Related Party Transactions and Outside Related Director Information

Vineyard National Bancorp (VNBC)

4/17/2006 Proxy Information

Certain directors and executive officers of the Bancorp and the Bank, and the companies with which the directors and executive officers are associated, were customers of, and had banking transactions with, the Bank during fiscal year 2005. Such transactions were in the ordinary course of business and the Bank expects to have similar banking transactions in the future. All the loans and commitments included in such transactions were made on substantially the same terms, including interest rates, collateral and repayment terms, as those prevailing at the time for comparable transactions with other persons of similar creditworthiness and did not involve more than a normal risk of collectibility or present other unfavorable features. All such loans to executive officers and directors were current as of December 31, 2005.

Mr. Buxbaum co-founded the Vineyard Bank, the subsidiary of Vineyard National Bancorp, in the early 1980Ős.