REVOLVING CREDIT NOTE

EXHIBIT 10.22

REVOLVING CREDIT NOTE

Wilshire Acquisitions Corporation , a Nevada corporation, (the "Borrower") promises to pay to the order of FIRST TENNESSEE BANK NATIONAL ASSOCIATION, (the "Lender"), in lawful money of the United States of America, the principal amount of Twenty Million and 00/100 Dollars ($20,000,000.00) or so much as may be outstanding, together with interest on the unpaid principal balance from time to time outstanding. Interest shall be calculated from the date of each advance until repayment of each advance. This Note is the note referenced in that certain Loan Agreement of even date herewith between Borrower, Lender and Beverly Hills Bancorp Inc. (the "Loan Agreement"). Unless otherwise defined in this Note, capitalized terms used herein shall have the meanings ascribed to them in the Loan Agreement.

This Note, including unpaid principal and all accrued and unpaid interest, is due and payable in full on November 30, 2007 (the "Maturity Date"). In addition, on each Interest Payment Date, Borrower will make quarterly payments of all accrued and unpaid interest due as of such Date, beginning March 1, 2007. For purposes of this Note, the "Interest Payment Dates" shall be March 1, June 1, September 1 and November 30. Unless other wise agreed or required by applicable law, payments will be applied first to accrued unpaid interest, then to principal, and any remaining amount to any unpaid collection costs. The annual interest rate for this Note is computed on a 365/360 basis; that is, by applying the ratio of the annual interest rate over a year of 360 days, multiplied by the outstanding principal balance, multiplied by the actual number of days the principal balance is outstanding. All installments of interest, and the principal hereof, are payable at the office of Lender, 845 Crossover Lane, Suite 150, Memphis, TN, 38117, or such other address as the Lender may from time to time specify in writing in accordance with the Loan Agreement.

The interest rate on this Note is subject to change from time to time based on changes in an independent index (the "Index") which is the LIBOR Rate (as hereinafter defined). The interest rate shall be subject to adjustment on each Interest Payment Date (each such date an "Interest Rate Change Date"). The "LIBOR Rate" shall mean the London Interbank Offered Rate of interest for an interest period of three (3) months, as reported in The Wall Street Journal published on each Interest Rate Change Date or, if The Wall Street Journal is not published on such date, the last date immediately preceding such date on which The Wall Street Journal is published. Each change in the Index which results from a change in the LIBOR Rate shall become effective, without notice to Borrower, on each Interest Rate Change Date. The Index is not necessarily the lowest rate charged by Lender on its loans. If during the term of this Note publication of the The Wall Street Journal is terminated or suspended, Lender may designate an alternative publication to determine the LIBOR Rate. If the LIBOR Rate ceases to be available, Lender may substitute an alternative but comparable index upon at least 45 days prior written notice to Borrower. Lender will tell Borrower the current LIBOR Rate upon Borrower’s request. The interest rate will not change except on an Interest Rate Change Date. Borrower understands

that Lender may make loans based on indices other than the Index. The initial interest rate on this Note is 7.02% per annum. The interest rate of any Interest Rate Change Date shall be the rate of 1.65% over the LIBOR Rate as of the Interest Rate Change Date. NOTICE: Under no circumstances will the interest rate on this Note be more than the maximum rate allowed by applicable law.

Borrower may, at its option, at any time and from time to time, without prepayment penalty or premium, prepay this Note in whole or in part. Early payments will not, unless ag