Document:

EXHIBIT 10.4

ADDENDUM TO DATA PROCESSING SERVICES AGREEMENT

WHEREAS, JACK HENRY & ASSOCIATES, INC., 663 West Highway 60, Monett, MO 65708
("JHA") and MISSION BANK, 1330 Truxtun Avenue, Bakersfield, CA 93301 ("Client")
entered into a DATA PROCESSING SERVICES AGREEMENT dated December 12, 2001
(Agreement"): and

WHEREAS, Client hereby requests JHA to furnish and install the following
Additional Services:

                              INSTALL      MONTHLY
ADDITIONAL SERVICES             FEE      SERVICE FEE

NetTeller Online Banking(tm)  $  3,750  $      1,775

Less NetTeller Allowance:                      ($178)

NetTeller Online Banking                $        425
Cash Management Module                  $      5,000

Less Cash Management
Allowance:                                      ($43)

Total NetTeller & Cash
Management:                   $  8,750  $      1,979

NOW THEREFORE, it is mutually agreed as follows:

1.     JHA will furnish said Additional Services, which will be installed on
JHA's Service Bureau computer for Client's use.
2.     Client covenants to JHA that said Additional Services will be used only
to process its own data, and for no other use or purpose.
3.     Said Agreement is adopted, ratified and incorporated herein by reference,
and shall also govern the use of said Additional Services.
4.     Client guarantees payment of all the above fees to JHA, together with
reimbursement of sales/use taxes (if and, and all JHA actual out-of-pocket
expenses including but not limited to travel, lodging, meals, telephone,
postage, and shipping costs.
5. Client will be required to purchase from JHA the hardware required to install
and run NetTeller-) software and any Additional Services.

A3/OM/I/S-NET-SB-10-01

6.     This document and said Agreement shall be governed by the laws of
Missouri, and contain the entire agreement between the parties with respect to
the transactions contained herein, and they may be modified or changed only by a
written instrument signed by all parties hereto
7.     The Monthly Charge for the NETTELLER ONLINE BANKING(tm) starts when the
NETTELLER ONLINE BANKING(tm) is fully installed. The initial Monthly Charge will
be prorated from the start date through the end of the month of installation.
8. The initial term of this Addendum shall be coterminous with the Data
Processing Service Agreement until terminated pursuant to the TERMINATION
section of said Agreement.

IN WITNESS WHEREOF, the parties thereto cause this Addendum to be duly executed
on this 17" day of December 2002.

JHA:                                 CLIENT:
JACK HENRY & ASSOCIATES, INC.        MISSION BANK
By:                                  By:  /s/ Craig S. Swenson

Print/Type Name                      Print/Type Name Craig S. Swenson

Title:                               Title:  VP - CFO
Date:                                Date:   12-24-02

ABA #

A3/OM/I/S-NET-SB-10-01M            Page 2
<PAGE>
ADDENDUM TO DATA PROCESSING SERVICES AGREEMENT

WHEREAS, JACK HENRY & ASSOCIATES, INC., 663 West Highway 60, Monett, MO 65708
("JHA") and MISSION BANK, 1330 Truxtun Avenue, Bakersfield, CA 93301 ("Client")
entered into a DATA PROCESSING SERVICES AGREEMENT dated December 12, 2001
("Agreement"); and

WHEREAS, Client hereby requests JHA to furnish and install the following
Additional Services:

Additional Services     Monthly Service Fee     One Time Installation Fee
PowerPay(tm)                        $200                           $6,500

NOW THEREFORE, it is mutually agreed as follows:

1.     JHA will furnish said Additional Services, which will be installed on
JHA's Service Bureau computer for Client's use.
2.     Client covenants to JHA that said Additional Services will be used only
to process its own data, and for no other use or purpose.
3. Said Agreement is adopted, ratified and incorporated herein by reference, and
shall also govern the use of said Additional Services. However, in regard to the
Additional Services the terms and conditions contained herein on Schedules A, B,
and C shall apply and shall prevail over any conflicting or contradictory terms
in the Agreement.
4. Client guarantees payment of all the above fees to JHA, together with
reimbursement of sales/use taxes (if any), and all JHA actual out-of-pocket
expenses including, but not limited to travel, lodging, meals, telephone,
postage, and shipping costs. In addition to the Monthly Service Fee listed above
Client will be required to pay the various charges associated with the
Additional Services as described on Schedule A attached. hereto.

AS/SB/POWERPAY 11-01              Page 1

5.     Client will be required to purchase from JHA the hardware (if applicable)
required to install and run PowerPay software and any Additional Services. In
order to make use of the Additional Services Client will need to receive
processing using the JHA NetTeller software which shall be addressed in a
separate agreement.
6.     This document and said Agreement shall be governed by the laws of
Missouri, and contain the entire agreement between the parties with respect to
the transactions contained herein, and they may be modified or changed only by a
written instrument signed by all parties hereto.
7.     The Monthly Charge for the Additional Services starts when the Additional
Services are fully installed. The initial Monthly Charge will be prorated from
the start date through the end of the month of installation.
8.     The initial term of this Addendum shall be coterminous with the Data
Processing Service Agreement until terminated pursuant to the TERMINATION
section of said Agreement. IN WITNESS WHEREOF, the parties thereto cause this
Addendum to be duly executed on this 17th day of December, 2002.

JHA:                                    CLIENT:
JACK HENRY & ASSOCIATES. INC.           MISSION BANK

By:                                     By:

Print/Type Name                         Print/Type Name
Title:                                  Title:

Date:                                   Date:

AS/SB/POWERPAY 12-02              Page 2
<PAGE>
SCHEDULE A - POWER-PAY SERVICES
PRICING PER BANK

MONTHLY RECURRING FEES

Monthly Per User Account Fee                                     $1.25
Monthly Processing Fee                                         $135.00

Per Transaction Fees

Monthly Transaction Volume                               $/Transaction
First               0  - 40,000                                  $0.34
Next           40,001 - 100,000                                  $0.33
Next          100,001 - 200,000                                  $0.32
Next          200,001 - 500.000                                  $0.31
Over          500,001 +                                          $0.30

OTHER FEES

Each additional administration login to the Third Party Customer
Service Interface (One login included)                       $25.00 per month

These additional fees may be assessed by third parties:

Delete Electronic Payment                                    $ 5.00
Re-credit Electronic Payment                                 $ 1.00

JHA reserves the right to increase the above fees no more than once in any 12
month period. JHA will provide Client 30 days advance written notice of any fee
increase. JHA further reserves the right to terminate the Services provided to
Client and its Customers hereunder if Client is in breach of this or any other
agreement which Client has with JHA.

AS/SB/POWERPAY 12-02              Page 3
<PAGE>
Schedule B
PowerPay Services Terms and Conditions

1. OPERATIONS.
PowerPay is intended to permit its Clients with whom it contracts to offer a
service to Client's customers ("User") to pay bills generated by billers and
merchants ("Billers") by use of computerized instructions to an on-line
information network. Each such bill payment shall be deemed a ("Transaction").
This system is comprised of proprietary software, computer programs and
computerized equipment, which i) creates electronic remittances to certain large
Billers with whom JHA or its third party vendor has contractual relations and
who are capable of receiving such remittances; and ii)comprised of proprietary
computer software and computerized check printing equipment for the generation
of laser-produced checks for the payment of remittances to Billers unable or
unavailable to receive electronic remittances; both which shall be jointly and
severally referred to as ("Services")

PowerPay service will process electronically initiated payment orders to third
parties pursuant to the preceding paragraph for Client's customers on any
"Business Day". Business Day as used throughout this Addendum is defined as
prior to 12:00 p.m. (noon) on any day that the Federal Reserve System is not
closed.

2.     PAYMENT DEADLINES.

To allow for proper and timely posting to the payee's account JHA requires that
for check payments the account User must provide payment instructions at least
five (5) business days prior to the payee's due date and for electronic payments
the account User must provide funding and payment instructions for transactions
at least three (3) business days prior to the due date for the electronic
payments.

3.     TERM and TERMINATION.

The original term of the Services to be provided herein shall be concurrent with
the then current term of the Agreement and shall thereafter renew pursuant to
the terms of the Agreement. Either party may terminate this agreement at the end
of any contract term provided that written notice to this effect is given to the
other party not less than ninety (90) days prior to the end of any contract term
It is understood that if proper notification is not given, the term will
automatically be renewed pursuant to the terms of the Agreement.

In the event that the Client provides timely notice to JHA as aforesaid of its
intention to terminate this agreement, this agreement shall terminate as
provided hereafter. In the event of such termination, the Client shall pay JHA
all direct expenses incurred by JHA in turning over to the Client all
information maintained by JHA and relating to data processing Services performed
by JHA for the Client. These expenses shall include, but shall not be limited
to, charges for computer run time and programming requirements in accordance
with JHA published rate schedules in effect at that tine. In the event that the
Client discontinues using JHA for the Services prior to the end of any contract
term, the Client will be liable to JHA for a lump sum early termination fee to
be calculated as the average monthly billing exclusive of pass through cost
including but not limited to, data lines, postage, Federal Reserve charges,
etc., for the past twelve months multiplied by the number of months and any
portion of a month remaining in the Services contract term. In the event that
any entity assumes the deposit liabilities of Client, such entity will
automatically assume the obligations and liabilities of Client hereunder for the
remaining contract term

AS/SB/POWERPAY 12-02              Page 4
<PAGE>
Upon receipt of notice of Client's intention to deconvert from JHA's Services
the agreement termination and deconversion fees listed above shall become
immediately due and payable. Under no circumstances shall Client render payment
of these fees later than thirty(30) days after JHA has billed Client for them.
JHA reserves the right to cease providing ALL Services to Client if any amount
due to JHA under this Agreement or any other amount due JHA is not paid in a
timely fashion.

During the term of the Agreement and this agreement, Client shall not engage any
third party processor other than JH.A to provide the Services and shall not
perform the Services itself provided that JHA agrees to provide Services for the
geographic area and volume sizes that Client requires.

4.     SECURITY and CONTROLS.

JHA will establish and maintain procedures and safeguards designed to protect
Client's information in JHA's possession equivalent to that used to protect
JHA's own information. JHA is not responsible for information while in transit
or in possession of non-JHA parties.

5. CONFIDENTIALITY.

JI-LA will not sell, disclose, nor permit access to information provided by its
financial institution customers for any purposes other than those specifically
required to fulfill JHA's contractual obligations with its financial institution
customers.

In the event any court or regulatory agency seeks to compel disclosure of said
information JHA will, if legally permissible, promptly notify its financial
institution customer of said attempt and will cooperate so that its financial
institution customer may at its expense seek to legally prevent this disclosure
of information.

6. AUDIT.

JHA shall cause a third party review of PowerPay System operations and related
controls, to be conducted annually by its independent auditors in accordance
with applicable regulatory and/or generally accepted, accounting procedures,
e.g. SAS 70, then in effect. JHA shall, upon receipt of written request.,
provide to Client one copy., at the actual reasonable out of pocket expense, of
the audit report resulting from said review.

7. CONTINGENCY PLANS.

JHA will provide safeguards determined at its discretion based upon applicable
FFIEC rules and regulations to ensure protection against destruction of records
and Software within its control by fire or other disasters, loss of data in
transit or machine or human error, or unauthorized manipulation of data or
reports insofar as can reasonably be expected using then current techniques
and/or then current accepted business practices for storage and transfer of
magnetic media. JHA maintains a disaster recovery plan with off-site data files
and communications facilities for the re-establishment of Services in the event
of a disaster at JHA.

