Contact Information
Sound Financial Bancorp, Inc.
2400 3rd Avenue
Suite 150
Seattle, WA 98121
(206) 448-0884

Transfer Agent
Broadridge Corporate Issuer Solutions, Inc.
1717 Arch Street, Suite 1300
Philadelphia, PA 19103

Shareholder Inquiries:
1-877-830-4936
Fax: (215) 553-5402
E-mail: shareholder@broadridge.com

Sound Financial Declares Fourth Quarter Dividend of $0.04 Per Share

Company Release - 1/28/2009

SEATTLE--(BUSINESS WIRE)-- Sound Financial Inc. (OTCBB: SNFL), holding company for Sound Community Bank, is pleased to announce that its Board of Directors has declared a regular quarterly cash dividend of $0.04 per common share. The dividend will be paid on February 25, 2009 to shareholders of record on February 10, 2009.

This is the fourth consecutive quarterly cash dividend paid to shareholders by Sound Financial since its initial public offering in January, 2008.

Sound Financial Inc. is the holding company for Sound Community Bank, a full-service bank, providing personal and business banking services in communities across the greater Puget Sound region. The Bank operates from offices in King, Pierce, Snohomish and Clallam Counties, and on the web at www.soundcb.com.

    Source: Sound Financial Inc.
Contact: Sound Financial Inc. Media: Scott Boyer, 206-448-0884 x-312 or Financial: Matt Deines, 206-448-0884 x-305
Contact Information
Sound Financial Bancorp, Inc.
2400 3rd Avenue
Suite 150
Seattle, WA 98121
(206) 448-0884

Transfer Agent
Broadridge Corporate Issuer Solutions, Inc.
1717 Arch Street, Suite 1300
Philadelphia, PA 19103

Shareholder Inquiries:
1-877-830-4936
Fax: (215) 553-5402
E-mail: shareholder@broadridge.com