agreement if the Executive has made any material misstatement of fact on an
employment application or resume provided to the Company, or on any application
for any benefits provided by the Company to the Executive.

                                    Article 8
                                  Miscellaneous

     8.1 Binding Effect. This Agreement shall bind the Executive and the Company
and their beneficiaries, survivors, executors, administrators and transferees,
and any Policy beneficiary.

     8.2 No Guarantee of Employment. This Agreement is not an employment policy
or contract. It does not give the Executive the right to remain an employee of
the Company, nor does it interfere with the Company's right to discharge the
Executive. It also does not require the Executive to remain an employee nor
interfere with the Executive's right to terminate employment at any time.

     8.3 Applicable Law. The Agreement and all rights hereunder shall be
governed by and construed according to the laws of the State of California,
except to the extent preempted by the laws of the United States of America.

     8.4 Reorganization. The Company shall not merge or consolidate into or with
another company, or reorganize, or sell substantially all of its assets to
another company, firm or person unless such succeeding or continuing company,
firm or person agrees to assume and discharge the obligations of the Company.

     8.5 Notice. Any notice, consent or demand required or permitted to be given
under the provisions of this Split Dollar Agreement by one party to another
shall be in writing, shall be signed by the party giving or making the same, and
may be given either by delivering the same to such other party personally, or by
mailing the same, by United States certified mail, postage prepaid, to such
party, addressed to his or her last known address as shown on the records of the
Company. The date of such mailing shall be deemed the date of such mailed
notice, consent or demand.

     8.6 Entire Agreement. This Agreement constitutes the entire agreement
between the Company and the Executive as to the subject matter hereof. No rights
are granted to the Executive by virtue of this Agreement other than those
specifically set forth herein.

     8.7 Administration. The Company shall have powers which are necessary to
administer this Agreement, including but not limited to:

     (a)  Interpreting the provisions of this Agreement;

     (b)  Establishing and revising the method of accounting for this Agreement;

<PAGE>

     (c)  Maintaining a record of benefit payments; and

     (d)  Establishing rules and prescribing any forms necessary or desirable to
          administer this Agreement.

       8.8 Named Fiduciary. The Company shall be the named fiduciary and
administrator under the Agreement. The named fiduciary may delegate to others
certain aspects of the management and operation responsibilities of the plan
including the employment of advisors and the delegation of ministerial duties to
qualified individuals.

       IN WITNESS WHEREOF, the Executive and the Company consent to this
Agreement on the date above written.

EXECUTIVE:                   COMPANY:
                             TEMECULA VALLEY BANK

/s/ Thomas P. Ivory          By  /s/ Donald A. Pitcher
-------------------          -------------------------
Thomas P. Ivory              Title  Executive Vice President/CFO

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00074-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00074-of-00352.parquet"}]]