April 18th, 2014
On-Line Banking Agreement

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APPLICATION FOR ONLINE ACCESS AGREEMENT.

By clicking on "I Agree" you are agreeing to the "Terms and Conditions" that govern your use of the online banking service (the "Service") and will proceed to the Enrollment Form which will allow United Security Bank to setup a Personal Online Banking account for New Users.  The terms and conditions of this agreement are in addition to, will supplement, and supersede where inconsistent, the terms, conditions, rules and regulations of your account agreement with United Security Bank.

Acceptance of this agreement authorizes United Security Bank to provide access to some or all banking products. These include but may not be limited to checking accounts, savings accounts, certificate of deposits and loan accounts you maintain with us. Your use of the Service will be further evidence of your agreement to these terms and other agreements that we provide to you.

ELECTRONIC COMMUNICATION. By clicking on the "I Agree" button below, you are accepting to enter into this Agreement electronically. You also are confirming that you have downloaded or printed a copy of the Online Banking Agreement for your records. We will provide a copy of the Online Banking Agreement to you in written form at your request.

THE SERVICE. The Service allows you to:
* Inquire on account balance and transaction information for your account(s)
* Transfer funds between accounts within the bank
* Make payments on certain Bank lines of credit or loans
* Conduct bill payment to merchants, institutions and/or individuals with a U.S. address
* View images of checks, deposits and online statements
* Request a stop payment on a check
* Reorder checks from Clarke American Check Printers

TRANSFERS. Transfers are limited to occur only between accounts established at United Security Bank and identified within your log-in portfolio. Transfers may be scheduled as an "Express Transfer", one time occurrence, or as a "Scheduled Transfer", set to occur at a pre-established time and for the same amount. You agree that a request to conduct a transfer of funds will be conducted only when a sufficient balance is, or will be, available in your designated account at the Bank at the time of withdrawal. The bank is not obligated to complete the transfer if sufficient funds, including overdraft lines of credit or overdraft privileges, are not available in the account you designate. Express Transfers will only be allowed if there are current available funds in the designated account at the time of transfer. Scheduled Transfers will be allowed if there are current available funds, including any overdraft lines of credit or overdraft privileges, in the designated account at the close of the business day on which the transfer is to occur.

Transfers must be completed online by 6:00 pm on a business day in order to receive same day credit. It is recommended that you complete all transfers at least 15 minutes prior to the cut-off time. Transfers conducted after hours, on Saturday or Sunday, or on banking holidays will be processed the following business day.

Refer to the Truth In Savings Disclosure for Personal and/or Business Accounts for a description of any transfer limitations. Transfers or payments from savings or money market accounts may be limited (see Transaction Limitations below).

The bank will not be liable for transfers conducted between accounts by authorized signers on those accounts.

TRANSACTION LIMITATIONS. Federal law limits the number of transfers and withdrawals from savings accounts and money market deposit accounts. You may not make more than six withdrawals and/or transfers from these accounts each monthly statement period by check (applicable to Money Market accounts only), pre-authorized or automatic transfer, draft, debit card, data transmission, or telephonic agreement. Only three of these six transfers may be by check, draft, debit card, or similar order. Please see your account agreement for further details.

BUSINESS DAYS. In this Agreement, the term "Business Days" refers to Monday through Friday, excluding bank holidays.

AVAILABILITY OF SERVICE. The Service is available 24 hours a day, seven days a week. The Services may be temporarily unavailable for system maintenance. Services may also be unavailable in the event of an emergency, such as failure of computer or communication equipment. We shall not be liable under this Agreement for the inability to access the Services.

COMPUTER REQUIREMENTS. The following conditions must be fulfilled for the system to function properly and effectively:
General Instructions
* The browser must preferably be Microsoft Internet Explorer 4.71 or higher, or alternatively Netscape Communicator 4.05 or higher. User of  800x600 monitor with 16-bit color is recommended.
* After logging-in the online banking system it is advisable not to use the REFRESH (RELOAD) and STOP keys, and not to use the BACK key to move to pages other than those used by the system (secure environment - https).
* For reasons of security and in order to provide better service to our clients, there is a 15-minute limit to complete transactions ("Process Timeout"). After the expiration of the 15-minutes the client is automatically disconnected from the system. In addition, if after logging-in to the system the client does not perform any transaction within 3 minutes, the client is again automatically disconnected ("idle Timeout").

