| A. | Purpose. |
|----|----------|

| C. | Limitations on      Eligibility for Change in Control Severance Benefits or Management      Restructuring Benefits. |
|----|---------------------------------------------------------------------------------------------------------------------|

|   | (1) | No      employee shall be eligible for a Change in Control Severance Benefit if      (a) his or her employment is terminated for “Cause,” (b) he or she is      offered a Comparable Position and declines to accept such position, or (c)      the employee is, at the time of termination of employment, a party to an      individual employment agreement or change in control agreement with the      Bank and/or Sugar Creek Financial Corp. (the  “Company”). |
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|   | (2) | For      purposes of this Plan, a termination of employment for “Cause” shall      include termination because of the employee's personal dishonesty,      incompetence, willful misconduct, breach of fiduciary duty involving      personal profit, intentional failure to perform stated duties, willful      violation of any law, rule, or regulation (other than traffic violations      or similar offenses) or final cease-and-desist order, or material breach      of any provision of the Plan. |
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|   | (3) | For      purposes of this Plan, a “Comparable Position” shall mean a position that      would (a) provide the employee with base compensation and benefits      that are comparable in the aggregate to those provided to the employee      prior to the Change in Control; (b) provide the employee with an      opportunity for variable bonus compensation that is comparable to the      opportunity provided to the employee prior to the Change in Control; (c)      be in a location that would not require the employee to increase his or      her daily one way commuting distance by more than thirty-five (35) miles      as compared to the employee’s commuting distance immediately prior to the      Change in Control; and (d) have job skill requirements and duties that are      comparable to the requirements and duties of the position held by the      employee prior to the Change inControl. |
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|   | (1) | Merger:  The      Company merges into or consolidates with another corporation, or merges      another corporation into the Company, and as a result, less than a      majority of the combined voting power of the resulting corporation      immediately after the merger or consolidation is held by persons who were      stockholders of the Company immediately before the merger or      consolidation. |
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|   | (2) | Acquisition of      Significant Share Ownership:   A report on Schedule      13D or another form or schedule (other than Schedule 13G) is filed or      required to be filed under Sections 13(d) or 14(d) of the Securities      Exchange Act of 1934, if the schedule discloses that the filing person or      persons acting in concert has or have become the beneficial owner(s) of      25% or more of a class of the Company’s voting securities, but this clause      (2) shall not apply to beneficial ownership of Company voting shares held      in a fiduciary capacity by an entity of which the Company directly or      indirectly beneficially owns 50% or more of its outstanding voting      securities. |
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|   | (3) | Change in Board      Composition:  During any period of two consecutive years,      individuals who constitute the Company’s Board of Directors at the      beginning of the two-year period cease for any reason to constitute at      least a majority of the Company’s Board of Directors; provided, however,      that for purposes of this clause (3), each director who is first elected      by the board (or first nominated by the board for election by the      stockholders) by a vote of at least two-thirds (2⁄3) of the directors who      were directors at the beginning of the two-year period shall be deemed to      have also been a director at the beginning of such period;    or |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | Sale of      Assets:  The Company or the Bank sells to a third party      all or substantially all of itsassets. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------|

|   | (1) | The      Change in Control Severance Benefit payable to an eligible employee under      this Plan shall be determined under the following  schedule: |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (a) | An      eligible employee who does not receive a benefit pursuant to paragraph (b)      of this Section shall receive a Change in Control Severance Benefit equal      to the product of (i) the employee’s years of service from his or her hire      date (including partial years) through the termination date and (ii) an      amount equal to two (2) weeks of the employee’s Base Compensation (as      defined below).  A “year of service” shall mean each 12-month      period of service following an employee’s hire date determined without      regard the number of hours worked during such period(s).  The      minimum payment to an eligible employee under this paragraph shall be an      amount equal to two (2) weeks of Base Compensation and the maximum payment      to an eligible employee shall be an amount equal to six (6) months of Base      Compensation. |
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|   | (b) | An      eligible employee-officer designated by the Board of Directors prior to a      Change in Control shall receive a Change in Control Severance Benefit      equal to twelve (12) months of Base  Compensation. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | The      Change in Control Severance Benefit shall be paid in a lump sum not later      than five (5) business days after the date of the employee’s termination      of employment. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | For      purpose of determinations under this paragraph E, “Base Compensation”      shall mean: |
|--------|-----|-------------------------------------------------------------------------------------------------------------|

