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United Security Bank's Privacy Policy

The Directors, management and staff of the United Security Bank are concerned about and respect the privacy of our customer's personal financial information. We understand that our customers furnish sensitive information to us in the course of our daily business and we are committed to treating such information responsibly. We know that our customers expect privacy and security for their personal and financial affairs.

The bank will take all the necessary steps to safeguard sensitive information that has been entrusted to us by our customer's. The following privacy disclosure outlines our bank's practice regarding personally identifiable financial information for consumers and those consumers who become our customers.

TYPES OF INFORMATION WE COLLECT

At United Security Bank we collect nonpublic personal information from many sources. Nonpublic personal information does not include that which is available from government records, widely distributed media, or government mandated disclosures.

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms;

• Information about your transactions with us; and 

• Information we receive from a consumer reporting agency

TYPES OF INFORMATION WE DISCLOSE

Our Bank does not now, nor does it intend in the future to disclose any personal financial information to any nonaffiliated or affiliated third party. By law we may disclose certain personally identifiable information without allowing consumers the right to opt-out of the sharing agreement in the following circumstances:

• To companies who perform transaction processing for our bank.

• Disclosures that are necessary to enforce our bank's legal or contractual rights or any other person's rights who is engaged in the financial transaction.

• Disclosures required in the ordinary course of banking business, such as settlement of claims or benefits, providing confirmation of information to the consumer or his agent, and to bill, process or clear items in the normal course of business.

• To provide information to insurance rate advisory organizations, guaranty funds, or agencies, agencies that are rating the bank, persons that are assessing the bank's compliance with industry standards, and the bank's attorneys, accountants and auditors.
• To the extent permissible under the Right to Financial Privacy Act.
• To a consumer reporting agency under the Fair Credit Reporting Act.
• To comply with Federal, State or local laws, rules and other applicable legal requirements.

INFORMATION WE DISCLOSE TO COMPANIES THAT WORK FOR US

We may disclose the information we collect, as described above to companies that perform marketing services on our behalf or to other financial service providers (such as securities broker dealers and insurance providers) with whom we have a joint marketing agreements. In these joint marketing agreements, we enter into a written contract with the third party. The contract requires the third party to maintain the confidentiality of the information in the same manner our bank would and restrict its use.

Again, we will not provide your personal information to non-bank companies for the purpose of their independent telemarketing or direct mail marketing of any non-financial products or services. Our customers who acquire a United Security Bank credit card, originated by another financial institution, should review the privacy policy associated with that account.

DISCLOSING INFORMATION ABOUT FORMER CUSTOMERS

If you decide to close your account(s) or become an inactive customer, we will follow the privacy policies and practices as described in this notice.

SAFEGUARDING CUSTOMER INFORMATION

At United Security Bank we protect consumer privacy by ensuring that only employees who have a business reason for knowing information have access to it. We have a bank committee responsible for maintaining internal procedures to ensure our customer's information is protected.

All of our employees have a copy of this policy and are trained at least annually regarding the importance of safeguarding customer information. We will take disciplinary action against any employee who violates our privacy policy and procedures.

If we change our policy or practice by, for example, adding a category of information we will disclose to a third party, we will notify existing customers and give them an appropriate time period to opt-out of the disclosure.