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Privacy Policy

Rev 01/2026

An introduction to this privacy policy
Facts	What does Liberty Bank of New Jersey do with your personal information?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and Income Account Balances and Payment History Credit History and Transaction History When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Liberty Bank of New Jersey chooses to share; and whether you can limit this sharing.

Reasons why we share certain data, what data we share, and if you can limit our sharing
Reasons we can share your personal information	Does Liberty Bank of New Jersey share?	Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes— to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	No
For our affiliates’ everyday business purposes— information about your transactions and experiences	No	We don’t share
For our affiliates’ everyday business purposes— information about your creditworthiness	No	We don’t share
For affiliates to market to you	No	We don’t share
For nonaffiliates to market to you	No	We don’t share

What to do if you have questions
Questions?	Call (973) 232-5800 or use our contact form

Who is providing this notice
Who we are
Who is providing this notice?	Liberty Bank of New Jersey

What we do with your personal information, how we collect it, and why you can’t limit all sharing
What we do
How does Liberty Bank of New Jersey protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Liberty Bank of New Jersey collect my personal information?	We collect your personal information, for example, when you: open an account or deposit money apply for a loan or conduct a wire transfer Use your debit or ATM card or pay your bills We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes— information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing.

Definitions of terms in this privacy policy
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Liberty Bank of New Jersey has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Liberty Bank of New Jersey does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Liberty Bank of New Jersey does not share for joint marketing.

Other important information
Other important information
You may have other privacy protection under state laws. We will comply with these laws as applicable.