|   | a. | The      term of this Agreement shall include: (i) the initial term, consisting of      the period commencing on the original date of this Agreement (the      “Effective Date”) and ending on the third anniversary of the Effective      Date, plus (ii) any and all extensions of the initial term made pursuant      to this Section 3 (upon execution of this amended and restated Agreement,      the term of the Agreement will extend through April 13, 2011, subject to      further extensions made pursuant to this Section  3). |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | b. | Commencing      on the first anniversary of the Effective Date and continuing on each      anniversary of the Effective Date thereafter, the disinterested members of      the Board may extend the Agreement term for an additional year, so that      the remaining term of the Agreement again becomes thirty-six (36) months,      unless Executive elects not to extend the term of this Agreement by giving      written notice in accordance with Section 18 of this      Agreement.  The Board will review the Agreement and Executive’s      performance annually for purposes of determining whether to extend the      Agreement term and will include the rationale and results of its review in      the minutes of its meeting.  The Board will notify Executive as      soon as possible after its annual review whether it has determined to      extend the Agreement. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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|   | a. | For      his services as President and Chief Operating Officer, the Company agrees      to pay Executive an annual base salary at the rate of $97,850 per year,      payable in accordance with customary payroll  practices. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | b. | During      the term of this Agreement, the Board will review the level of Executive’s      base salary at least annually, based upon factors deemed relevant, in      order to determine Executive’s base salary through the remaining term of      the Agreement. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | a. | Executive      may take vacations and other leave in accordance with applicable policy      for senior executives, or otherwise as approved by the    Board. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | b. | In      addition to paid vacations and other leave, the Board may grant Executive      a leave or leaves of absence, with or without pay, at such time or times      and upon such terms and conditions as the Board, in its discretion, may      determine. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | a. | During      the term of this Agreement, Executive will devote all his business time,      attention, skill, and efforts to the faithful performance of his duties      under this Agreement; provided, however, that from time to time, Executive      may serve on the boards of directors of, and hold any other offices or      positions in, companies or organizations that will not present any      conflict of interest with the Company or any of its subsidiaries or      affiliates, unfavorably affect the performance of Executive’s duties      pursuant to this Agreement, or violate any applicable statute or      regulation.  Executive will not engage in any business or      activity contrary to the business affairs or interests of the Company or      any of its subsidiaries oraffiliates. |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | b. | Nothing      contained in this Agreement will prevent or limit Executive’s right to      invest in the capital stock or other securities or interests of any      business dissimilar from that of the Company, or, solely as a passive,      minority investor, in any business. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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|   | c. | Executive      agrees to maintain the confidentiality of any and all information      concerning the operations or financial status of the Company and its      affiliates; the names or addresses of any borrowers, depositors and other      customers; any information concerning or obtained from such customers; and      any other information concerning the Company or its affiliates to which he      may be exposed during the course of his employment.  Executive      further agrees that, unless required by law or specifically permitted by      the Board in writing, he will not disclose to any person or entity, either      during or subsequent to his employment, any of the above-mentioned      information which is not generally known to the public, nor will he use      the information in any way other than for the benefit of the Company or      its affiliates. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | a. | Death.  Executive’s      employment under this Agreement will terminate upon his death during the      term of this Agreement, in which event Executive’s estate will receive the      compensation due to Executive through the last day of the calendar month      in which his death occurred. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | b. | Retirement.  This      Agreement will terminate upon Executive’s retirement under the retirement      benefit plan or plans in which he participates pursuant to Section 6 of      this Agreement or otherwise. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | i. | The      Board or Executive may terminate Executive’s employment after having      determined Executive has a Disability.  For purposes of this      Agreement, “Disability” means a physical or mental infirmity that impairs      Executive’s ability to substantially perform his duties under this      Agreement and results in Executive becoming eligible for long-term      disability benefits under any long-term disability plans of the Company or      the Bank (or, if no such plans exist, that impairs Executive’s ability to      substantially perform his duties under this Agreement for a period of one      hundred eighty (180) consecutive days).  The Board will      determine whether or not Executive is and continues to be permanently      disabled for purposes of this Agreement in good faith, based upon      competent medical advice and other factors that the Board reasonably      believes to be relevant.  As a condition to any benefits, the      Board may require Executive to submit to physical or mental evaluations      and tests as the Board or its medical experts deem reasonably      appropriate. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | ii. | In      the event of his Disability, Executive will no longer be obligated to      perform services under this Agreement.  The Company will pay      Executive, as Disability pay, an amount equal to one hundred percent      (100%) of Executive’s rate of base salary in effect as of the date of his      termination of employment due to Disability. The Company will make      Disability payments on a monthly basis commencing on the first day of the      month following the effective date of Executive’s termination of      employment due to Disability and ending on the earlier of: (A) the date he      returns to full-time employment in the same capacity as he was employed      prior to his termination for Disability; (B) his death; (C) his attainment      of age 65 or (D) the date this Agreement would have expired had      Executive’s employment not terminated by reason of Disability. The Company      will reduce Disability payments by the amount of any short- or long-term      disability benefits payable to Executive under any other disability      programs sponsored by the Company.  In addition, during any      period of Executive’s Disability, the Company will continue to provide      Executive and his dependents, to the greatest extent possible, with      continued coverage under all benefit plans (including, without limitation,      retirement plans and medical, dental and life insurance plans) in which      Executive and/or his dependents participated prior to his Disability on      the same terms as if he remained actively employed by the      Company. |
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|   | i. | The      Board may, by written notice to Executive in the form and manner specified      in this paragraph, immediately terminate his employment at any time for      “Cause.”  Executive shall have no right to receive compensation      or other benefits for any period after termination for Cause, except for      already vested benefits.  Termination for Cause shall mean      termination because of, in the good faith determination of the Board,      Executive’s: |
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|   | (1) | Personal      dishonesty; |
|--------|-----|---------------------------|

