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Letter to Our Customers: Our Privacy Policy

April 2009

Dear Customer:

At WaterStone Bank SSB the confidentiality of your personal information is of the utmost importance. We maintain the latest equipment and software and are constantly looking for new ways to protect your privacy. We believe your trust is our most valuable asset and we will actively seek to protect that trust.

WaterStone Bank SSB does not sell any public or nonpublic personal information to nonaffiliated third parties for any purpose. WaterStone Bank SSB does not share any public or nonpublic personal information with anyone except as defined in our privacy notice or as permitted by law.

Please take the time to read over our privacy notice. If you have any questions, please feel free to contact any one of our offices or email us.

Sincerely,

William F. Bruss
General Counsel/Senior Vice President
WaterStone Bank SSB