8. THIRD PARTY PROVIDERS AND SUBCONTRACTING.

Client understands and agrees that JHA will use third party products and
services in connection with providing the Services. Some providers have certain
additional terms and service levels, found in Schedule C which Client agrees to
by virtue of signing this Addendum. Client agrees that JHA shall not have
financial or legal liability in connection with the performance or
non-performance of said third party products and services.

AS/SB/POWERPAY 12-02              Page 5
<PAGE>
9. WARRANTIES; EXCLUSIVE REMEDIES AND LIMITATION OF LIABILITY.

JHA shall have no duties or responsibilities in regard to the Services except
those expressly set forth in Schedules A, B and C. The liability of JHA for any
and all damages and all actual loss caused by JHA for the Services shall not
exceed an aggregate total greater than the fees paid to JHA for the Services
during the previous twelve months of this Agreement less the various expenses
and pass through costs. Client shall provide JHA with all documentation
necessary to demonstrate any claimed loss by Client. JHA shall not be liable for
any loss which is settled or compromised by Client without prior written consent
of JHA. At the request of JHA, Client shall transfer and assign to JHA all
rights and remedies of Client with respect to any claim which is ultimately paid
by JHA.

The warranties contained herein shall be divided into the following categories:

Equipment:
JHA shall use its own Software and current equipment (or the software and/or
hardware of other third party providers as necessary) such as is indicated by
JHA's specific needs and Industry standards. All equipment shall be maintained
in a reasonable fashion which shall be compliant with industry standards. JHA
shall not be liable to Client or to any third party, including, but not limited
to, customers of Client, for errors resulting from defects or malfunctions of
the mechanical or electronic equipment used in performing its Services
hereunder.

Processing:
JHA warrants to provide the Services under this Agreement in a competent manner
consistent with industry standards. In the event that the Services provided by
JHA shall fail to meet the foregoing standard JHA shall diligently and in good
faith attempt to correct the Services without additional cost to Client. During
the period that JHA is so correcting its Services, Client shall not expect JHA
to provide any Services without compensation. If within a reasonable time JHA is
unable to correct the Services, Client shall be entitled to an equitable
reduction in fees paid to JHA for the defective Services. The remedies herein
contained are exclusive.

Security:
JHA shall use commercially reasonable efforts to insure the integrity of the
data of Client and its customers in regard to the Services considered herein.
However JHA hereby places Client on notice that the Services do involve the use
of the internet which is beyond JHA's reasonable control. Due to this fact the
data of Client and its customers will be transmitted across the internet and may
be susceptible to interception by sufficiently skilled parties. In order to
minimize this concern JHA will use then current industry standard methods to
assist in protecting the data of Client and User(s) in regard to the Services.
In the event that the data of Client or User(s) is intercepted and used, viewed,
modified, or retained by any third party in spite of these precautions then JHA
shall use its best efforts to assist Client in addressing this matter.

JHA shall not be liable or responsible to Client or to any third party;
including, but not limited to, customers of Client, for any consequential,
special, indirect, or incidental damages, even if JHA has been advised of the
possibility of such damages, except to the extent such damages result solely
from the willful misconduct. or gross negligence of JHA. Any liability of JHA to
Client resulting from failure to comply with the terms of this Agreement wherein
JHA shall become legally obligated to pay for damages resulting from any claim
arising from this Agreement shall be limited to the actual damages suffered by
Client and under no circumstances shall the total aggregate liability of JHA
under this Agreement exceed the fees paid by Client to JHA during the previous
twelve months of this Agreement

AS/SB/POWERPAY 12-02              Page 6
<PAGE>
less the various expenses and pass through costs. The foregoing warranties set
forth in this Agreement are in lieu of all other warranties, express or implied,
whether of merchantability, fitness or otherwise.

THIS WARRANTY IS EXPRESSLY IN LIEU OF ALL OTHER WARRANTIES, EXPRESS OR IMPLIED,
OR ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.
IN NO EVENT SHALL JHA BE LIABLE FOR INDIRECT, CONSEQUENTIAL, PUNITIVE OR SPECIAL
DAMAGES.

10.     LIMITATIONS of LIABILITY.

Neither JHA or Client is liable for a failure to perform or any loss arising out
of an event or condition beyond the reasonable control of said party or for a
failure to fulfill its obligation hereunder due to an event of "force majeure"
(herein defined as acts of God, public disaster, fire, flood, not, war, labor
strikes/disputes, judicial orders/decrees, government laws/regulations, or
interruptions of communications, ACH or other payment networks, transportation
or electricity). Any liability of JHA or any third party Provider contemplated
herein for any loss, damage, or cost hereunder shall be limited to actual direct
damages incurred by Client, but in no event shall the total aggregate liability
of JHA or any third party provider exceed the total fees paid by Client to JHA
under this Agreement and attributable to said party (either JHA or any third
party Provider) during the most recent twelve month period prior to the accrual
of the action, nor shall any amount of the liability include any indirect,
consequential, punitive or special damages incurred by Client. JHA is not liable
for any late charge assessed by any third party against customer of Client.
Client shall be responsible for, and indemnify JHA against, all claims by User
relating to the authorization of JHA to provide Services on behalf of User as
well as the attendant results from the provision of said Services including but
not limited to insufficient funds, repudiation of authorization for payment, and
late fees. JHA reserves the right to change the terms and conditions contained
within Schedule B and Schedule C by providing Client thirty (30) days advance
written notice, with the exception of Section 3. Term and Termination.

11.     LEVELS of SERVICE and JHA RESPONSIBILITIES.

Paper Remittances.
Provided JHA receives good, valid, and complete payment data specifying a pay to
party which is not included in the third party provider's electronic pay to
party database as a valid pay to party who accepts electronic remittances, JHA
shall by the next Business Day deposit a check into the United States Mail,
first class postage prepaid, addressed to such pay to party (or its duly
authorized processor) imprinted with data required for such pay to party to post
payment on behalf of the consumer named in the payment data. Each such paper
check created by JHA shall meet or exceed the standards set by the American
Banker's Association for check instruments and MICR encoding requirements. JHA
makes no representations or warranties with respect to the handling and posting
of the paper payments by the addressee. In addition, JHA shall not be
responsible for making payments until it has received good and available funding
for such payments from Client.

Electronic Remittances.
Provided JHA receives fully funded, good, valid, and complete payment data
specifying a pay to party which is included in the third party provider's
electronic pay to party database, JHA shall by the next Business Day pass all
attendant payment data and funding to the third party provider for processing.
Said third party provider processing shall follow the procedures defined in
Schedule C.

12.     CLIENTS RESPONSIBILITES

Enrollment of Users . Client will obtain from each individual who desires to
access the Services or any

AS/SB/POWERPAY 12-02              Page 7
<PAGE>
portion thereof, an agreement or authorization, in such form as is developed by
Client, to access the Services (the "User Agreement"). The User Agreement will
include, without limitation, the User's authorization to allow Client, and third
parties on Client's behalf, to provide the Services to User and, if applicable,
authorization for Client or its subcontractor to initiate ACH debits to the
Users DDA Account. Client agrees to cooperate with JHA and provide JHA with all
necessary information and assistance required for JHA to successfully make the
Services operational and available to Client. Client agrees that JHA is under no
obligation to provide any User with access to the Services unless and until
Client has provided JHA with all information and documentation required by JHA
for User set-up.

Disclosures.
Client will provide User(s) with all disclosures required under all applicable
federal, state and local laws. rules and regulations ("Applicable Law")
necessary to have access to the JHA Services, specifically including, without
limitation, the initial disclosures required under Regulation E of the Federal
Reserve Board (the "Initial Disclosures"). Client shall include in the initial
Disclosures the appropriate telephone number or email address (which may be a
telephone number or e-mail address maintained by Client or a telephone number
maintained by JHA) for User(s) to contact with questions about the Services, and
a statement that Client may require written confirmation of any oral notice of
billing errors.

Compliance with Laws.
Client shall be responsible for compliance with all applicable laws and
regulations including, without limitation, compliance with error and dispute
resolution procedures specified under the Electronic Funds Transfer Act of 1978
and the regulations and interpretations promulgated there under (including
without limitation, Regulation E of the Federal Reserve Board) relating to
Client's use of the Services.

AS/SB/POWERPAY 12-02              Page 8
<PAGE>
Schedule C
Third Party Provider Service Level Compliance Agreement

I. REMITTANCE PROCESSING

A)     Electronic Remittances Through the Provider System
The third party providing the PowerPay electronic settlement shall henceforth be
called "Provider" and the customer of Client who initiates a payment using the
PowerPay System shall henceforth be called "Payor". Payor is synonymous with
User as described and used elsewhere herein. Within two (2) Business Days after
receipt of each fully funded, good, valid, and complete payment data, Provider
shall accurately post remittance data to the Payor's account at a "Provider
Biller" (a Biller who has been established by Provider, at Provider's sole
option, of being capable of receiving remittance data through the Provider
System). The form and substance of such remittance data shall be determined by
Provider in its sole discretion so long as such remittances are of form and
substance adequate fu provider to achieve compliance with the foregoing.
Provider shall not be responsible for making electronic payments until it
receives good and available funding for such payments from Financial
Institution. in an amount matching the total amount of payment data. The funds
for payments made electronically shall be distributed to Provider Billers in
accordance with the requirements of the Provider Billers.

B)     Electronic Remittances Outside the Provider System
If Provider decides to electronically transmit remittance data to a "Biller" who
is not a Provider Biller it shall deliver and transmit such remittance data.
through another payment network to the designated Biller within the next
Business Day after the date that accurate and complete payment data is received
from JHA and funds in an amount matching the total amount of such payment data
are received from the Financial Institution.

II. CUSTOMER SERVICE/RESEARCH

Provider understands that hit quality service results in a lover volume of
inquiries by Payors or JHA or Clients. Therefore, Provider shall operate and
provide Provider Services at a level that results in a percentage of inquiries
compared to the number of Transactions during each month of less than 2%.

Provider will accept payment research investigations as early as five (5)
Business Days from the date the payment is remitted by Provider (A Payment
Processing Date) for Electronic Payments.
Of the inquiries:

-     100% shall be acknowledged within 24 hours
-     90% shall be resolved within 2 Business Days
-     95% shall be resolved within 3 Business Days
-     98% shall be resolved within 4 Business Days

All remaining inquiries shall be addressed or an individual basis, and resolved
as quickly as is reasonably possible.

AS/SB/POWERPAY 12-02              Page 9
<PAGE>
Resolving payment inquiries frequently requires that research be performed by
the payee involved. Provider will work with the payee to resolve the inquiry
promptly before it refers JHA or Financial Institution back to the payee.
Proactive follow up will consist. of the following: (i) where Provider is able,
Provider will provide the payee with copies of checks or ACH transmittal
confirmations as necessary for the payee to complete its research and post the
payment correctly, and (ii) Provider will notify JHA or Financial Institution
regarding the status of the inquiry.