|   | (2) | Incompetence; |
|--------|-----|---------------|

|   | (3) | Willful      misconduct; |
|--------|-----|--------------------------|

|   | (4) | Breach      of fiduciary duty involving personalprofit; |
|--------|-----|---------------------------------------------------------|

|   | (5) | Intentional      failure to perform stated duties; |
|--------|-----|----------------------------------------------------|

|   | (6) | Willful      violation of any law, rule or regulation (other than traffic violations or      similar offenses) or final cease-and-desist order;  or |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (7) | Material      breach of any provision of thisAgreement. |
|--------|-----|---------------------------------------------------------|

|   | ii. | Notwithstanding      the foregoing, Executive’s termination for Cause will not become effective      unless the Company has delivered to Executive a copy of a resolution duly      adopted by the affirmative vote of a majority of the entire membership of      the Board, at a meeting of the Board called and held for the purpose of      finding that, in the good faith opinion of the Board (after reasonable      notice to Executive and an opportunity for Executive to be heard before      the Board with counsel), Executive engaged in the conduct described above      and specifying the particulars of thisconduct. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | e. | Voluntary Termination      by Executive.  In addition to his other rights to      terminate under this Agreement, Executive may voluntarily terminate      employment during the term of this Agreement upon at least sixty (60) days      prior written notice to the Board. Upon Executive’s voluntary termination,      he will receive only his compensation and vested rights and benefits      through the date of his termination.  Following his voluntary      termination of employment under this Section 10(e), Executive will be      subject to the restrictions set forth in Section 10(g) of this Agreement      for a period of one (1) year from his termination  date. |
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|   | f. | Without Cause or With      Good Reason. |
|--------|----|-----------------------------------------|

