PRIVACY STATEMENT

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

• Information we receive from you on applications and other forms
• Information about your transactions with us, our affiliates or others
• Information we receive from a consumer reporting agency

We may disclose all of the information we collect as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We may disclose nonpublic personal information about your transactions and experiences with us (such as your account balances and payment history) to our affiliated banks, as permitted by law. We may also disclose nonpublic personal information about our customers and former customers to nonaffiliated third parties as permitted by law.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with Federal standards to guard your nonpublic personal information.

Visitors to the Liberty Bank website will remain anonymous. We do not collect personal identifying information about site users, unless you choose to provide such information. Standard software is used to collect and store only the following non-identifying information about our visitors:

• The name of the domain from which you access the Internet
• The date and time you access our site
• The Internet address of the website from which you linked directly to our site

Websites often use a technology called “cookies” to provide you with tailored information. A cookie is an element of data that a website can send to your browser. Your browser may then store this data on your personal computer. Cookies help a website to remember you as a previous visitor and can enhance your use of the website by saving your preferences while you are at the site. A cookie does not retrieve data from your personal computer hard drive, carry any computer viruses or capture your e-mail address. You can set your browser to notify you when you receive a cookie, giving you the opportunity to accept or reject it.

For convenience and information purposes only, our website provides links to other websites. These websites may contain information that is copyrighted with restrictions on reuse. Permission to use copyrighted materials must be obtained from the original source and cannot be obtained from Liberty Bank. Liberty Bank is not responsible for the content of external websites linked to, or referenced from our website. Liberty Bank neither endorses the information, product or service, content, presentation, accuracy, nor makes any warranty, express or implied, regarding these external websites. Users should be aware that when they seek a link on the Liberty Bank website to external websites, they are leaving our website. You should review the privacy policies of the external websites in order to determine what personal identifiable information they will collect, why the information will be collected and how they will use the information.

Thank you for banking with us!