Your privacy is very important to us.  LibertyStreet Financial Group (further referred to as "we" or "us") values you, our customer, and we respect your privacy. We are committed to sharing with you:

• The sources of information we need to collect from you
• What measures we take to secure your information
• What information we may share about you with other entities

Please read this to learn how we handle your information and how you may opt out of certain information disclosures.  We suggest that you share this information with anyone with whom you share an account, such as a joint account holder or co-borrower.

The Information We Collect

We collect information about you from the following sources:

• Applications and other forms
• Your transactions with us
• Your transactions with our affiliates
• Your transactions with other parties
• Consumer reporting information

The Confidentiality, Security, and Integrity of Your Information

We restrict access to information about you to only those employees who need to know that information to provide products or services to you.  We do not collect any information that is not required to accomplish the tasks that you have asked of it.  In addition, we do not sell information about our specific clients/users to other organizations. 

We maintain physical, electronic, and procedural safeguards to protect this information.  Our security measures were designed to protect against fraud, loss and the mishandling of customer information under our control.  This ensures that information about our clients is not tampered with or accessible to other parties.

Your Information and Our Affiliates

We may disclose certain types of information about you to our affiliates in order to provide you with information about additional products and services.  The information we share from our account records may include information about your transactions and experience with us.  Disclosing this information is permissible by federal law.  This information may include:

• Name and address
• Account balances and account activity
• Types of accounts
• Deposit history
• Loan-to-value ratios

Information we receive about you from applications, forms and credit reporting agencies, may also be shared.  However, you may opt out of the disclosure of the following types of information.

• Social security number
• Assets
• Income
• Liabilities
• Creditworthiness
• Credit history

Our Affiliates

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.  Nonpublic personal information - Information about you that we collect in connection with providing a financial product or service to you.  Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.  We may disclosure information about you to our following affiliates:

Reverse Mortgages of Hawaii

We also reserve the right under federal law to disclose additional information about your transactions and experience with us to our affiliates in the future.

Authorized Sharing - Outside Sharing and/or Joint Marketing Services

We may disclose information that we've obtained from our experience and transactions with you to companies that perform marketing on our behalf and institutions with which we have joint marketing agreements (i.e.  other financial institutions and financial service providers).  Disclosing this type of information (i.e.  a customer's name, address, types of accounts and account balances) is permissible by law.  Disclosure of this type of information is intended to facilitate the sale of our products or products of our affiliates.  Information disclosed to the institutions with which we have joint marketing agreements is to be used for the purpose of direct mail solicitations only.

We do not disclose information about former customers, except as permitted by law.  We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law.  This might include disclosures necessary to service your account, perform joint marketing, or prevent unauthorized transaction.

If you wish to opt out of disclosure of your information, you may do so by contacting our customer service department at 1-800-656-4045.  If you so choose not to participate in products and services from non-affiliated companies, LibertyStreet Financial Group Group will not disclose information about your account.

Contacting Us

 If you should have any questions about this Privacy Statement, please contact our customer service department at 1-800-656-4045.