Microsoft Internet Explorer 4.0
* In the View / Internet Options / Advanced menu, under Security / Cookies select Always accept cookies. If you have selected Prompt before accepting cookies, when requested to accept a cookie, you must do so.
* The secure mode must be activated (Secure Sockets Layer 2 and 3). In the View / Internet Options / Advanced menu, under Security select SSL3.0 and SSL2.
* Javascript must be activated. (default option)
* Style Sheets must be activated. (default Option)

Microsoft Internet Explorer 5.0
* In the Tools / Internet Options / Content / AutoComplete.../ User names and passwords on forms is inactive. Otherwise, Internet Explorer 4.0 or above registers automatically the passwords you entered. As a result, non authorized user5s may have access to the system.
* In the Tools / Internet Options / Security in the Custom Level option the: Allow cookies that are stored on your computer / Allow per session cookies (not stored) must be activated.
* In the Tools / Internet Options/ Security in the Internet category the Security Level for this zone must be Medium.
* In the Tools / Internet Options / Advanced under Security the: SSL 3.0 and 2.0 must be activated.
* Javascript must be activated. (default option)
* Style Sheets must be activated. (default option)

Netscape Communicator
* In the Edit / Preferences.../ Advanced menu, under Advanced select Accept all cookies. If you have selected Warn me before accepting a cookie, when requested to accept a cookie, you must do so.
* In the Edit / Preferences.../ Appearance menu, under Fonts, select Use document-specified fonts, including Dynamic Fonts.
* In the Edit / Preferences.../ Advanced menu, under Advanced select Enable Javascript.
* In the Edit / Preferences.../ Advanced menu, under Advanced select Enable style sheets.

United Security Bank has obtained the maximum possible security currently available on the Internet (128-bit encryption). Thus, in every transaction performed, the messages exchanged between the client and the Bank's Web Server are encrypted. Beyond encryption, subscribers use multifactor authentication to log-in, while the Bank also uses additional security systems (Firewall) which control and record each user's access to its systems.

STOPPING PAYMENT ON CHECKS. A stop payment order may be placed on a check using the Service. To place the order you must precisely identify the check number, date, the EXACT amount of the check (dollars and cents) and the payee. If any information is incomplete or incorrect, we will not be responsible for failing to stop payment on the item. To place a stop payment on a blank check or a range of checks that are missing or stolen, you must contact your banking office for personal assistance. Other terms and conditions governing stop payments are covered in your Deposit Account Terms And Conditions disclosure.

CANCELLATION. This Agreement will remain in effect until terminated by you or The Bank. You may cancel this Agreement at any time by notifying The Bank by mail to United Security Bank, 2126 Inyo Street, Fresno, CA 93721; Attention: Data Processing Center. The Bank may cancel this Agreement and terminate your use of the Internet Banking Service if: you breach this or any other agreement with us; we have reason to believe that there has been or may be an unauthorized use of your account or PIN; there are conflicting claims to the funds in your account; upon your request that we do so; or for any other reason, at any time. The Bank may use commercially reasonable measure to notify you in advance of any such termination, but The Bank is not obligated to do so.

ACCESS ID AND PASSWORD. You will need an Access ID and Password to access your Service. When you complete the enrollment for the Service, the Bank will email you an Access ID and temporary Password. During your first use of the Service, you will be required to select your own personalized and Password. If you already have an Access I.D. and Password a new one will not be issued. If you designate different users for your Service, each will be issued a separate Access ID and Password. Your Password may be changed at any time within the Service. To help safeguard your security, you should change your Password frequently. Do not write your Access ID or Password on your Computer. If you forget your Access ID and/or Password, you must contact us to have a new Access ID and/or Password issued to you. You agree to keep your Access ID and Password confidential in order to prevent unauthorized access to your accounts and the Service. No United Security Bank employee will ever ask you for your Access ID or Password. You should never include you Access ID or Password in any verbal, written, faxed, or e-mail communication with us.

ELECTRONIC MAIL (E-mail). One way me may communicate with you is through e-mail, by sending us an e-mail or otherwise providing us with an e-mail or text message address. We may respond to your request by e-mail, but we will never send you an e-mail to ask confidential information about you account. Furthermore, you cannot use an e-mail message to conduct transactions on your accounts.