|   | (a) | For      salaried employees, the employee’s annual base salary at the rate in      effect on his or her termination date or, if greater, the rate in effect      on the date immediately preceding the Change in  Control. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | For      employees whose compensation is determined in whole or in part on the      basis of commission income, the employee’s base salary at termination (or,      if greater, the employee’s base salary on the date immediately preceding      the effective date of the Change in Control), if any, plus the commissions      earned by the employee in the twelve (12) full calendar months preceding      his or her termination date (or, if greater, the commissions earned in the      twelve (12) full calendar months immediately preceding the effective date      of the Change in Control). |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | For      hourly employees, the employee’s total hourly wages for the twelve (12)      full calendar months preceding his or her termination date or, if greater,      the twelve (12) full calendar months preceding the effective date of the      Change in Control. |
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|   | (1) | In      the event any of the provisions of this Section O are in conflict with the      terms of this Plan, this Section O shall  prevail. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | The      Bank’s Board of Directors may terminate an employee’s employment at any      time, but any termination by the Bank, other than termination for Cause,      shall not prejudice an employee’s right to compensation or other benefits      under this Plan.  An employee shall not have the right to      receive compensation or other benefits for any period after Termination      for Cause. |
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|   | (3) | If      an employee is suspended from office and/or temporarily prohibited from      participating in the conduct of the Bank’s affairs by a notice served      under Section 8(e)(3) or 8(g)(1) of the Federal Deposit Insurance Act, 12      U.S.C. §1818(e)(3) or (g)(1); the Bank’s obligations under this Plan shall      be suspended as of the date of service, unless stayed by appropriate      proceedings.  If the charges in the notice are dismissed, the      Bank may in its discretion:  (i) pay the employee all or part of      the compensation withheld while their contract obligations were suspended;      and (ii) reinstate (in whole or in part) any of the obligations which were      suspended. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | If      an employee is removed and/or permanently prohibited from participating in      the conduct of the Bank’s affairs by an order issued under Section 8(e)(4)      or 8(g)(1) of the Federal Deposit Insurance Act, 12 U.S.C. §1818(e)(4) or      (g)(1), all obligations of the Bank under this Plan shall terminate as of      the effective date of the order, but vested rights of the contracting      parties shall not be affected. |
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|   | (5) | If      the Bank is in default as defined in Section 3(x)(1) of the Federal      Deposit Insurance Act, 12 U.S.C. §1813(x)(1) all obligations under this      Plan shall terminate as of the date of default, but this paragraph shall      not affect any vested rights of the contracting  parties. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (6) | All      obligations under this Plan shall be terminated, except to the extent      determined that continuation of the Plan is necessary for the continued      operation of the Bank:  (i) by the Director of the Office of      Thrift Supervision (OTS), or his designee, at the time the Federal Deposit      Insurance Corporation (FDIC) enters into an agreement to provide      assistance to or on behalf of the Bank under the authority contained in      Section 13(c) of the Federal Deposit Insurance Act, 12 U.S.C. §1823(c); or      (ii) by the Director of the OTS (or his designee) at the time the Director      (or his designee) approves a supervisory merger to resolve problems      related to the operations of the Bank or when the Bank is determined by      the Director to be in an unsafe or unsound condition.  Any      rights of the parties that have already vested, however, shall not be      affected by such action. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (7) | Any      payments made to employees pursuant to this Plan, or otherwise, are      subject to and conditioned upon their compliance with 12 U.S.C. §1828(k)      and FDIC regulation 12 C.F.R. Part 359, Golden Parachute and      Indemnification Payments. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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|          |                 |   | TEMPO      BANK |
|---------------|----------------------|--------|-----------------|
|          |                 |   |            |   |
|          |                 |   |            |   |
| Attest:  | /s/ Phyllis J. Brown |   | By:             | /s/ Robert J. Stroh, Jr. |
|          |                 |   |            | Robert      J. Stroh, Jr. |
|          |                 |   |            | For      the Entire Board ofDirectors |

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