Central Valley Community Bank

	Fixed Rate Home Loan	Adjustable Rate Home Loan	Single Family Construction Loans	Commercial Real Estate Loans
Loan Designed For:	Stable, long-term payments Customers who want to stay in their home more than 7 years	Customers who want to capitalize on low rates Customers who plan on moving within a few years of purchase	Purchase of a lot and construction of your own home	Construction and permanent financing packages are available for professional office, rental, apartments, warehouse and industrial properties
Amount of Loan:	Conventional to $359,650 Jumbo loans available	Conventional to $359,650 Jumbo loans available	Varies with program or ask a representative for details	Varies with program or ask a representative for details
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	Varies with program or ask a representative for details
Interest:	Rate stays fixed over the term of the loan	Variable rate tied to an index	Fixed and variable rates	Construction loans: variable tied to prime Permanent loans: competitive fixed or variable rate programs available
Benefits:	Stable, fixed house payments for the life of the loan Wide choice of loan products available	Allows you to take advantage of falling or low interest rates May provide a lower starting interest rate at the start of the loan Monthly payments are generally lower in the beginning of the loan which may help you qualify for a higher loan amount	Permanent loan will be processed during the construction period and available at building completion Because your construction loan is administered locally, inspections and disbursements are handled quickly and efficiently Ability to have your new home custom built to your specifications	Local lending decisions means we work with you to assist you in achieving your business lending needs Small Business Administration (SBA) loans are available, which offer low down payments and competitive interest rates for owner occupants

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.