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Exhibit 10.4.1
 Amended and Restated  Supplemental Executive Retirement Agreement
 Thomas R. Venables




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Table of Contents
 PART 1. DEFINITIONS
    
    
    11.1. Actuarial Equivalent
    
    
    11.2. Agreed-Upon Methodologies
    
    
    11.3. Annual Annuity Equivalent
    
    
    21.4. Beneficiary
    
    
    21.5. Calendar Year
    
    
    21.6. Change in Control
    
    
    21.7. Code
    
    
    21.8. Compensation
    
    
    21.9. Disabledand Disability
    
    
    31.10. Effective Date
    
    
    31.11. Employer
    
    
    31.12. Employment Agreement
    
    
    31.13. Final Average Compensation
    
    
    31.14. Good Reason
    
    
    31.15. Insurance Policy
    
    
    31.16. Normal Retirement Age
    
    
    31.17. Original Agreement
    
    
    31.18. Payment Date
    
    
    31.19. Retirement Benefit
    
    
    41.20. SBERA
    
    
    41.21. Separation from Service
    
    
    41.22. Specially-Defined Cause
    
    
    51.23. Trustee
    
    
    51.24. Vested Portion
    
    
    5PART 2. BENEFIT AND RELATED MATTERS
    
    
    52.1. Timing and Calculation of Payment of Benefit
    
    
    52.2. Delay in Certain Payments as Required by Section 409A
    
    
    52.3. Rabbi Trust
    
    
    52.4. Disability
    
    
    62.5. Termination without Specially-Defined Cause or for Good Reason
    
    
    62.6. Death
    
    
    72.7. No Benefits Upon Discharge for Specially-Defined Cause
    
    
    72.8. Optional Form of Benefit
    
    
    72.9. Interest
    
    
    7PART 3. ADDITIONAL PROVISIONS
    
    
    83.1. Beneficiary Designation Procedure
    
    
    83.2. Assistance in Purchase of Life Insurance
    
    
    83.3. Alienability and Assignment Prohibition
    
    
    83.4. Binding Obligation of Bank and any Successor in Interest
    
    
    83.5. Amendment
    
    
    83.6. General
    
    
    8




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3.7. Headings
    
    
    93.8. Applicable Law
    
    
    93.9. Named Fiduciary and Plan Administrator
    
    
    93.10. Claims Procedure
    
    
    93.11. Arbitration
    
    
    93.12. Non-Competition; Non-Solicitation
    
    
    103.13. Entire Agreement
    
    
    113.14. Reductions
    
    
    113.15. Interpretation
    
    
    123.16. Employment
    
    
    123.17. Communications
    
    
    12




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Amended and Restated  Supplemental Executive Retirement Agreement
 Bank Holding Company Executive 2005 Agreement
        Part 1. Definitions
 1.1. Actuarial Equivalent
 1.2. Agreed-Upon Methodologies




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1.3. Annual Annuity Equivalent
 1.4. Beneficiary
 1.5. Calendar Year
 1.6. Change in Control
 1.7. Code
 1.8. Compensation e.g.
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1.9. Disabled Disability
 1.10. Effective Date
 1.11. Employer
 1.12. Employment Agreement
 1.13. Final Average Compensation
 1.14. Good Reason
  Voluntary Termination
  Good Reason
  1.15. Insurance Policy
 1.16. Normal Retirement Age
 1.17. Original Agreement
 1.18. Payment Date
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1.19. Retirement Benefit Yearly Benefit Amount provided, however Yearly Benefit Amount
 (a) multiplying
 (b) subtracting
    (c) multiplying
 1.20. SBERA
 1.21. Separation from Service
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1.22. Specially-Defined Cause
 1.23. Trustee Trust
 1.24. Vested Portion Exhibit 1.24 (Vested Portion)
 Part 2. Benefit and Related Matters
 2.1. Timing and Calculation of Payment of Benefit
 2.2. Delay in Certain Payments as Required by Section 409A
 2.3. Rabbi Trust
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2.4. Disability
 Disabled
 Disabled Disability
 2.5. Termination without Specially-Defined Cause or for Good Reason Specially-Defined
Cause Good Reason
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2.6. Death provided, however,
 2.7. No Benefits Upon Discharge for Specially-Defined Cause Specially-Defined Cause
 2.8. Optional Form of Benefit provided
 
    
    Life Annuity
    
    Joint and 50% Survivor Annuity or Joint and 100% Survivor Annuity.
 provided, however
 2.9. Interest
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Part 3. Additional Provisions
 3.1. Beneficiary Designation Procedure
 3.2. Assistance in Purchase of Life Insurance
 3.3. Alienability and Assignment Prohibition
 3.4. Binding Obligation of Bank and any Successor in Interest
 3.5. Amendment
 3.6. General
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3.7. Headings
 3.8. Applicable Law
 3.9. Named Fiduciary and Plan Administrator Named Fiduciary and Plan Administrator
 3.10. Claims Procedure
  3.11. Arbitration
 AAA Arbitrator
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3.12. Non-Competition; Non-Solicitation Employer Employer
 While Employed
 Post-Employment Noncompetition Period
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Competing Business provided, however Termination Date Commercial Loan Customers
 3.13. Entire Agreement
 3.14. Reductions
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3.15. Interpretation e.g
 3.16. Employment
 3.17. Communications
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In Witness Whereof
 Benjamin Franklin BankBy:Witness
    
    
    
    Alfred H. Wahlers/Chairman of the BoardWitness
    
    Thomas R. Venables
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Beneficiary Designation Form
 Primary Designation:
 Name
    
    Relationship
 Contingent Designation:
 Thomas R. Venables
    
    Date
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Exhibit 1.24   Vested Portion
 st Table st st
 Applicable Increase
  December 31
    
    Vested Portion2005
    
    
    20.0
    %2006
    
    
    33.3
    %2007
    
    
    46.6
    %2008
    
    
    59.9
    %2009
    
    
    73.2
    %2010
    
    
    86.5
    %2011
    
    
    99.8
    %2012 and thereafter
    
    
    100.0
    %
 -15-