III.     SYSTEMS PERFORMANCE

Provider shall maintain the Provider System, including but not limited to
computers, communications equipment, and other equipment necessary to provide
the Provider Services and to support the Provider System so that it is fully
operational at least 99% or better of the hours Provider Services are to be
provided, as designated hereinafter (not including scheduled downtime mutually
agreed upon by Provider and JI-LA or Client). Provider will notify JHA or Client
at least four (4) hours prior to any anticipated maintenance or scheduled
downtime, subject to the hours of operation specified below. If a problem with
the Provider System occurs that cannot: be resolved promptly, Provider will
notify JHA or Client of the problem and diligently pursue a permanent solution
to correct the problem and restore the Provider System to full operational
status and will continue such efforts until the problem is satisfactorily
corrected.

Provider will provide for Remote Customer Service Database Up Time 7 days per
week, 52 weeks per year. Up Time will be the 20 hours between 6:00 a.m. and 2:00
a.m. ET. This standard will be met at least 95% of the time, excluding regularly
scheduled maintenance. Regularly scheduled system maintenance downtime occurs on
the first Sunday of every month from 12:01 AM to 8 AM, Eastern Time.

IV.     SYSTEMS CAPACITY PLANNING AND CAPABILITY

Provider shall maintain the Provider System, including but not limited to
computers, communications equipment, and other equipment necessary to provide
the Provider Services and to support the Provider System so that when the number
of transactions submitted by JHA on each Business Day peaks, the Provider System
will be fully operational at no more than 80% of peak capacity. If wide area
network connectivity is required by JHA or Client, JHA or Client must be the
initiator of the order and must be responsible for the maintenance and upkeep of
the communication link.

V.     HOURS OF OPERATION

Provider shall fully operate its Provider System and provide Customer Services
as defined in Schedule B continuously from 6 AM ET Sunday through midnight
Saturday (i.e., no files will be processed from 12:01 AM ET Sunday through 6 AM
ET Sunday).

AS/SB/POWERPAY 12-02              Page 10
<PAGE>
JACK HENRY AND ASSOCIATES, INC.,
DATA PROCESSING SERVICES AGREEMENT

This Agreement, entered into this 12th day of December, 2001, between:

MISSION BANK 1330 Truxtun Avenue Bakersfield, CA 93301
hereafter called "Client" and

Jack Henry and Associates, Inc. 663 Highway 60 Monett, MO 65708
hereafter called "JHA".

JHA is in the business of providing data processing services throughout its
trade area and Client is desirous of .securing such services from JHA.

Therefore, on the date first noted above, the parties do hereby agree as
follows:

1.     Description of Services

Client hereby contracts for and JHA hereby agrees to furnish, on the terms and
conditions hereinafter set forth, the data processing services ("SERVICES")
which are enumerated on Exhibit "A" attached to and a part of this Agreement.
Upon the completed execution of this Agreement Client and JHA shall mutually
proceed in good faith i) to promptly develop a detailed plan for the conversion
of Client to the Services ii) to define a mutually acceptable schedule for the
training of Client's personnel with respect to the conversion to and the
implementation of the Services.

2.     Term of Agreement

The original term of this agreement shall be for five (5) years with a
commencement date of either the day of conversion to the new JHA system, or 240
days after the date of this Agreement, which ever occurs first. This Agreement
shall be automatically extended for successive terms of one year from the
expiration date of the original term. Either party may terminate the Agreement
at the end of any contract term provided that written notice to this effect is
given to the other party not less than 90 days prior to the end of any contract
term. It being understood that if proper notification is not given, the term
will automatically be renewed for one year

In the event that the Client provides timely notice to JHA as aforesaid of its
intention to terminate this Agreement, this Agreement shall terminate as
provided herein. In the event of such termination, the Client shall pay JHA all
direct expenses incurred by JHA in turning over to the Client all information
maintained by JHA and relating to data processing Services performed by JHA for
the Client. These expenses shall include, but shall not be limited to, charges
for computer run time and programming requirements in accordance with JHA
published rate schedules in effect at that time.

In the event that the Client discontinues using JHA for processing prior to the
end of any contract term, the Client will be liable to JHA for a lump sum early
termination fee to be calculated as the average monthly billing exclusive of
pass through cost including, but not limited to, data lines, postage, Federal
Reserve charges, etc., for the past twelve months multiplied by the number of
months and any portion of a month remaining in the contract term. In the event
that any entity assumes the deposit liabilities of Client, such entity will
automatically assume the obligations and liabilities of Client hereunder for the
remaining contract term.

SBJHA-10-01   Page 1 of 12
<PAGE>
Upon receipt of notice of Client's intention to deconvert from JHA's service
bureau the agreement termination and deconversion fees listed above shall become
immediately due and payable. Under no circumstances shall Client render payment
of these fees later than thirty days after JHA has billed Client for them. JHA
reserves the right to cease providing ALL Services to Client if any amount due
to JHA under this Agreement or any other amount due JHA is not paid in a timely
fashion.

Subject to revisions as provided for hereafter, the Schedule of Service Fees
will remain in effect for the term of the Agreement. At the end of each twelve
(12) month period during the term, JHA may increase the Schedule of Service Fees
then in effect by such an amount as JHA determines to be appropriate; provided,
however, that JHA may not at that time increase the service fees in effect by a
percentage greater than the percentage increase during the preceding twelve (12)
month period in the "Consumer Price Index - Seasonally Adjusted US City Average
for All Items for all Urban Consumers (1982-84 = 100)" published monthly in the
"Monthly Labor Review" of the Bureau of Labor Statistics of the United States
Department of Labor or, should that index cease to be published, the most
comparable index published on a regular basis by the US Government. JHA will
provide a ninety (90) day advance written notice to Client before such changed
fees go into effect.

During the term of this Agreement, Client shall not engage any third party
processor other than JHA to provide the Services and shall not perform the
Services itself provided that JHA agrees to provide Services for the geographic
area and volume sizes that Client requires.

3. Ownership and Confidential Nature of Computer Software and Material

During the term of this Agreement, JHA covenants to furnish and maintain, on its
premises and at its cost, all of the equipment which it deems necessary to
perform the Data Processing Services. JHA retains the right to move the
equipment to any other location provided that such change will not materially
alter the Services JHA provides to Client as specified in this Agreement. During
the term of this Agreement, Client covenants to furnish and maintain, on its
premises and at its cost, all of the equipment and materials specified by JHA as
being necessary for Client to receive, transmit and otherwise utilize the data
processing Services specified in Exhibit "A". The Client shall also notify JHA
of the anticipated commencement of on-line Services through new or additional
terminals or the opening of new branches at least thirty (30) days in advance of
the commencement of such Services so as to enable JHA to arrange for necessary
communication lines and with the understanding that the, scheduled
implementation date of such new on-line support may be dependent on the delivery
schedules of third party vendors. The Client agrees to reimburse JHA when billed
for charges, or the Client's portion of charges pro-rated among those Clients
served, for communication lines or devices or installation of communication
lines or devices arranged and paid for by JHA on behalf of the Client. Any
equipment leased by JHA to Client shall be maintained in accordance with the
provisions of a separate lease agreement.

All data processing Software, specifications, documentation (including manuals,
routines, sub-routines, or techniques, herein collectively called "Software")
and original ideas or formulae relating to data processing or other handling or
treatment of data (herein collectively called "Ideas''), are and shall remain
the sole, confidential, trade secret property of JHA. It is agreed that the
Client will not copy related materials or divulge the contents of said Software
and Ideas to any third party without permission for such disclosure or use being
granted in writing by JHA.

The Client shall reimburse JHA for any prior agreed upon costs incurred by JHA
in developing customized Software or modifications to Software to satisfy the
requirements of the Client or the Client's independent auditors, including the
cost of the computer time to run said Software. During the term of this
Agreement JHA shall as necessary install the then most current copy of the
Software and any program temporary fixes "PTFs". The installation of these
Software and PTFs is necessary to enable JHA to continue processing Client's
data in an accurate and timely fashion. As a result of these Software updates
and PTFs it may be necessary for JHA to retrofit Client's customized code, if
any, in order to guarantee its compatibility with the then current version of
the Software. Client shall reimburse JHA for such retrofitting of Client's
customized code at JHA's then current rates for such Services. It is further
agreed that such customized Software or modifications will remain the property
of JHA and, as such, JHA has the right to use said Software or modifications in
providing Services to other financial institutions.

SBJHA-10-01   Page 2 of 12
<PAGE>
4. Transportation of Data

In the event that Client desires that JHA provide Proof of Deposit Services,
Image Capture Services or MICR recognition Services the following section shall
apply regarding the transportation of the items to be so serviced.

The parties acknowledge that reliable transportation of Client's input data and
its processed work is necessary for JHA to perform in accordance with the
Agreement. Accordingly; Client may either provide its own transportation of both
the input data and processed work or it may elect to authorize JHA to contract
for an authorized carrier to provide the transportation services and/or utilize
JHA's own or its agent's vehicles to transport Client's input data and processed
work for a fee as shown in Exhibit "A".

In the event Client elects to authorize JHA to provide the transportation
services and JHA elects to contract for a carrier to provide the necessary
transportation services, such services will be rendered under the terms and
conditions of a contract between JHA and said carrier or courier which such
contract shall be made a part hereof by reference. JHA reserves the right to
change carrier or couriers from time to time during the term of this Agreement.
Client has the right to obtain from JHA a copy of the contract which is in
effect upon written request to JHA. Client agrees that it is a third party
beneficiary of said contract and any other which JHA may elect to become a party
to during the term of this Agreement. As such, it agrees to be bound by and
subject to all terms and conditions of these courier contracts, which shall be
standard courier contracts, including, but not by way of limitation, any
limitation of liability provisions. It is the intent of the parties that JHA's
liability to Client or third parties for losses in transit, if any, shall be the
same as the liability of the carrier to JHA under its Agreement.

In the event JHA elects to utilize its own or its agent's vehicles to render the
transportation services necessary for the performance of this Agreement, then
the parties agree to be bound by a Compensation Schedule for such services,
which shall be mutually agreed upon. Accordingly the same limitation of
liability provisions as provided in standard courier contracts or such
additional agreements as may be required by JHA to perform such courier services
shall apply whether any claim is by JHA and/or Client against the authorized
carrier or Client against JHA utilizing its own or its agent's vehicles.

5. Examination

The records maintained by JHA for the Client shall be subject to examination by
those Federal or State agencies having jurisdiction over the Client to the same
extent that such records would be subject to examination were they maintained
and produced by the Client on its own premises, and JHA is authorized to provide
the representatives of such agencies access to such records. Reasonable expenses
incurred by JHA on the Client's behalf during the course of such examination
may, at JHA's sole discretion, be charged to the Client by JHA with itemized
accounting of such expenses.

6. Responsibility for Data

All records transmitted to JHA by Client shall remain the property of the
Client. In order to meet the requirements of the Gramm-Leach-Bliley Financial
Modernization Act, JHA and Client each agree that all information communicated
to it by the other, including the terms and conditions of this Agreement;
whether before the effective date or during the term of this Agreement, shall be
received in strict confidence, shall be used only for the purposes of this
Agreement, and that no such information shall be disclosed by the recipient
party, its agents or employees without prior written consent of the other party,
unless such information is publicly available from other than a breach of this
provision. Each party agrees to take all reasonable precautions to prevent the
disclosure to outside parties of such information, including without limitation,
the terms of this Agreement except as may be necessary by reason of legal,
accounting or regulatory requirements beyond the reasonable control of JHA or
Client, as the case may be.

