PROTECTING YOUR PRIVACY
Your personal privacy is important to Polonia Bank. We want you to know how we collect, retain and use information about you and your business relationship with us. It is our job to keep all nonpublic, personal information about you as confidential and secure as possible. This type of information includes, but may not be limited to, your name, your home and/or business address and telephone number, your Social Security Number and/or Employer Identification Number, and your deposit and loan account information.

INFORMATION WE COLLECT ABOUT YOU
We collect nonpublic personal information about you from the following sources: -Information we receive from you on applications or other forms, -Information about your transactions with us, our affiliates, or others, -Information we receive from a consumer-reporting agency. Polonia Bank collects, retains and uses personal information about you for the purposes of serving your financial needs, administering you account relationships with us and complying with law.

NO DISCLOSURES OUTSIDE OF EXCEPTIONS
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

ENDING CUSTOMER RELATIONSHIP
When you end your customer relationship with us, or when we end our customer relationship with you, we will treat all personal information and records we have about you as if you were still our customer.

CONFIDENTIALITY AND SECURITY
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We prohibit our employees and agents from giving information about you to any third party in any manner that would violate any applicable law or this Privacy Statement. We do not provide information about you to anyone without first verifying who they are and whether they may have the legal right to the information. We train our employees to protect the information we have about you, and the records we keep concerning your business with us. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

SECURITY POLICIES AND PROCEDURES
Polonia Bank has established security policies and practices within our organization to help us protect information and records about you from unauthorized access and disclosure. In addition, by, contract, we have established similar security measures with all third parties through which we deliver financial services to you.

ADDITIONAL INFORMATION
Polonia Bank does not sell information to nonaffiliated third parties. We do exchange credit information about our customers with credit reporting agencies in accordance with the Federal Fair Credit Reporting Act. We do provide information about you and your transactions to government agencies or regulators as required by law. We are also legally required to disclose information about you under other circumstances such as in response to a subpoena or to prevent fraud.

We may share information about you with certain nonaffiliated companies that act as our agents. We do this to provide you with convenient access to products or services, or to perform necessary business functions and services. This sharing is permitted by law. Such agents are contractually bound to keep confidential and secure information about you that we give them. These agents include but are not limited to STAR (ATM), Fiserv (Data Processing) and Clarke American (Check Printing).

YOUR OPT-OUT RIGHTS
Pursuant to recent Federal legislation, you are given opt-out rights that permit you to tell us you do not want to disclose nonpublic personal information about you to nonaffiliated third parties in certain circumstances. At this time, you do not have any opt-out rights under this legislation because Polonia Bank does not disclose information about its customers in circumstances where this legislation applies. If our policy were to change, and we do not anticipate that it will, we will be required to notify you. And you will be given the opportunity to opt-out of any and all disclosures by us of personal information about you to third parties, as provided in the legislation.

Our Mission
Polonia Bank is committed to providing our customers with quality financial products and services that address their individual needs in a courteous, knowledgeable, personal, yet, professional environment. We are equally committed to sustaining the growth, development, and welfare of the communities that we serve through both financial support and community service. Additionally, we strive to provide a comfortable working environment that offers employees opportunities for professional development. Meeting these goals will ensure that all individuals associated with Polonia Bank will continue to enjoy a level of unsurpassed financial security and success now and into the future.