Information Notice of Your Financial Privacy Rights

We, our, and us, when used in this notice, mean Ocean City Home Bank, OC Financial MHC, Ocean Shore Holding Company, Ocean Shore Capital Trust and Seashore Financial LLC.

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

• Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
  • Deposit account
  • Loan account
  • Safe deposit box
  • Self-directed Individual Retirement Account
• Former customers

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means 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. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.
An affiliate is 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.
A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as an "other party."

The Information We Collect

We collect information about you from the following sources:

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency

The Confidentiality, Security, and Integrity of Your Information

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

Your Information and Other Parties

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

Authorized Sharing - Joint Marketing

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

• Information you give us on an application or other forms, such as:
  • Name
  • Address
  • Telephone number

You do not have a right to opt out of the disclosure of this information.

State Limitations
We will not share the above information, such as Name, Address, and Telephone number about customers who reside in the following state(s):

• Alaska
• Alabama
• Idaho
• Vermont
• Illinois

We will not share any information derived from deposit relationships with us about customers who reside in the following state(s):

• Massachusetts
• Mississippi

Types of Businesses
We may disclose information pursuant to joint marketing agreements to the following types of businesses:

• Financial service providers, such as:
  • Securities broker-dealers

Reasons For Disclosing
We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.

Information About Former Customers

We have the same policy about disclosing information about former customers as we do about current customers.

Ocean City Home Bank Children's Privacy Policy

Ocean City Home Bank recognizes and respects the importance of maintaining the privacy and the confidentiality of children who may access our website. The following privacy policy has been adopted to ensure that children's privacy and the confidentiality are maintained at all times.

• We do not knowingly collect, store or share with third parties any personal identifying information obtained on our website on children under the age of 18. Personal identifying information includes e-mail addresses, street addresses, phone numbers and names.
• We have implemented blocks on our account opening procedures that require a date of birth to be submitted before an applicant can submit an online application. If the date of birth indicates the applicant is under the age of 18 for deposit or loan applications, the user will be prevented from continuing the online application process.

If you have additional questions regarding children's privacy and our website, you may contact us via e-mail at service@ochome.com, telephone us at 1-800-771-7990, or write to us at:

Ocean City Home Bank
Attn: Customer Service Department
1001 Asbury Avenue
Ocean City, NJ 08226