SBJHA-10-01   Page 3 of 12
<PAGE>
JHA will use reasonable care in the processing of the accounts for the Client
and reports to the Client. The Client agrees to promptly check and verify all of
the reports received from JHA to ascertain that all data has been processed and
reported correctly, and to report any discrepancies to JHA not later than three
(3) business days following receipt of such reports. Business days will be
defined to be Monday through Friday, from 8:00 A.M. to 5:00 P.M. EST. Failure to
report any discrepancies within the time prescribed in the previous sentences
shall constitute a conclusive presumption that such reports are correct and
accurate.

JHA will provide safeguards determined at its discretion to ensure protection
against destruction of records and Software by fire or other disasters, loss of
data in transit or machine or human error, or unauthorized manipulation of data
or reports insofar as can reasonably be expected using then current techniques
and/or then current accepted business practices for storage and transfer of
magnetic media.

JHA maintains a disaster recovery plan with off-site data files and
communications facilities for the reestablishment of Services in the event of a
disaster at JHA and agrees to make such backup processing capability available
to the Client in the event of a major disaster at JHA.

7. Warranties, Exclusive Remedies and Limitation of Liability

JHA shall have no duties or responsibilities except those expressly set forth in
this Agreement. The liability of JHA for any and all damages and actual loss
caused by JHA under this Agreement shall not exceed an aggregate total greater
than the fees paid to JHA during the previous twelve months of this Agreement
less the various expenses and pass through costs defined on Exhibit A. Client
shall provide JHA with all documentation necessary to demonstrate any claimed
loss by Client. JHA shall not be liable for any loss which is settled or
compromised by Client without prior written consent of JHA. At the request of
JHA, Client shall transfer and assign to JHA all rights and remedies of Client
with respect to any claim which is ultimately paid by JHA.

The warranties contained herein shall be divided into the following categories:

Equipment:
JHA shall use its own Software and current equipment such as is indicated by
JHA's specific needs and Industry standards. All equipment shall be maintained
in a reasonable fashion which shall be compliant with industry standards. JHA
shall not be liable to Client or to any third party, including, but not limited
to, customers of Client, for errors resulting from defects or malfunctions of
the mechanical or electronic equipment used in performing its Services
hereunder.

Processing:
JHA warrants to provide the Services under this Agreement in a competent manner
consistent with industry standards. In the event that the Services provided by
JHA shall fail to meet the foregoing standard JHA shall diligently and in good
faith attempt to correct the Services without additional cost to Client. During
the period that JHA is so correcting its Services, Client shall not expect JHA
to provide any Services without compensation. If within a reasonable time JHA is
unable to correct the Services, Client shall be entitled to an equitable
reduction in fees paid to JHA for the defective Services. The remedies herein
contained are exclusive.

ATM Services:
JHA shall not be liable to Client or to any third party, including, but not
limited to, customers of Client, for any loss, damage, cost or expense arising
from the use of any lost or stolen ATM cards; failure or delay in making a
requested transfer; erroneous transfers; liability by reason of insufficiency of
funds in any account; unauthorized transfers; and failure to comply with state
or federal laws, rules or regulations.

JHA shall not be liable for delays or failures in the performance or completion
of any of its obligations under or with respect to this Agreement beyond its
reasonable control including, but not limited to, delays caused in whole or in
part by acts of civil or military authority, riots, epidemics, war, governmental
regulations, strikes, lockouts, labor difficulties, fire, hurricanes, flood,
insurrection, catastrophes, failures of transportation, communications or power
supply, unavoidable mechanical difficulty with its computer equipment, acts of
God, or other causes beyond its control or due to third parties.

SBJHA-10-01   Page 4 of 12
<PAGE>
JHA shall not be liable or responsible to Client or to any third party,
including, but not limited to, customers of Client, for any consequential,
special, indirect, or incidental damages, even if JHA has been advised of the
possibility of such damages, except to the extent such damages result solely
from the willful misconduct or gross negligence of JHA. Any liability of JHA to
Client resulting from failure to comply with the terms of this Agreement wherein
JHA shall become legally obligated to pay for damages resulting from any claim
arising from this Agreement shall be limited to the actual damages suffered by
Client and under no circumstances shall the total aggregate liability of JHA
under this Agreement exceed the fees paid by Client to JHA during the previous
twelve months of this Agreement less the various expenses and pass through costs
defined on Exhibit A. The forgoing warranties set forth in this Agreement are in
lieu of all other warranties, express or implied, whether of merchantability,
fitness or otherwise.

8. Billing and Payment for Services

The Client agrees to accept the Services and equipment described in this
Agreement and in the attached Exhibit "A" and Exhibit "B"(If applicable) and to
pay JHA all amounts due hereunder in accordance with such Exhibits. Following
the end of each billing period, JHA shall bill the Client for all amounts due
JHA hereunder for such billing period (including, but not limited to, all
standard repetitive charges, all charges for additional requested Services, and
other charges incurred by the Client whether contemplated by this Agreement or
agreed to by independent written contract or verbal contract or otherwise
requested). Payment shall be made by the Client when invoice is rendered.
Payment of all invoice amounts not received by JHA within 30 days of invoice
date shall bear interest at the rate of 1.5% per month (18% per year) until
paid.

9. Magnetic Ink Character Recognition

JHA requires that the magnetic ink character recognition (MICR) line printed on
certain Client input documents conform to standards acceptable to JHA. JHA shall
not be liable for failure of its equipment to read the Client's input documents,
nor for any subsequent errors in transmission of data or printed listing if the
MICR specifications are not adhered to. Items returned in error or processed in
error due to the inability of JHA equipment to read unacceptable MICR of any of
the Client's input documents shall be the sole liability of the Client. Upon
request, JHA will furnish the Client with detailed specifications for acceptable
MICR standards.

10. Severability

If any provision of this Agreement or the application of any provision to either
party or third person should be held invalid by a court of law, the remainder of
this Agreement or the application of such provision to the parties or third
parties other than those to which it is held invalid, shall not be affected
thereby and shall remain in full force and effect.

11. Entire Agreement

This Agreement including Exhibit A attached and Exhibit B (Exhibit B is attached
in the sole instance that Client will receive Item Processing Services from JHA)
constitutes the sole and entire Agreement between JHA and the Client pertaining
to the provision of subject Data Processing Services and supersedes all prior
agreements and understandings of the parties in connection therewith.
JHA makes no representations or warranties, expressed or implied, by operation
of law or otherwise, except those expressly stated herein. This Agreement shall
not be modified, amended, rescinded or waived in whole or in part except by a
duly executed written document signed by the parties.

This Agreement and the exhibits and schedules attached hereto shall be governed
by the laws of the State of Missouri, and the rules and regulations of the
appropriate financial institution regulatory agencies. The parties hereto bind
themselves and their successors and assigns to the faithful observance and
performance of this Agreement and the terms and conditions hereof, provided that
the Client shall not assign its rights hereunder without the prior written
consent of JHA.

SBJHA-10-01   Page 5 of 12
<PAGE>
All notices required by this Agreement shall be sent via certified or registered
mail, return receipt requested, postage prepaid, addressed to JHA at:

Jack Henry and Associates, Inc. 663 Highway 60 Monett, MO 65708 Attention:
President

and to the Client at:
MISSION BANK 1330 Truxtun Avenue Bakersfield, CA 93301 Attention: President

The notice shall be deemed delivered on the earlier of the actual date of
delivery or four days after mailing.

12. Audit Responsibility

JHA shall cause to be performed, on an annual basis, a third party operational
review of its data processing centers. A copy of the most recently completed
audit for Client's servicing center will be made available upon written request
to the manager of the center. JHA shall, upon request, schedule a mutually
convenient time whereby Client audit representatives may visit the processing
center for - further audit needs.

Client should review on a daily basis any audit, maintenance and exception
reports available from JHA.

13. Time frames for Receipt and Delivery of Work JHA shall make available the
following:

Access to on-line files between 7:00 A.M. and 7:00 P.M. daily.
Access to print spool files for initiating of report printing at Client location
between 6:00 A.M. and 7:00 P.M. daily.

Additional access to on-line and print files may be made available upon request
by Client.

Client shall make data available to JHA for daily processing as follows:
Maintenance transactions for new and existing Client customers by 7:00 P.M.

MICR data file transmissions for items processed and captured by Client or a
third party processor by 7:00 PM. Later availability times may be made available
on written request by Client for exception conditions. Late delivery of these
items will result in the assessment of additional fees by JHA.

JHA recognizes that availability of certain data required for processing of
Client's work (such as ATM and ACH transactions) may not be under Client's
direct control. JHA will make reasonable efforts to accommodate the processing
time frames of these other providers.

For Clients utilizing backroom check processing services of JHA, a courier
pickup and delivery schedule will be developed prior to implementation to allow
for adequate check clearing time frames.

If the installation requires JHA to have access to another vendors Software
being used by Client, Client will obtain any required permission for JHA's
access; and Client will pay any charges or fees made by said vendor. In this
connection JHA will agree to treat said vendor's software as confidential and
proprietary to said vendor.

SBJHA-10-01   Page 6 of 12
<PAGE>
14. Notification of Changes

JHA shall notify Client in advance of any changes that would affect Client
procedures, system access or functionality, reports, processing time frames or
related areas.

IN WITNESS WHEREOF, the parties have executed this Agreement in duplicate as of
the date first written above.

By: /s/ Geri Combs                 MISSION BANK
                                   1330 Truxtun Avenue
Title:  VP & CFO                   Bakersfield, CA 93301

Date:  2/19/02

By:  /S/ Jack Prim                 JACK HENRY & ASSOCIATES, INC.
                                   663 Hwy. 60
Title: Chief Operating Officer     Monett, MO 65708

Date:  2/23/02

SBJHA-10-01   Page 7 of 12
<PAGE>
EXHIBIT "A"
ADDENDUM TO DATA PROCESSING A GREEMENT

Monthly Processing Costs will be as follows:

Base Processing Fee includes the following applications:
Customer Information File          Account Analysis
Demand Deposit Accounting          Customer Profitability
Savings & Club Accounting          Accounts Payable
Loans (All types)                  Overdraft Protection
Time Deposit Accounting            Home Equity Loans
Repurchase Agreements              Loan pricing
Individual Retirement Accounting   Cash Sweep
General Ledger                     ACH Origination
Safe Deposit Box Accounting        Executive Reminder System
Stockholder Accounting             Account Reconciliation
Automatic Funds Transfer System    Audit Confirmations
Loan Collections

Base Processing Fee will remain fixed for the term of the Agreement for up to a
total of 3,107 Deposit and Loan accounts (regardless of account status or
activity).

