Central Valley Community Bank

	Community Credit Line	Auto Loans	Recreational Vehicle Loans	VISA® & MasterCard Classic**
Designed For:	Instant borrowing power at any time, for any reason	Purchase of new or used car/light duty truck or sport utility vehicle Refinance of existing auto loans or leases	Purchase of a new or used recreational vehicles including boats and RVs Refinance of existing loans or leases	Instant purchasing power at any time, for any reason
Loan Amount:	$500 to $35,000	Minimum: $2,000	Minimum: $5,000	Credit limit established upon approval ($500 to $5,000)
Terms:	Varies with program or ask a representative for details	Varies with program or ask a representative for details	Varies with program or ask a representative for details	Annual Fee: $20 Grace Period: Not less than 25 days
Interest:	Fixed Rates	Fixed Rates	Fixed Rates	16.56% APR for purchases 9.99% APR for balance transfers
Options / Benefits:	Automatic loan payment Easy access by ATM or check Easy application Convenient	Pre-approvals Extended terms Discounts for certain deposit relationships and automatic payments available	Pre-approvals Extended terms Discounts for certain deposit relationships and automatic payments available	Competitive interest rate No transaction fee for balance transfers No over limit fee Discounts on eyewear, pharmacy, travel reservations and auto rentals

	EquityFlex Home Equity Credit Line	Home Equity Loans	Home Equity Line of Credit	VISA® Gold**
Designed For:	Instant borrowing power Home Improvement Debt consolidation Educational Expenses Purchases	Home improvement Consolidate debt with extended terms Special events in your life	Instant borrowing power Home improvement Tax planning Purchases	Instant purchasing power at any time, for any reason
Loan Amount:	Minimum: $10,000	Minimum: $10,000	Minimum: $10,000	Credit limit established upon approval $5,000 to $35,000
Terms:	Varies with program or ask a representative for details	Varies with program or ask a representative for details	Varies with program or ask a representative for details	Annual Fee: $25 Grace Period: Not less than 25 days
Interest:	Variable Rates	Fixed Rates	Variable Rates	11.90% APR for purchases 9.99% APR for balance transfers
Benefits:	Provides the security of a line of credit with the flexibility of fixing a portion of the line of credit to a fixed rate loan May receive tax benefits * Automatic loan payment Lower monthly payments Easy access to funds	May receive tax benefits* Automatic loan payments	Automatic loan payments May receive tax benefits* Lower monthly payments Easy access to funds	Competitive interest rate No transaction fee for balance transfers No over limit fee Discounts on eyewear, pharmacy, travel reservations and auto rentals Benefits including medical assistance, bonus travel dividends, lost luggage locator tag and concierge service

Personal Checking	Convenience Products	Personal Savings	IRA	Consumer Loans	Real Estate Loans	Business Checking & Savings	Business Loans
Home Equity Line of Credit and Home Equity Loans may receive tax benefits. Consult your tax advisor. *Additional fees may apply. 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.