REPORTING UNAUTHORIZED TRANSACTIONS. If you believe your Access ID, User Password or Personal Identification Number (PIN) has been lost or compromised, or that funds have been transferred from your account without your permission, you must contact us immediately at (559) 248-4930 or Toll Free (888) 683-6030 or mail notices to United Security Bank, 2126 Inyo Street, Fresno, CA 93721, ATTN: Centralized Operations.

ELECTRONIC FUND TRANSFER PROVISIONS FOR CONSUMERS. Transfers that debit or credit a consumer's deposit account are subject to the Electronic Fund's Transfer Act as implemented by Regulation E (12 CFR 205).

Liability for Unauthorized Electronic Funds Transfers (EFT)

Your liability for an unauthorized EFT or a series of related unauthorized EFTs will be determined as follows:

1. If you notify us within two business days after learning of the loss or theft of your password, your liability will not exceed the lesser of $50 or the amount of unauthorized EFTs that occur before notice to us.

2. If you fail to notify us within two business days after learning of the loss or theft of your password, your liability will not exceed the lesser of $500 or the sum of:
- $50 or the amount of unauthorized EFTs that occur within the two business days, whichever is less; and
- The amount of unauthorized EFTs that occur after the close of two business days and before notice to us, provided we establish that these EFTs would not have occurred had you notified us within that two-day period.

3. You must report an unauthorized EFT that appears on a periodic statement within 60 days of our transmittal of the statement to avoid liability for subsequent transfers. If you fail to do so, your liability will not exceed the amount of the unauthorized EFTs that occur after the close of the 60 days and before notice to us, and that we establish would not have occurred had you notified us within the 60-day period. You may, as applicable, also be liable for the amounts described in the immediately preceding sections 1 or 2 above.

4. If your delay in notifying us was due to extenuating circumstances, we will extend the times specified in the immediately preceding paragraphs 1,2, or 3 above to a reasonable period.

5. You may notify us in person, by telephone, by email during a secure session using the appropriate form, or in writing. You will need to include in your correspondence (1) Name and account number. (2) Describe the error or the transfer you believe is inaccurate, and explain as clearly as you can why you believe there is an error or why you need more information. (3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 Business Days.

6. You will be notified within 10 Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your account within 10 Business Days for the amount you think is in error, so that you will have the use of the money during the time that it takes us to complete our investigation. If we request you to put your complaint in writing and do not receive that notice within 10 Business days, we may not re-credit your account. If we find that there was no error, we will send you notification with a written explanation within 3 Business Days after completing our investigation. You may request copies of the documents that we used in our investigation.

The time limits and provisional re-crediting procedures described in the preceding paragraph do not apply to businesses, which are subject to the provisions of the Business Accounts Terms & Conditions Disclosure.

SEVERABILITY. If any provision of this Agreement is determined to be invalid or void, the rest of the Agreement will remain in full force and effect.

OUR RESPONSIBILITY FOR PROCESSING TRANSACTIONS. If we do not complete a transfer to or from your Account on time or in the correct amount according to our agreement with you, We will be liable for your losses or damages. There are some exceptions to the Bank's liability for processing transactions on the Accounts. We will not be liable, for instance if: you fail to provide us with timely, complete and accurate information for any transactions; through no fault of ours, you do not have enough money in your Account to make the payment or transfer requested; the payment or transfer would exceed any permitted overdraft line of credit or overdraft privileges you have with us; circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, computer malfunction, interruption of telephone, Internet service, or telecommunications facilities or a natural disaster) prevent or postpone the transfer, despite reasonable precautions taken by us; the funds in your Account were subject to legal process, an uncollected funds hold or otherwise not available; your account is closed, dormant, frozen or blocked; you did not properly follow Service instructions on how to make the transfer (this includes incorrect date, amount, or untimely completion of the transfer to meet the cut-off time; your operating system, Internet connection and/or software malfunctioned for any reason; or the transaction could not be completed due to inability to access the service during maintenance. There may be other exceptions stated in our Account Agreement.

RELEASE OF ACCOUNT INFORMATION. Please see the "United Security Bank Privacy Policy for Consumers" located at our website for information on how we gather, use and secure nonpublic personal information about you. We may disclose the information we collect to companies that perform marketing services on our behalf, to other financial service providers (such as securities broker dealers and insurance providers) with whom we have a joint marketing agreements, and as permitted by the law. 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.



ONLINE ACCESS AGREEMENT
EFFECTIVE JULY 1, 2007