MONTHLY COSTS:

Base Processing Fee                                                 $2,390
Includes up to 10 devices)
Additional 10 Devices                                                 $300
Telephone Line Charges (Estimated)                                  Actual
Additional Monthly Fees:
ACH Fed-Line Interface                                                 N/C
Inclearing via Fed                                                     N/C
Call Reporter Interface                                                N/C
Enhanced Statements                                                   $100
ATM Positive Balance File including Debit Card Transactions           $200
Streamline Platform Automation (Deposits Only)                        $450
On-Line JHA Integration                                               $100
JHA Teller-Host Based Teller Automation System (10 workstations)      $250
SIGMASTER                                                             $100
CTRMASTER                                                             $100
BONDMASTER                                                            $100
CHECKMASTER                                                           $100
ISOSCELES                                                             $100
(Additional workstations may be added at a cost of $75 per workstation
per month assuming only above listed modules are licensed.)
PinPoint Report Retrieval                                             $350
Item Processing per attached detail                                 $2,086
TOTAL MONTHLY COSTS:                                                $6,726

SBJHA-10-01   Page 8 of 12
<PAGE>
ONE TIME COSTS

CIF 20/20 Conversion-Installation                                 $0

Education
- Parameter Training
4.5 days in Charlotte, N.C. for up to 3 people. Parameter and product
plan training to facilitate conversion planning activities. Each additional
person $500.
- On-Site Training
3.5 days training at financial institution location. Training financial
institution staff on daily functions. (Financial institution provides training
room and equipment) Each additional day 51,200.
- Network Connectivity Training
Includes 2-days on-site to train financial institution staff or network
vendor on JHA connectivity standards, device naming conventions, IP addressing,
terminal emulation and GUI configuration, printer
setup and other information as needed. Additional installation assistance
available for $175.00 per hour.

Phone Line Installation (Estimated)                                 $     0
ACH Fed-Line Interface                                              $     0
Inclearing via Fed                                                  $     0
Call Reporter Interface                                             $     0
Enhanced Statements                                                 $     0
ATM Positive Balance File including Debit Card Transactions         $     0
Streamline Platform Automation (Deposits Only)                      $ 3,000
JHA Teller-Host Based Teller Automation System                      $ 6,500
(Includes only modules listed in monthly cost section)
PinPoint Report Retrieval                                           $ 2,000
Item Processing per attached detail                                 $     0

SUBTOTAL:                                                           $11,500
LESS JHA ALLOWANCE (PINPOINT):                                     $(2,000)

TOTAL INSTALLATION/TRAINING CHARGES                                 $ 9,500

Client will pay additional costs beyond monthly processing charges as follows:
-     All telecommunication line costs, charges, expenses and installation fees
at actual cost (if different from those indicated).
-     All costs, expenses and charges attributable to i) the sorting, mailing
and/or transmission of reports or other output to Client or its designees, and
ii) the transportation, transmission or delivery of such reports and other
materials between the facilities of JHA at which the Services are provided and
the delivery points of Client (other than routine courier services to the extent
that they may be covered in Section "4. Transportation of Data".
-     All costs, expenses and charges incurred by JHA at Client's request
including costs, expenses and charges attributable to travel, photocopy and data
and record storage and retrieval, to the extent that such charges and expenses
are billed by JHA.
-     All costs expenses and charges attributable to the supplies and postage
used, purchased or incurred in the preparation and mailing of periodic
statements to customers of Client, including paper stock, envelopes, and other
related charges which are billed by JHA.
-     All Federal Reserve Bank, clearing house, regulatory agency other third
party     clearing charges and all costs expenses and charges attributable to
such charges.

SBJHA-8-01   Page 9 of 12
<PAGE>
-     Hardware maintenance charges onsite at Client's location equipment.
-     Any forms and supplies related to Client's printing requirements.
-     All charges associated with the costs, charges and expenses for software
licensing and customization, hardware and other equipment.
-     A monthly minimum fee equal to 70% of the monthly fees shown on Exhibit
"A" and Exhibit "B" (if applicable). This minimum fee shall be subject to offset
to the extent that Client's actual processing fees exceed it and shall begin as
of the earlier of the date the Client begins using JHA Services under this
Agreement or 240 days from the date of this Agreement.
-     Costs associated with external reporting via magnetic media, such as
Credit Bureau Reporting, including a cost of $75.00 per tape generated.
-     Travel and out of pocket expenses of conversion/education personnel
traveling to Client location.

By: /s/ Geri Combs                 MISSION BANK
                                   1330 Truxtun Avenue
Title:  VP & CFO                   Bakersfield, CA 93301

Date:  2/19/02

By:  /S/ Jack Prim                 JACK HENRY & ASSOCIATES, INC.
                                   663 Hwy. 60
Title: Chief Operating Officer     Monett, MO 65708

Date:  2/23/02

SBJHA-8-01   Page 10 of 12
<PAGE>
SCHEDULE OF SERVICE FEES

# OF ACCOUNTS                                 PRICE PER ACCOUNT
    4000                                           $    1
    5000                                           0.8500
    6000                                           0.7500
    7000                                           0.6786
    8000                                           0.6250
    9000                                           0.6050
   10000                                           0.6000
   11000                                           0.5950
   12000                                           0.5900
   13000                                           0.5850
   14000                                           0.5800
   15000                                           0.5750
   16000                                           0.5700
   17000                                           0.5650
   18000                                           0.5600
   19000                                           0.5550
   20000                                           0.5500
   21000                                           0.5450
   22000                                           0.5400
   23000                                           0.5350
   24000                                           0.5300
   25000                                           0.5250
   26000                                           0.5200
   27000                                           0.5150
   28000                                           0.5100
   29000                                           0.5050
   30000                                           0.5000
   31000                                           0.4990
   32000                                           0.4980
   33000                                           0.4970
   34000                                           0.4960
   35000                                           0.4950
   36000                                           0.4940
   37000                                           0.4930
   38000                                           0.4920
   39000                                           0.4910
   40000                                           0.4900
   41000                                           0.4890
   42000                                           0.4880
   43000                                           0.4870
   44000                                           0.4860
   45000                                           0.4850
   46000                                           0.4840
   47000                                           0.4830
   48000                                           0.4820
   49000                                           0.4810
   50000                                           0.4800
   51000                                           0.4790
   52000                                           0.4780
   53000                                           0.4770
   54000                                           0.4760

SBJHA-8-01   Page 11 of 12
<PAGE>
EXHIBIT "B"
Check Image Processing Proposal

MISSION BANK
1330 Truxtun Avenue
Bakersfield, CA 93301

JHA and Bank will develop an item delivery schedule to allow for acceptable
processing and clearing. JHA will provide item encoding functions, capture MICR
and Images, deliver transit items to the Federal Reserve, perform all sorting
and statement rendering functions. We will return the items to the bank daily
for retention and subsequent destruction. Bank agrees to separate single
item deposits into a separate Special Handling envelope and include an adding
machine listing of items to be used as a balancing total.

Services                         Price    Volumes  Costs

Proof Encoding                    0.0250   16,091  402.28
Proof Adjustments                 2.5000
Total Proof Services              402.28

Image Capture                     0.0300   29,785  893.55
Reject Re-Entry                   0.0800      414   33.12
Cash Letter Processing             50.00        1   50.00
Exception Item Pulls              200.00        1  200.00
Special Serial Sorts
 (per Account)                     25.00        -       -
Total Item Capture Services     1,176.67

Image Statement Processing        0.3500      711  248.85
Non Image Statements w/Checks     3.5000       24   84.00
Non Image Savings Statements      0.1000      215   21.50
Statement Printing, per page,
 Single Sided                     0.0500    3,057  152.87
Statement Printing, per page,
 Double Sided                     0.1000        -       -
Statement Inserts                 0.0100        -       -
Item Research                     2.5000        -       -
Return Item Processing            1.2500        -       -

Total Statement Services                   507.22

Courier Expenses*                 0.0000        -       -
Microfilm Expenses*               0.0000        -       -
Postage Expenses*                 0.0000        -       -

SBJHA-8-01   Page 12 of 12
<PAGE>
CONTRACT MODIFICATION

WHEREAS, JACK HENRY & ASSOCIATES, INC. (JHA) entered into a Data Processing
Services Agreement (Agreement) dated December 12, 2001 with MISSION BANK, 1330
Truxtun Avenue, Bakersfield, CA 93301 (Client).

NOW THEREFORE, JHA and Client mutually contract and agree that said Agreement is
modified as follows:

1. The "DATA PROCESSING SERVICES AGREEMENT" is changed and modified as follows:

l.     In Section "2. Term of Agreement":
A. Following the second subparagraph insert the following new subparagraph:

"In the event that Client deconverts from the JHA Data Processing Service, JHA
will provide Client with one set of test tapes with appropriate file layouts,
and one set of final deconversion tapes. Each set will consist of up to five (5)
tapes at no cost with an additional charge of $75.00 per tape for each
additional tape. All tapes will be provided in standard format. In no event
shall the charges for the preceding services exceed an amount of $7,500.00 for
these deconversion services. All other services and/or programming will be
performed and billed at JHA's then current published standard rate as it is
provided to all customers. Upon the finalization of the Deconversion JHA shall
within thirty (30) days submit a final bill to Client which will itemize all
fees, costs and other amounts due JHA. Client shall remit payment for said
billing on a net (30) basis."

B. To the end of the Section add the following new subparagraph and language as
follows:

"In the event that either party has materially breached this Agreement and fails
to correct said breach fully within ninety days of its receipt of written notice
of such breach or if either party files for bankruptcy then the other party may
terminate this agreement at their sole discretion. In the sole event of a breach
by JHA which is not remedied as provided for herein Client shall not be
obligated to pay the minimum amounts shown elsewhere herein."

CM1SB-4-97
<PAGE>
Contract Modification
Bakersfield, CA
Page 2

2.     In Section "13. Time frames for Receipt and Delivery of Work." following
the last subparagraph insert the following new language:

"(A)     Data Processing Services - Customer shall notify JHA of any performance
issues/problems and JHA shall have the 30-day period to correct any problems. If
JHA has not corrected the problem as outlined in the service level agreements
below it will be considered a breach after three consecutive 30 day periods and
then the client shall have the right to terminate this agreement.

(B)     On-Line Availability - JHA's standard of performance shall be on-line
availability of the JHA core processing system 98% of the time that it is
scheduled to be available over a 3 month period ("Measurement Period"). Actual
online performance will be calculated monthly by comparing the number of hours
that the JHA system was scheduled to be operational on an on-line basis
exclusive of preventive maintenance and scheduled maintenance with the number of
hours, or a portion thereof, it was actually operational on an on-line basis.
Preventative maintenance will not be scheduled during normal online processing
hours. Preventative maintenance will be performed on only mission critical
equipment during on-line processing hours. Downtime caused by reasons beyond
JHA's control will not be considered in the statistics.

(C) Report Availability - JHA's standard of performance for report availability
shall be that, over a Measurement Period, 95% of all Critical Daily Information
shall be available for remote printing or dispatch to the courier on time
without significant errors. Critical Daily Information shall mean priority group
reports that JHA and Client mutually agree in writing are necessary to account
properly for the previous day's activities and properly notify Client of
overdraft, NSF, or return items. The agreed upon Critical Daily Information
shall be listed on an exhibit attached to the final conversion plan. A
significant error is one that impacts Client's ability to account properly for
the previous day's activity and/or account properly for overdraft, NSF or Return
Items. Actual performance will be calculated monthly by comparing the total
number of reports scheduled to be available from JHA for that month, to the
number of reports that were available on time and without error. Failing to meet
the 95% goal for a particular month shall be regarded as a single occurrence.

SERVICE GOAL: 95%
REMEDY:     Client will notify JHA of non-performance in writing through the
normal predefined procedures. JHA will have 30 days to cure.
BREACH: 3 occurrences in 90 day period.