|   | i. | In      addition to termination pursuant to Sections 10(a) through 10(e), the      Board may, by written notice to Executive, immediately terminate his      employment at any time for a reason other than Cause (a termination      “Without Cause”) and Executive may, by written notice to the Board,      terminate his employment under this Agreement for “Good Reason,” as      defined below (a termination “With Good  Reason”). |
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|   | ii. | Subject      to Section 11 of this Agreement, in the event of termination under this      Section 10(f), Executive will receive his base salary as of his      termination date for the remaining term of the Agreement, with such amount      paid in one lump sum within ten (10) calendar days of his      termination.  Executive will also continue to participate in any      benefit plans of the Company or the Bank that provide medical, dental and      life insurance coverage for the remaining term of the Agreement, under      terms and conditions no less favorable than the most favorable terms and      conditions provided to senior executives during the same      period.  If the Company or the Bank cannot provide such coverage      because Executive is no longer an employee, the Company or the Bank will      provide Executive with comparable coverage on an individual policy basis      or the cash equivalent. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | iii. | For      the purposes of this Agreement, “Good Reason” shall mean the occurrence of      any of the following events without the Employee’s  consent: |
|--------|------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | The      assignment to Executive of duties that constitute a material diminution of      his authority, duties, or responsibilities (including reporting      requirements); |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | A      material diminution in Executive’s BaseSalary; |
|--------|-----|-------------------------------------------------------------|

|   | (3) | Relocation      of Executive to a location outside a radius of 35 miles of the Company’s      Trenton, Illinois office; or |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | Any      other action or inaction by the Company that constitutes a material breach      of this Agreement; |
|--------|-----|-------------------------------------------------------------------------------------------------------------|

|   | g. | Continuing Covenant      Not to Compete or Interfere with      Relationships.  Regardless of anything herein to the      contrary, following a termination by the Company or Executive pursuant to      Section 10(e) or 10(f): |
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|   | i. | Executive’s      obligations under Section 9(c) of this Agreement will continue in effect;      and |
|--------|----|-----------------------------------------------------------------------------------------------------------|

|   | ii. | During      the period ending on the first anniversary of such termination, Executive      will not serve as an officer, director or employee of any bank holding      company, bank, savings association, savings and loan holding company,      mortgage company or other financial institution that offers products or      services competing with those offered by the Company, the Bank or their      affiliates from any office within thirty-five (35) miles from the main      office or any branch of the Company, the Bank or their affiliates and,      further, Executive will not interfere with the relationship of the      Company, the Bank or their affiliates and any of their employees, agents,      or representatives. |
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|   | h. | To      the extent Executive is a member of the Board on the date of termination      of employment, Executive will resign from the Board immediately following      such termination of employment. Executive will be obligated to tender this      resignation regardless of the method or manner of termination, and such      resignation will not be conditioned upon any event or    payment. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | a. | For      purposes of this Agreement, a “Change in Control” means any of the      following events: |
|--------|----|----------------------------------------------------------------------------------------------------------------|

|   | i. | Merger: The      Company merges into or consolidates with another entity, 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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|   | ii. | Acquisition of      Significant Share Ownership:  There is filed, or is      required to be filed, a report on Schedule 13D or another form or schedule      (other than Schedule 13G) required under Sections 13(d) or 14(d) of the      Securities Exchange Act of 1934, as amended, if the schedule discloses      that the filing person or persons acting in concert has or have become the      beneficial owner of 25% or more of a class of the Company’s voting      securities, but this clause (ii) 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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|   | iii. | 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 (iii), each director who is first elected      by the board (or first nominated by the board for election by the members)      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 |
|--------|------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | iv. | Sale of      Assets:  The Company sells to a third party all or      substantially all of its assets. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------|

