1. Introduction

Liberty Citizens Bank is committed to operating with the highest level of integrity, customer privacy, financial responsibility, and regulatory compliance. Our policies reflect our dedication to providing a safe, secure, and transparent banking environment.

2. Privacy Policy

• We collect only the necessary personal information required to provide banking services.

• Customer data is protected with strong encryption and will never be shared without consent, except as required by law.

• Customers have the right to access, update, or delete their personal information upon request.

3. Anti-Money Laundering (AML) & Know Your Customer (KYC)

• All account holders must verify their identity through government-issued ID and proof of address.

• We monitor transactions for suspicious activity in compliance with U.S. AML laws.

• Any suspected illegal activity is reported to the relevant authorities.

4. Deposit Insurance

• All eligible deposits are insured by the FDIC up to the legal limit (currently $250,000 per depositor, per account category).

5. Fair Lending & Equal Opportunity

• We are committed to fair lending practices and do not discriminate based on race, gender, religion, age, or income level.

• Loan applications are evaluated using consistent and transparent criteria.

6. Online & Mobile Banking

• Users must protect their login credentials and report any suspicious account activity immediately.

• We maintain continuous monitoring and use industry-standard security protocols to protect your online data.

7. Code of Conduct

• Our employees must maintain ethical standards, avoid conflicts of interest, and serve all customers fairly.

• Bribery, harassment, or unethical behavior are strictly prohibited and grounds for termination.

8. Complaint & Dispute Resolution

• Customers can submit concerns through our website or at any branch.

• Complaints are reviewed within 3 business days, and resolution is typically provided within 10 business days.