Central Valley Community Bank


	BankLine (24 - Hour Phone Banking)	Direct Deposit	Community Credit Line (Overdraft Protection)	Central Valley Community Bank ATM Card	Central Valley Community Bank ATM/Check Card
Designed For:	24 - hour access to account information Perform various bank transactions at your convenience	Immediate access to your money with no hassles	Instant borrowing power at any time, for any reason Overdraft protection	Provides convenient access to ATM's worldwide	Enables you to make checking purchases without writing checks
Cost:	No Fee.	No Fee. Must sign-up.	No Fee. Must sign up.	CVCB ATM – No charge Transactions at non-CVCB ATM- No CVCB charge*	No Fee. Must sign up.
Options / Benefits:	Accessible anywhere in the U.S. using the toll free number 1-800-298-1775 Access your checking, savings, CD, or IRA account Transfer funds between accounts Secure and reliable	Have paychecks, Social Security checks, or any other recurring deposits directly deposited every month Deposits made to either checking or savings accounts Funds are available immediately Secure and reliable	$500 to $35,000 limit Automatic payment from linked checking account Easy access by ATM or check Easy application and qualification Convenient	Easy access to funds Use Central Valley Community Bank ATMs to transfer funds between accounts, make deposits or get cash Use the following ATMs worldwide: • Star® • Plus® • American Express® • Mastercard® • VISA® • Cirrus® • Discover®	Easy access to funds Funds are taken directly from your checking account Make purchases wherever VISA® is accepted

	Personal Online Banking	Business Online Banking	Courier Service	Quick Business CreditSM	In-Store Office Extended Hours
Designed For:	Immediate access to your account information from the convenience of your personal computer	Immediate access to your account information from the convenience of your business computer	Making non-cash deposits without leaving your office	A quick response to loans & lines up to $250,000	Access to a full-service bank after work hours and on weekends
Cost:	No Fee. Must sign-up.	No Fee. Must sign-up.	One pick-up/ week: $40.00/mo. Two pick-ups/ week: $60.00/mo. Three pick-ups/ week:$90.00/mo. Four pick-ups/ week:$110.00/mo. Daily pick-ups (M-F):$125.00 Single pick-up on as-needed basis $15.00	No Fee. Must sign up.	No Fee.
Options / Benefits:	Perform account reconcilement, generate daily statements, make balance transfers and loan payments Secure and reliable Bill Pay available on request, fees vary.	Perform account reconcilement, generate daily statements, make balance transfers and loan payments Secure and reliable Access multiple accounts Request wire transfers Make EFTPS tax payments Pay Bills Create ACH originations Remote Deposit	A Bank representative will pick up non-cash deposits at your business Pick-ups can be made as frequently as necessary All deposits are credited on the same day No minimum balance required Subject to certain geographic areas	QuickLineSM provides cash conveniently for your ongoing and temporary needs QuickLoanSM provides financing for long-term and one-time needs Business VISA Credit Card provides financing for business travel, expenses and purchases	Convenient location inside SaveMart supermarket at Herndon & Fowler Office is open 6 days a week; evenings and on Saturdays • M-F: 10 a.m- 7 p.m. • Sat: 10 a.m- 5 p.m. Same array of financial services as the Bank's other offices is available

Personal Checking	Convenience Products	Personal Savings	IRA	Consumer Loans	Real Estate Loans	Business Checking & Savings	Business Loans
*Other non-CVCB Charges 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.