Central Valley Community Bank

Features	Quick Business Credit	Lines of Credit	Accounts Receivable & Inventory Financing	Business Term Loans	Construction & Real Estate Loans	SBA Loans	Agricultural Loans
General Purpose:	Equipment financing Manage cash flow Unexpected business needs Overdraft protection	Working capital Inventory Business expansion	Support sales growth Inventory acquisition	Business expansion Acquisitions Equipment purchases Permanent working capital	Construction Acquire new facilities Business expansion Refinance	Working capital Business expansion Debt refinance Business purchase Equipment purchases Real estate	Production financing Equipment loans Real estate loans Dairy and Beef cattle financing Inventory and accounts receivable lines of credit
Loan Amounts:	$500 to $250,000	$250,000 and up	$250,000 and up	$250,000 and up	$75,000 and up	$50,000 and up	$100,000 and up
Terms Available:	Various	Annual reviews	Annual renewals	5 to 7 years	Up to 25 years amortization	Real estate up to 25 years Equipment up to 10 years Working capital up to 7 years	Production = 1 - 2 years Equipment = 5 years Real Estate = 20 year amortization Dairy Cattle = 5 - 7 years
Interest Terms:	Fixed & variable rates	Variable rates	Variable rates	Fixed & variable rates	Fixed & variable rates	Fixed & variable rates	Fixed & variable rates
Monthly Payment:	Varies with product & loan amount	Interest only	Interest only	Principal & interest	Principal & interest	Principal & interest	Up to semi-annual
Access:	As needed by check or phone or through Cash Management	As needed by phone or through Cash Management	As needed by phone or through Cash Management	Single and multiple disbursements or through Cash Management	Single & multiple disbursements or through Cash Management	Single & multiple disbursements or through Cash Management	Single & multiple disbursement or through Cash Management
Collateral:	Unsecured or secured	Unsecured or secured	Secured	Secured	Real estate	Secured	Secured
Additional Information:	Easy application Requires only limited financial information Quick decisions Quick access to funds	Local lending authority Local relationship officer	Local lending authority Local relationship officer	Local lending authority Local relationship officer	Local lending authority Local Relationship Officer	Local lending authority Local Relationship Officer Both 504 & 7(A) programs Term loans and lines of credit SBA Preferred Lender	Local lending authority Federal and State guarantees Local Relationship Officer

Personal Checking	Convenience Products	Personal Savings	IRA	Consumer Loans	Real Estate Loans	Business Checking & Savings	Business Loans
Please Note: This information is accurate as of March 2008. Central Valley Community Bank reserves the right to make changes at any time as a result of a change of policy, law, and regulation or otherwise.