Liberty Bank has adopted the following principles: Recoginiton of Customer's Expectation of Privacy Liberty Bank recognizes and respects the privacy expectations of our customers. Liberty Bank has  established policies and procedures to prevent misuse of our nonpublic information, which, in this disclosure, we call "confidential information", about our current and former customers. Use, Collection and Retention of Customer Information Liberty Bank collects, retains and uses confidential information about individual customers only where it is allowed by law and we reasonably believe it is useful in administering our business and in providing products, services and other opportunities to our customers. What Information We Collect We collect: Confidential information customers provide us on applications and other forms Confidential information about customers' transactions with the bank, its affiliates or others Confidential information we receive from a consumer reporting agency What Information We Disclose, and to Whom Liberty Bank does not disclose any confidential information about our customers to anyone, except as permitted by law. For example: We disclose confidential information to third parties that we retain to assist us in furnishing our products and services to our customers, such as to help complete a customer-initiated transaction or to help administer our bona fide business. Whenever we provide confidential information to a third party, we insist that the third party adhere to privacy principles at least as strict as ours, to keep that information confidential. Confidentiality and Security Liberty Bank restricts access to confidential information to those employees who need to know that information to provide products or services to our customers. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard all confidential information. Special Information Applicable to Electronic (Internet) Banking Liberty Bank's "Privacy Principles" will apply to customers' confidential and private information with regard to both traditional and non-traditional (i.e. Internet) banking activities. However, due to the unique nature of the Internet and the ease with which information can be exchanged, Liberty Bank feels it is important for customers to be aware of the unique issues surrounding Internet Banking. To better serve legitimate Internet Banking customers: Liberty Bank collects generic information about visitors to our website, through the use of "cookies" placed on the visitor's computer hard drive. These cookies tie certain information we may track, such as the date and time of access, the activities in which the visitor engages while on our website, the Internet service provider's address, the web browser used and other information. Liberty Bank requires customers to utilize specific passwords for access to confidential and private information. Liberty Bank reminds customers of their responsibility to safeguard login IDs and passwords. In addition, commercial customers should carefully screen those employees to whom user IDs and passwords are granted. Liberty Bank utilizes encryptions, firewal, router, third party verification procedures and other sophisticated security software and hardware to help prevent unauthorized eavesdropping of and access to customer's confidential and private information. However, no one can guarantee that all of these measures will prevent unauthorized access to our data processing system and the data therein. Liberty Bank utilizes up-to-date computer virus protection software to help prevent the spread of computer viruses. However, we cannot guarantee that we will be able to prevent computer viruses from being spread to those who access our website. Liberty Bank utilizes "cookies" to help authenticate our customer's identities and to help facilitate the exchange of information between Liberty Bank systems and our customer's systems. Liberty Bank reminds all of our customers that confidential and private information may be compromised in both traditional and non-traditional banking activities. Liberty Bank can only establish policies and procedures to help restrict use of and access to confidential and private information. If any Liberty Bank customers believe that confidential and private information has been compromised, please contact Liberty Bank immediately so that the potential breach can be investigated. Comments or Complaints by Customers Any comments or complaints about this policy, any privacy-related issue or any inaccuracy in customer data can be made by contacting: Vanessa Slagboom Liberty Bank 500 Linden Avenue South San Francisco, CA. 94080 650.871.2400 vslagboom@libertybk.com

This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a Verisign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic Secure Access and Verifying User Authenticity To begin a session with the bank's server, the user must key in a Login ID, a password, and a random code. Our system, the Internet Banking System, uses a "3 strikes and you're out" lock-out mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring a phone call to the bank to verify the password before re-entry in the system. Upon successful login, the Digital ID from Verisign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor. Secure Data Transfer Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128 bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session. Router and Firewall Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank. Using the above technologies, your online banking transactions are secure. Internet Browser Selection We suggest the use of Microsoft Internet Explorer 6 or later, Netscape Navigator 6.0 or later or America Online 4.0 or newer for you online banking. These browsers use 128 bit encryption and will also prevent sensitive information from being written onto your hard drive, making it virtually impossible for unauthorized users to access your information. Click on these links to download your choice of Microsoft Internet Explorer or Netscape Navigator with 128 bit encryption. Microsoft Internet Explorer 6.0 Netscape Navigator 6.0

If your Liberty Bank ATM / Debit Card is lost or stolen, please contact our Central Operations Support Department during bank hours at 650.871.2400 immediately to report or call First Data Services at 800.523.4175 after hours or weekends.