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(D)     Response Time - JHA's standard of performance for response time shall be
the average total time for the receipt of a response at the Client workstation
following the entry of the last required data element by Client. Within sixty
(60) days of the implementation of this contract JHA and Client will develop and
implement a test script consisting of a variety of inquiry transactions to
determine the average response time of the software at a workstation level. If
the thereby obtained response time is greater than five (5) seconds on average
JHA will take steps to remedy the problem following written notification of the
problem by Client. However, if the slow response time is not solely the fault of
JHA, Client hereby acknowledges that it is willing to change various aspects of
Client's hardware and/or telecommunications configuration provided that JHA
reasonably believes that such areas are the cause of the slowed response time.
Response time measurements are specific to transactions accessing host software
files and do not include Complementary Products such as NetTellerTM, PassPortTM,
or InTouch that involve non-host equipment or external communications links.

SERVICE GOAL: 95%
REMEDY:     Client will notify JHA of non-performance in writing through the
normal predefined procedures. JHA will have 30 days to cure.
BREACH: 3 occurrences in 90 day period.

(E)     Problem Resolution - JHA will use reasonable efforts to resolve at least
90% of all problems reported to JHA within 24 hours from the time the problem is
first reported to JHA. JHA and Client agree to cooperate fully in promptly
reporting and analyzing the reasons for failure, if any, to meet the goals and
objectives contained in this Exhibit. JHA agrees to assist Client in dealing
with any third party that may be responsible therefore, and further agrees to
make appropriate recommendations to Client for correcting such failures, without
regard for whether or not the failure was attributable to JHA. JHA will present
to Client a written plan for corrective action for those failures directly under
JHA's control. Client inquires will be acknowledged by JHA within 2 hours of
request. A plan for resolution of the inquiry will be completed by JHA within 24
hours of the time inquiry unless JHA and Client accept a mutually agreeable
time.

SERVICE GOAL: 90%
REMEDY:     Client will notify JHA of non-performance in writing through the
normal predefined procedures. JHA will have 30 days to cure.
BREACH: 3 occurrences in 90 day period.

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(F)     Service Fee Credits and Bonuses - In the event JHA's standard of
performance falls below the prescribed level of performance for critical
performance standards as outlined over the prescribed Measurement Period
resulting in a direct cost incurred by the bank, JHA shall provide credit
against Client's next invoice for Account Processing Services compensating the
bank for those costs incurred.

(G)     Image Item Processing Services

Performance Standards:
JHA will perform the Item Processing Services in accordance with the performance
standards specified below. Customer shall notify JHA of any performance
issues/problems and JHA shall have the 30-day period to correct any problems. If
JHA has not corrected the problem as outlined in the service level agreements
below it will be considered a breach after three consecutive 30 day periods and
then the client shall have the right to terminate this agreement.

Delivery of Work:
Client agrees to deliver un-encoded work to the JHA Item processing center at
least three (3) hours in advance of the time that cash letters need to leave the
center in order to meet the deadlines that the client wishes JHA to meet. If the
work is preencoded, the work must be delivered at least two hours in advance of
the time that cash letters need to leave the center in order to meet the
deadlines that the client wishes JHA to meet.

Proof and Encoding:
Client will prepare and present proof work in accordance with JHA' s standards
and work preparation guidelines. JHA will comply with Client's instructions for
customer corrections, suspense entries, and exception items.

JHA proof of deposit and balancing of work received from Client for processing:
DESCRIPTION:
-     All (100%) batches are balanced without errors
-     Dollar encoding errors to meet service goals of 1 in 5,000 items
-     Corrections made with accepted medium
-     All Customer Corrections are legible and complete
-     All Customer Corrections have the correct reason listed
-     Items are endorsed with the proper bank stamp in proper Regulation CC.
position and legible
- All transaction Corrections using G/L debits and credits contain the correct
information

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-     Suspense documentation is legible and complete

SERVICE GOAL:     99.980%
REMEDY:
-     Client will notify JHA of specific non-performance issues in writing
through the normal predefined procedures.
-     JHA will have 30 days to cure.
MEASUREMENT:     Percent of Volume
BREACH: 3 non-performance occurrences in 90-day period

Cash Letter Preparation:
JHA preparation of transit cash letters:
DESCRIPTION:
-     Cash Letters are sent out with correct total(s)
-     Cash Letters are sent with complete bundle count(s)
-     Cash Letter differences are explained
-     Cash Letters for proper bank are used
-     Cash Letters for the correct correspondent are used
-     Cash Letters are sent out in a timely manner to meet deadlines.
-     Notification of cash letters (transit deposits) not sent out as specified
above on the following day.

SERVICE GOAL: Not to exceed one error per month REMEDY:
-     Client will notify JHA of specific non-performance issues in writing
through the normal predefined procedures.
-     JHA will pay Client the interest lost from missed investment opportunity
at the current Fed Funds Rate as published daily in the Wall Street Journal due
to a missed transit deposit deadline that was a direct result of a JHA error.
JHA will not pay for missed cash letters due to late delivery of work.
-     JHA will have 30 days to cure.
MEASUREMENT:     Record of Occurrence
BREACH: 3 non-performance occurrences in 90-day period

Statement Preparation and Check Filing:
JHA preparation of statements and check filing requirements: A statement error
is a statement that:
DESCRIPTION
-     Includes a page from a statement of another customers, or -     Is missing
a page, or

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-     Includes items of another customer, or
-     Is missing items and a missing item notice is not included in the
statement
-     Labeled "Hold Statements" being mailed out
-     a statement labeled with a "hold Code" for special handling being mailed
out
-     A statement that is mailed later than the 3r business day following the
date of statement.
- Cripple statements will receive an additional two (2) days to resolve.
Resolution for statements with physical items that cannot be located will
include the image in lieu of physical document.

SERVICE GOALS
Statement errors will not exceed .01 % of the statements rendered in any one
cycle.
REMEDY:
-     Client will notify JHA of specific non-performance issues in writing
through the normal predefined procedures.
-     JHA will have 30 days to cure.
MEASUREMENT:     Percent of Volume
BREACH: Performance goals not met 3 times in 90-day periods

Research:
JHA research of items, photocopy production: DESCRIPTION:
-     The turn around time for a research request will be 48 hours from the time
of receipt (unless otherwise notified)
-     Best effort will be made to produce quality photocopies
-     A completion commitment will be provided when Client requests subpoena
research

SERVICE GOAL:     99.0% REMEDY:
-     Client will notify JHA of specific non-performance issues in writing
through the normal predefined procedures.
-     JHA will have 30 days to cure.
MEASUREMENT:     Percent of Volume of the total copies/images requested. BREACH:
3 non-performance occurrences in 90-day period

Inclearings Processing:
Inclearings processing:
DESCRIPTION:
-     Log totals by bank
-     Balance checks against Cash Letters

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-     Will not modify the account, but will put into suspense for client
decision and Record differences
-     Prepare Cash Letter Adjustments
-     Process checks by transmission deadline

SERVICE GOAL:     99.5%
MEASUREMENT:     Percent of Volume"

3.     Add the following new Section and language:
"15.     Jack Henry & Associates, Inc.'s Policy on Privacy of Consumer Financial
Information.

In order to assist Client in meeting the requirements of the Gramm-Leach-Bliley
Financial Modernization Act, Jack Henry & Associates sets out in writing its
long standing policy and practices regarding the privacy of information provided
by our customers and their clients:

Jack Henry & Associates (JHA) will not sell, disclose, nor permit access to
information provided by Client for any purposes other than those specifically
required to fulfill JHA's contractual obligations with Client.

In the event any court or regulatory agency seeks to compel disclosure of said
information JHA will, if legally permissible, promptly notify Client of said
attempt and will cooperate so that Client may at its expense seek to legally
prevent this disclosure of information.' "

In witness whereof, the parties have caused this CONTRACT MODIFICATION to be
executed by their duly authorized representatives.

JACK HENRY & ASSOCIATES, INC. 663 Highway 60, P. O. Box 807 Monett, MO 65708
(JHA)

By: /s/ Jack Prim

Type/Print Name  Jack Prim

TITLE: Chief Operating Officer

MISSION BANK 1330 Truxtun Avenue Bakersfield, CA 93301 (CLIENT)

By: /s/ Geri Combs

Type/Print Name  Geri Combs

TITLE: VP & CFO

CM1SB-4-97

<PAGE>EXHIBIT 10.5

LEASE

THIS LEASE is entered into as of November 6, 2002, between TRIPLE B ENTERPRISES,
LLC, a Limited Liability Company ("Landlord"), and MISSION BANK, a California
Banking Corporation ("Tenant").

ARTICLE 1.     LEASED PREMISES

Agreement to Lease

1.01. In consideration of the agreements and covenants contained in this Lease
to be kept and performed by both Landlord and Tenant, Landlord leases to Tenant
and Tenant leases from Landlord the Premises described in Paragraph 1.02 Of this
Lease.

"Premises" Defined

1.02. "Premises" means the retail space commonly known as 10 Panama Road,
Bakersfield, Kern County, California. The Premises is more particularly
described on Exhibit A.

ARTICLE 2.     TENANT'S BUSINESS

Permitted Business Use

2.01.     Tenant is leasing the Premises to operate and conduct a branch banking
operation and related businesses. Tenant may not use the Premises or permit the
Premises to be used for any other purpose. Landlord does not represent or
warrant that Tenant's permitted business use is presently permitted or will be
permitted in the future by applicable regulations.

ARTICLE 3.     TERM OF LEASE

Commencement Date and Term

3.01.     The Original Term of this Lease shall be for a period of ten (10)
years, beginning on November 6, 2002 (the "Commencement Date"), and continuing
until October 31, 2112.

Options to Renew

3.02. Provided that Tenant is not then in default under the terms of this Lease,
upon expiration of the term of this Lease as set forth in Section 3.01 of this
Lease, Tenant shall have two (2) consecutive options to renew the term of this
Lease each for an additional period of five (5) years (the "Extended Term").
Tenant shall exercise each such option by serving notice of Tenant's exercise
thereof upon Landlord at least thirty (30) and no more than ninety (90) days
prior to the end of the initial term of this Lease as set forth in Section 3.01
of this Lease as the same may be extended. Except as specified in this Section
3.03, all terms of this Lease shall apply fully during the Extended Term.

ARTICLE 4.     RENT AND OTHER CHARGES

Fixed Rent

4.01.     (a)     Subject to the provisions of Subparagraphs (b) and (c) of this
Paragraph, beginning on the Commencement Date and continuing through the entire
Original Term and the Extended Term, Tenant shall pay to Landlord an annual
Fixed Rent of $25,000.00 in monthly installments of $2,083.33. Tenant shall pay
each installment of Fixed Rent on the first day of each month during the
Original Term and the Extended Term, beginning on December 1, 2002. Each monthly

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installment of Fixed Rent shall be paid in arrears, without prior demand by
Landlord, and without deduction or setoff. If Fixed Rent payable under this
Lease is abated for any portion of any year pursuant to the terms of this Lease,
the amount of the annual installment of Fixed Rent for that year shall be
adjusted on a per diem basis calculated on a 360-day year. All rent payable
under this Lease shall be paid to Landlord at the address set forth in this
Lease for the giving of notice to Landlord (as may be changed from time to time
by written notice). Tenant acknowledges that the first installment of Fixed Rent
due December 1, 2002, shall be in the full amount specified, despite the fact
that the part of the month of November, 2002, included in the Original Term is
less than a full month.

