X0303 4 2011-02-17 0 0001366367 YADKIN VALLEY FINANCIAL CORP YAVY 0001389562 TOWELL JOSEPH HAMPTON YADKIN VALLEY FINANCIAL CORPORATION P. O. DRAWER 7109 STATESVILLE NC 28687 1 1 0 0 President & CEO Restricted Stock 2011-02-17 2011-02-17 4 A 0 35000 2.44 A 35000 D Stock Option 14.91 2009-02-19 2018-02-19 Common Stock 10000 6000 D The issuer is a participant in the TARP Capital Purchase Program. As a result, the restricted stock granted to Mr. Towell shall vest puruant to the following schedule: 11,666 on 2/17/2012; 11,667 on 2/17/2013; and 11,667 on 2/17/2014, provided, however, that no Restricted Stock shall be vested prior to the earliest date permitted by Section 11(b)(3)(D) of the Emergency Economic Stabilization Act of 2008 and the regulations adopted pursuant thereto. Joseph H. Towell by Patricia H. Wooten, POA 2011-02-22