Terms of Employment Arrangement between Bay National Bank

Executive Employment Agreement

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BAY NATIONAL CORP

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Title: Terms of Employment Arrangement between Bay National Bank
Date: 4/2/2007
Industry: Regional Banks Sector: Financial

EXHIBIT 10.3.1

Terms of Employment Arrangement

between Bay National Bank

and Richard J. Oppitz

Mr. Oppitz is employed on an at will basis at a rate of pay of $154,000 as of January 1, 2007. Mr. Oppitz is also eligible for incentive bonuses at the discretion o

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