(b) The annual fixed rent payable under Subparagraph (a) of this Paragraph shall
be adjusted as of the first day of the month which includes the fifth
anniversary of the Commencement Date and as of every fifth year thereafter as
set forth in this Subparagraph (b). Subject to the limitation set forth in
Subparagraph (c) of this Paragraph, the annual Fixed Rent shall be adjusted as
follows: The Consumer Price Index for All Urban Consumers published by the
Bureau of Labor Statistics, United States Department of Labor for all items
("Index") in effect on the Commencement Date shall be the Base Index. On each
date specified for adjustment of the Fixed Rent in this Subparagraph, the Index
in effect immediately before that date (the "Adjustment Index") shall be used
for purposes of calculating the amount of the adjustment, if any. If the
Adjustment Index has increased over or decreased from the Base Index, the Fixed
Rent payable until the next date specified for the adjustment of Fixed Rent
shall be increased or decreased by the same percentage as the Adjustment Index
bears to the Base Index. If the Consumer Price Index, as now constituted,
compiled, and published, shall cease to be compiled and published during the
term of this Lease, or is calculated on a significantly different basis
following the date of this Lease, the most comprehensive official Index
published that most closely approximates the rate of inflation (or deflation)
shall be used for purposes of computing adjustments under this Lease.

(c)     The adjustments to the annual Fixed Rent made under Subparagraph (b) of
this Paragraph shall be limited to provide that, for each five-year period, the
annual Fixed Rent shall be no more than the following sums:

For November 1, 2007 through October 31, 2012 - $28,125.00;
For November 1, 2012 through October 31, 2017 - $31,640.63; and
For November 1, 2017 through October 31, 2022 - $35,595.70.

Utility Services and Charges

4.02.     (a)     Except for utility services provided by Landlord under
Subparagraph (b) of this Paragraph, Tenant shall apply to the appropriate local
utility companies to begin service on the Premises on or before the Commencement
Date, and shall pay the cost of any required deposit, hook-up fee, metering
charge, or other charge by the utility provider. Throughout the term of this
Lease, Tenant shall pay, prior to delinquency, the cost of all utilities on the
Premises, whether provided by a local utility company or by Landlord. For
services separately metered or otherwise separately billed to the Premises,
Tenant shall arrange for the local utility company to bill Tenant directly.
Should any utility be provided by Landlord, Landlord shall bill Tenant monthly
for those services and Tenant shall pay the same at the same time as Tenant pays
Fixed Rent.

(b)     As of the Commencement Date, it is expected that Landlord will provide
no utility services to Tenant. Landlord may elect at any time during the term of
this Lease to furnish, or to select an agent or independent contractor to
furnish, utilities to the Premises and, in that case, the Tenant agrees to
accept the furnished utility services to the exclusion of any other provider,
provided the charge to Tenant for furnished services is competitive with other
providers or has been approved by the appropriate regulatory agency. On at least
thirty (30) days prior written notice, Landlord may discontinue furnishing any

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utility service previously provided to Tenant and in that case, Landlord shall
be responsible for connecting the Premises to a new provider, but shall
otherwise have no responsibility to toward Tenant. Landlord has no
responsibility for any curtailment or suspension of any utility service to the
Premises provided by a local utility company, or in the case of any utility
provided by Landlord, for any curtailment or suspension necessitated by repairs,
action of a public authority, strikes, acts of God or public enemy, other
similar causes, or default by Tenant under this Lease. Curtailment or suspension
of utility services does not constitute a constructive eviction under this
Lease.

Taxes

4.03.     (a)     Throughout the term of this Lease, Tenant shall pay, prior to
delinquency all real property taxes and special assessments assessed against the
Premises. Tenant shall arrange to have all billings for real property taxes and
for all assessments not included therein sent directly to Tenant. Should
Landlord receive any such billing, Landlord shall immediately deliver the same
to Tenant. Tenant shall also arrange, as nearly as possible for informational
copies of such billings to be mailed to Landlord.

(b) Both Landlord and Tenant shall have the right to contest the amount of any
portion of the real property taxes levied against the Premises or to the
underlying valuation giving rise to any such assessment. If Landlord receives a
refund of any such tax which Tenant has paid Landlord, Landlord shall refund the
same to Tenant after first deducting all costs and expenses incurred by Landlord
in obtaining such refund, including reasonable attorney fees and reasonable
appraiser fees. Landlord shall have no duty to contest the amount of any tax
assessed against the Premises. The parties shall coordinate their efforts with
regard to any contest described in this paragraph.

Additional Rent

4.04. Any monetary sum in addition to Fixed Rent payable by Tenant under this
Lease, to Landlord or to others shall be deemed additional rent ("Additional
Rent") under this Lease whether or not the same is so designated. Unless
otherwise provided, all Additional Rent shall be paid at the same time as Fixed
Rent is payable, and Landlord shall have the same remedies for Tenant's failure
to pay Additional Rent as Landlord may have for Tenant's failure to pay Fixed
Rent.

ARTICLE 5.     CONSTRUCTION AND REPAIRS

Condition of Premises

5.01. Tenant has inspected the Premises and accepts it in its "as is" condition.
Landlord makes no representations or warranties regarding the condition of the
Premises, and Tenant acknowledges that neither Landlord nor any agent of
Landlord has made any representations to Tenant regarding the present or future
condition of the Premises.

Tenant's Construction

5.02     (a)     Subject to the limitation set forth in this Subparagraph (a) of
this Paragraph, Landlord shall, at Landlord's sole cost and expense, cause
improvements to be made to the Premises for the benefit of Tenant in the
following particulars (Landlord's Work): Repaving parking lot; installation of a
downstairs restroom, and installation of a conference room and private office.
All Landlord's Work shall be performed promptly and in a workmanlike manner. The
total cost to Landlord for Landlord's Work shall not, however, exceed the sum of
$32,160.73.

(b) At tenant's sole cost and expense, Tenant shall commence and complete
construction of any and all improvements to the Premises, other than Landlord's
Work, that are necessary for the conduct of Tenant's business on the Premises
("Tenant's Work"). All Tenant's Work shall be performed in a good and
workmanlike manner. Tenant shall also reimburse Landlord for all cost of
Landlord's Work in excess of the limitation set out in Subparagraph (a) of this
Paragraph.

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(c)     Tenant shall procure and maintain, in addition to the insurance
described in Paragraph 8.02 of this Lease, any additional insurance necessary to
cover the full replacement value of all work performed and all fixtures and
equipment installed on the Premises. Tenant and Tenant's subcontractors shall
also maintain in effect workers' compensation insurance as required by law.

(d)     Tenant shall promptly pay all contractors involved in Tenant's Work and
shall notify each contractor and subcontractor in writing that Tenant is solely
responsible for payment of Tenant's Work and that Landlord has no liability for
that work. If any mechanic's lien or other encumbrance relating to Tenant's Work
is filed against Landlord or the Premises, or any other part of the shopping
center, Tenant shall, at tenant's sole cost and expense, cause the lien or other
charge to be discharged of record bonded within five (5) days after Landlord's
written notice to Tenant. If tenant fails to discharge or bond a lien or other
encumbrance within the time required, Landlord has the right, but not the
obligation, to pay the amount of the lien or encumbrance or otherwise discharge
it by deposit or bonding. Tenant shall reimburse Landlord immediately upon
Landlord's written notice for any amount so expended by Landlord, together with
interest at the legal rate from the date of Landlord's expenditure. Landlord's
rights under this Subparagraph do not preclude Landlord from exercising any
other right or remedy afforded by this Lease or by law.

(e)     In performing or causing Tenant's Work to be performed, Tenant, at
Tenant's sole cost and expense, shall comply with all applicable laws,
regulations, orders, and requirements of any governmental entities having
jurisdiction and shall obtain all necessary permits required. Tenant shall
insure that no part of Tenant's work unreasonably interferes with the normal
business operation of the shopping center and that all debris and rubbish be
removed at regular intervals.

(f)     Tenant assumes all liability for personal injury or property damage in
any way arising out of the performance of Tenant's Work and agrees to defend,
indemnify, and hold Landlord harmless from and against any and all damages,
liabilities, and other costs or expenses (including attorney fees) that Landlord
may pay or incur as a result of any claim or lawsuit arising from Tenant's Work.

Alterations and Improvements by Tenant

5.03.     Except for Tenant's Work described in Paragraph 5.02, Tenant may not
make any alterations or improvements to the Premises without first obtaining
Landlord's consent in writing, which consent shall not be unreasonably withheld.
Any such alterations or improvements to which Landlord shall consent shall be
performed in compliance with all provisions for tenant's Work set out in
Paragraph 5.02.

Repairs to Premises

5.04.     At Tenant's sole cost and expense, Tenant shall maintain the Premises
in good order and repair.

Ownership of Improvements

5.05.     Except for Tenant's Work as described in Paragraph 5.02, all
alterations, additions, and improvements made or placed in the Premises by
Tenant shall remain the property of Tenant and, on expiration or earlier
termination of this Lease, Tenant shall have the right to remove the same;
provided, however, that Tenant shall, at Tenant's sole expense do all acts
necessary to restore the Premises to their condition existing prior to Tenant's
first addition of improvements.

ARTICLE 6.     DESTRUCTION OF PREMISES

Notice of Damage

6.01.     Within twenty-four (24) hours of its occurrence, Tenant shall notify
Landlord of any damage or accident occurring on the Premises.

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Abatement of Rent

6.02.     If damage or destruction to the Premises renders the operation of
Tenant's business wholly impossible and Tenant in fact ceases to operate
Tenant's business, the Fixed Rent payable under this Lease shall abate either
during the period beginning on the date of the casualty and ending on the date
Landlord completes repairs, restoration, or rebuilding. If Tenant is able to
continue operation of Tenant's business, there shall be no abatement.

Obligations for Repair or Rebuilding

6.03.     Landlord's obligation to repair is limited to the portion of the
improvements on the Premises located on the Premises prior to the first
improvement installed by Tenant. Tenant, at Tenant's own cost and expense must
repair and rebuild the all of its improvements in all respects
in accordance with the requirements set out in Paragraph 5.02.

ARTICLE 7. USE OF THE PREMISES

Condition of Premises

7.01.     Tenant shall at all times keep the Premises (including the interior
and exterior surfaces) in a clean, safe, sanitary, and orderly condition.
Prohibited Actions

7.02.     Tenant shall not do or permit any of the following on the Premises:

(a)     Commission of waste.
(b)     Conduction of any auction or other sale that would indicate that Tenant
is going out of business, is bankrupt or has lost Tenant's lease.
(c)     Placement of any pay telephones, vending machines (except exclusively
for use by Tenant's employees), or video or other amusement games.
(d)     Use of the Common Areas for any business purpose.
(e)     The making of any noise or sounds that carry through the boundaries of
the Premises in any manner.
(f)     Any unlawful conduct.
(g)     Storage or use of any hazardous substances or materials.

Compliance with Laws

7.03.     At Tenant's sole expense, Tenant shall comply with all governmental
laws, rules, regulations, orders, and ordinances relating to the Premises and to
the use and occupancy of the Premises, including any requiring a capital
expenditure for or capital improvement to the Premises. Tenant shall also
maintain and keep in force all licenses and permits required by governmental
authorities and shall comply with all requirements, recommendations, and
regulations of Landlord's and Tenant's insurance companies.

