Privacy Policy of Liberty Savings Bank fsb
Welcome to Liberty Savings Bank fsb's (LSB) Web site. We have described below our privacy policy regarding any personal information you may supply to us. Our goal is to protect your information on the internet in the same way that we protect it in all the other ways we interact with you--in branches, at ATM's and on the phone. Personal information includes all of the personally-identifying information you provide us. You may give us personal information when you open an account or apply for a loan or other services, when you use on-line banking or when you send us an e-mail.

On-Line Personal Information
This section describes the circumstances under which we may receive personal information on-line.

When you enroll in on-line banking or apply on-line for products or services, you will be asked for personal information. LSB and our business partners who help us provide these services to you will have access to your personal information. This information may be retained by LSB and its business partners who help deliver the product or service requested. Also, in order to respond to any e-mail you send us, we will retain the content of your e-mail and your e-mail address. 

Privacy Policy
This section describes how we safeguard the privacy of our customers on-line and throughout our businesses.

1. Recognition of a Customer's Expectation of Privacy
   LSB recognizes and respects the privacy expectations of its customers and will take the steps necessary to protect the privacy of the information shared with LSB.
    
2. Use, Collection and Retention of Customer Information
   LSB collects, retains and uses information about individual customers only where LSB reasonably believes it would be useful (and allowed by law) in administering LSB's business and to provide products, service and other opportunities to its customers.
    
3. Maintenance of Accurate Information
   LSB has established procedures so that a customer's financial information is accurate, current and complete in accordance with reasonable commercial standards. LSB also responds to requests to correct inaccurate information in a timely manner.
    
4. Limiting Employee Access to Information
   LSB limits employee access to personally identifiable information to those with a business reason for knowing such information. LSB educates its employees so that they will understand the importance of confidentiality and customer privacy. LSB also takes appropriate disciplinary measure to enforce employee privacy responsibilities.
    
5. Protection of Information via Established Security Procedures
   LSB maintains appropriate security standards and procedures regarding unauthorized access to customer information.
    
6. Restriction on the Disclosure of Account Information
   LSB does not reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable credit reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence, unless 1) the information is provided to help complete a customer initiated transaction; 2) the customer requests it; 3) the disclosure is required or allowed by law; or, 4) the customer has been informed about the possibility of such disclosure for marketing or similar purposes through a prior communication.
    
7. Maintaining Customer Privacy in Business Relationships with Third Parties
   If personally identifiable customer information is provided to a third party, LSB insists that the third party adhere to strict privacy guidelines that provide for keeping such information confidential.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Liberty Savings Bank, FSB.
This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

• All of our consumer customers who have a continuing relationship with us, such as:
• Deposit account
• Loan account
• Credit card
• Safe deposit box
• Self-directed Individual Retirement Account where we act as custodian or trustee
• Home mortgage brokerage
• Home mortgage servicing

We will tell you the sources for non-public personal information we collect on our customers. We will tell you what measures we take to secure that information.

We first define some terms.

Non-public personal information means information about you that we collect in connection with providing a financial product or service to you. Non-public personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

THE INFORMATION THAT WE COLLECT

We collect non-public personal information about you from the following sources:

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

• Information about your transactions with us

• Information about your transactions with our affilliates

• Information about your transactions with nonaffiliated third parties

• Information from a consumer reporting agency

INFORMATION WE DISCLOSE ABOUT YOU

We do NOT disclose any non-public personal information about you to anyone, except as permitted by law.

THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR non-public PERSONAL INFORMATION

We restrict access to non-public 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 non-public personal information.

non-public PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES

We will not disclose non-public personal information about you to anyone except as disclosed in this policy or as permitted by law.

non-public PERSONAL INFORMATION AND FORMER CUSTOMERS

We do not disclose non-public personal information about former customers, except as permitted by law.