Assignment and Subletting

7.04.     Tenant shall not, without the prior written consent of Landlord (which
consent will not be unreasonably withheld) assign, sell, mortgage, or in any
other manner transfer this Lease or any interest of Tenant in this Lease or
sublet the whole or any part of the Premises or permit the Premises or any part
of the Premises to be used or occupied by others. Landlord's consent to one such
transaction shall not constitute a consent to any subsequent transaction nor
relieve Tenant from obtaining written consent to any future transaction. No such
transaction, whether consented to by Landlord or not, shall relieve Tenant from
any obligation under this Lease. Landlord may, without waiving Landlord's rights
hereunder, accept rent from any occupant of the Premises. The prohibition of
transfer under this Lease include any transfer that occurs by operation of law,
legal process, receivership, bankruptcy, or otherwise, whether voluntary or
involuntary.

                                     Page 5
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ARTICLE 8.     INSURANCE

Insurance by Landlord

8.01.     Landlord may procure and maintain insurance covering the real property
containing the Premises, including, but not limited to, liability insurance.
Insurance by Tenant

8.02.     Tenant shall, at Tenant's sole cost and expense, procure and maintain
during the entire term of this Lease the following insurance coverage:

(a)     Comprehensive general public liability insurance insuring against the
risks of bodily injury, property damage, and personal injury liability occurring
on the Premises or arising out of Tenant's use and occupancy of the Premises,
with a combined single limit of at least $1,000.000.00.

(b)     Such fire and extended coverage insurance and vandalism and malicious
mischief insurance, insuring the improvements and contents of the improvements
on the Premises as may be necessary to provide full replacement coverage.

(c)     Workers' compensation insurance as required by law.
All such policies, where appropriate shall list Landlord as an additional
insured and shall be issued by insurers acceptable to Landlord.

Indemnification

8.03.     Landlord shall not be liable to Tenant, and Tenant hereby waives all
claims against Landlord, for any injury or damage to any person or property on
or about the Premises by or from any cause whatsoever, excepting injury or
damage to tenant resulting from acts or omissions of Landlord or Landlord's
agents. Tenant agrees to indemnify and hold Landlord harmless from and defend
Landlord against any and all claims or liability for any injury or damage to any
person or property occurring in, on, or about the Premises or any part of the
Premises, excepting any damage or injury caused in whole or in part by the act
or omission of any duty by Landlord or Landlord's agent.

ARTICLE 9.     SUBORDINATION, ATTORNMENT AND ESTOPPEL CERTIFICATES

Subordination

9.01.     This Lease and all of Tenant's rights herein shall be subject and
subordinate to any mortgage or deed of trust encumbering the real property on
which the shopping center is located and Tenant shall reasonably execute any
document requested by any Lender to evidence such subordination.

Attornment

9.02.     Tenant shall attorn to any purchaser of the Premises who acquires
Landlord's interest therein, including any purchaser at foreclosure sale.

Estoppel Certificates

9.03.     Tenant agrees to execute such estoppel certificates as may be
reasonably requested by Landlord or Landlord's Lender during the term of this
Lease.

ARTICLE 10.     CONDEMNATION

Condemnation

10.01.     Any condemnation which occurs during the term of this Lease shall be
treated as damage or destruction to the Premises under Article 6 of this Lease,
with any condemnation award treated as proceeds of insurance thereunder.

                                     Page 6
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ARTICLE 11.     DEFAULT AND TERMINATION

"Default" Defined

11.01.     The occurrence of any of the following constitutes a default and
breach of this Lease by Tenant:

(a)     Any failure by tenant to pay Rent, Fixed or Additional, which continues
for three (3) or more days after written notice from Landlord to Tenant.

(b)     The abandonment of the Premises by Tenant, which shall be deemed to have
occurred if Tenant is absent from and fails to conduct business on the Premises
for a period in excess of fourteen (14) consecutive days.

(c)     Failure of Tenant to observe or perform any other provision of this
Lease which continues for thirty (30) or more days after written notice of
Tenant's failure is given by Landlord to Tenant; provided, however, that if cure
of any such default cannot be completed within thirty (30) days, Tenant shall
not be deemed to be in default if such cure is commenced within such period and
diligently prosecuted by Tenant.

(d)     The making by Tenant of any general assignment for the benefit of
creditors; the filing by or against Tenant of a petition in bankruptcy; the
appointment of a receiver or trustee to take possession of substantially all of
Tenant's assets located at the Premises or Tenant's interest in this Lease; or
the attachment, execution, or other judicial seizure of substantially all of
Tenant's assets located at the Premises or of Tenant's interest in this Lease.
Termination of Lease and Recovery of Damages

11.02.     In the event of any default by Tenant under the terms of this Lease,
in addition to any remedies available to Landlord at law or in equity, Landlord
shall have the right to terminate this Lease and all rights of Tenant under this
Lease by giving written notice of termination. No act of Landlord shall be
construed as terminating this Lease except written notice given by Landlord to
Tenant advising Tenant that Landlord elects to terminate the Lease. In the event
Landlord elects to terminate this Lease, Landlord may recover the following from
Tenant:

(a)     The worth at the time of award of any unpaid rent that has been earned
at the time of termination of this Lease;

(b)     The worth at the time of the award of the amount by which the unpaid
rent that would have been earned after termination of this Lease until the time
of award exceeds the amount of rental loss that Tenant proves could have
reasonably been avoided;

(c)     The worth at the time of award of the amount by which the unpaid rent
for the balance of the term of this Lease after the time of the award exceeds
the amount of rental loss that Tenant proves could be reasonably avoided; and

(d)     Any other amount necessary to compensate Landlord for all detriment
proximately caused by Tenant's failure to perform Tenant's obligations under
this Lease.

     As used in Subparagraphs (a) and (b) of this Paragraph, the term "rent"
shall include Fixed Rent and Additional Rent. The term "worth at the time of
award" is computed by allowing interest at the rate of 10 percent per year. As
used in Subparagraph (c) of this Paragraph, "worth at the time of award" is
computed by discounting the amount at the discount rate of the Federal Reserve
Bank of San Francisco at the time of award plus 1 percent.

Landlord's Right to Continue Lease in Effect

                                     Page 7
<PAGE>
11.03.     If Tenant breaches this Lease and abandons the Premises before the
natural expiration of the term of this Lease, Landlord may continue this Lease
in effect by not terminating Tenant's right to possession of the Premises, in
which event Landlord shall be entitled to enforce all of its rights and remedies
under this Lease, including the right to collect rent as it falls due. No act
shall be deemed an election to terminate this Lease except for service of a
notice of termination.

Landlord's Right to Relet

11.04.     In the event Tenant breaches this Lease, Landlord may enter on and
relet the Premises to a third party for any term, at any rental, and on any
terms that Landlord deems advisable and shall have the right to make alterations
to the Premises. Tenant shall be liable for all of Landlord's costs and expenses
of reletting, including reasonable attorney fees. In the event Landlord relets
under this Paragraph, Tenant shall continue to pay all rent due, less only
amounts actually received by Landlord.

Landlord's Right to Cure Tenant Defaults

11.05.     If Tenant breaches or fails to perform any provision of this Lease,
Landlord may, but shall not be required to, cure Tenant's breach, in which case
Tenant shall reimburse Landlord immediately for such amount plus interest at the
rate of 10 percent.

Cumulative Remedies

11.06.     The remedies granted to Landlord in this Lease or by law shall be
cumulative and may be exercised singularly or in conjunction with others.
Waiver of Breach and Estoppel

11.07.     No waiver of any provision of this Lease shall be implied from any
failure to enforce a remedy for the violation of that provision even if the
violation continues or is repeated. Any waiver by Landlord of any provision must
be in writing and shall affect only the provision specified and only for the
period of time and in the manner stated in writing. Acceptance of rent hereunder
shall not be deemed a waiver of any breach other than a breach in payment of
that installment of rent, regardless of Landlord's knowledge of any existing
breach. The failure of Landlord to notify Tenant of the reason for Landlord's
failure to enforce any remedy shall not affect an estoppel of any character
against Landlord's future enforcement of remedy.

Surrender on Termination

11.08.     On expiration or earlier termination of this Lease, Tenant agrees to
surrender the Premises in good order and repair (reasonable wear and tear
excepted). Further, Tenant shall, at Tenant' sole cost. remove all of Tenant's
improvements, merchandise, inventory, and trade fixtures and repair any damage
occasioned by such removal.

Holdover Tenancy

11.09.     If Tenant remains in possession after expiration of the term of this
Lease without renewing or extending this Lease, Tenant's continued occupancy of
the Premises shall be considered a month-to-month tenancy that may be terminated
by either party on 30-days notice to the other. All terms of this Lease shall be
fully applicable to the month-to-month tenancy insofar as not inconsistent with
a month-to-month tenancy.

Attorney Fees

11.10.     If any litigation is commenced between the parties to enforce or
interpret this Lease or any of its provisions, the prevailing party shall
recover, in addition to all other relief, its reasonable attorney fees incurred
in such litigation.

                                     Page 8
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MISCELLANEOUS

Landlord-Tenant Relationship

12.01.     This Lease establishes a Landlord-Tenant relationship between the
parties and it shall not be construed to create any other type of relationship
whatsoever.

Brokerage Commissions

12.02.     No brokerage commission shall be payable by either party on account
of the negotiation of this Lease.

Interest on Obligations

12.03.     Any payment due from Tenant to Landlord under this Lease shall bear
interest from the date due until paid at the rate of ten percent.

Notices

12.04.     Any notice required or permitted under the terms of this Lease or
under the law shall be in writing and shall be deemed given when personally
delivered or when deposited in the mail, postage prepaid, addressed to the party
to whom it is directed as follows:

Landlord:     12825 South Union Avenue, Bakersfield, CA 93307

Tenant:     1330 Truxtun Avenue, Bakersfield, CA 93301

Either party may change the address for service of notice upon him, her, or it,
by giving notice to the other party of the change.

Binding Effect

12.05.     This Lease shall be binding upon and inure to the benefit of the
parties and their respective heirs, successors and assigns, but nothing
contained in this Paragraph shall be deemed consent by Landlord to any
assignment.

Time of Essence

12.06. Time is expressly declared to be of the essence in this Lease.

Sole and Only Agreement

12.07.     This Lease constitutes the sole, only, and entire agreement between
the parties relating to its subject matter and all prior discussions and
negotiations are merged herein. This Lease may be amended only by an instrument
in writing signed by all parties.

Invalidity or Unenforceability

12.08,     If any provision of this Lease is determined by any Court of
competent jurisdiction to be invalid, void, or unenforceable, such determination
shall have no effect upon the balance of this Lease which shall remain in full
force and effect.

Captions

12.09,     The captions and numbers of the Articles and Paragraphs of this Lease
are for convenience only and are not intended to reflect in any way on the
substance or interpretation of this Lease.

Executed as of the date first above written at Bakersfield, Kern County,
California.

                                     Page 9
<PAGE>
LANDLORD
TRIPLE B ENTERPRISES, LLC, a Limited Liability Company

By:                   , Manager

TENANT
MISSION BANK, a California Banking Corporation

By: /s/ Richard Fanucchi, President

By:                     , Secretary

                                    Page 10
<PAGE>

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