|   | Notwithstanding      anything in this Agreement to the contrary, in no event shall the      conversion of the Bank’s mutual holding company parent, Sugar Creek MHC,      from mutual to stock form, i.e., a “second step conversion,” constitute a      “Change in Control” for purposes of this  Agreement. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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|   | b. | Termination.  If      within the period ending one year after a Change in Control, (i) the      Company terminates Executive’s employment without Cause, or (ii) Executive      voluntarily terminates his employment With Good Reason, the Company will,      within ten calendar days of the termination of Executive’s employment,      make a lump-sum cash payment to him equal to three times Executive’s      average taxable compensation (as reported on Form W-2) over the five (5)      most recently completed calendar years (or years of employment, annualized      for partial years of employment, if less than five), ending with the year      immediately preceding the effective date of the Change in Control. The      cash payment made under this Section 11(b) shall be made in lieu of any      payment also required under Section 10(f) of this Agreement because of      Executive’s termination of employment; however, Executive’s rights under      Section 10(f) are not otherwise affected by this Section 11. Following      termination of employment, executive will also continue to participate in      any benefit plans of the Company or the Bank that provide medical, dental      and life insurance coverage upon terms no less favorable than the most      favorable terms provided to senior executives.  If the Company      cannot provide such coverage because Executive is no longer an employee,      the Company will provide Executive with comparable coverage on an      individual basis or the cash equivalent.  The medical, dental      and life insurance coverage provided under this Section 11(b) shall cease      upon the earlier of:  (i) Executive’s death; (ii) Executive’s      employment by another employer other than one of which he is the majority      owner; or (iii) thirty-six (36) months after his termination of      employment. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | c. | The      provisions of Section 11 and Sections 13 through 25, including the defined      terms used in such sections, shall continue in effect until the later of      the expiration of this Agreement or one year following a Change in      Control. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | a. | Indemnification.  The      Company agrees to indemnify Executive (and his heirs, executors, and      administrators), and to advance expenses related to this indemnification,      to the fullest extent permitted under applicable law and regulations      against any and all expenses and liabilities that Executive reasonably      incurs in connection with or arising out of any action, suit, or      proceeding in which he may be involved by reason of his service as an      officer or director of the Company or any of its subsidiaries or      affiliates (whether or not he continues to be an officer or director at      the time of incurring any such expenses or      liabilities).  Covered expenses and liabilities include, but are      not limited to, judgments, court costs, and attorneys’ fees and the costs      of reasonable settlements, subject to Board approval, if the action is      brought against Executive in his capacity as an officer or director of the      Company or any of its subsidiaries or affiliates. Indemnification for      expenses will not extend to matters related to Executive’s termination for      Cause.  Notwithstanding anything in this Section 12(a) to the      contrary, the Company will not be required to provide indemnification      prohibited by applicable law or regulation.  The obligations of      this Section 12 will survive the term of this Agreement by a period of six      (6) years. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | b. | Insurance.  During      the period for which the Company must indemnify Executive, the Company      will provide Executive (and his heirs, executors, and administrators) with      coverage under a directors’ and officers’ liability policy, at the      Company’s expense, that is at least equivalent to the coverage provided to      directors and senior executives of theCompany. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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|   | a. | This      Agreement shall inure to the benefit of and be binding upon any corporate      or other successor of the Company which shall acquire, directly or      indirectly, by merger, consolidation, purchase or otherwise, all or      substantially all of the assets or stock of the  Company. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | b. | Since      the Company is contracting for the unique and personal skills of      Executive, Executive shall not assign or delegate his rights or duties      under this Agreement without first obtaining the written consent of the      Company. |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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|   | a. | This      Agreement is intended to comply with the requirements of Section 409A of      the Code, and specifically, with the “short-term deferral exception” under      Treasury Regulation Section 1.409A-1(b)(4) and the “separation pay      exception” under Treasury Regulation Section 1.409A-1(b)(9)(iii), and      shall in all respects be administered in accordance with Section 409A of      the Code.  If any payment or benefit hereunder cannot be      provided or made at the time specified herein without incurring sanctions      on Executive under Section 409A of the Code, then such payment or benefit      shall be provided in full at the earliest time thereafter when such      sanctions will not be imposed.  For purposes of Section 409A of      the Code, all payments to be made upon a termination of employment under      this Agreement may only be made upon a “separation from service” (within      the meaning of such term under Section 409A of the Code), each payment      made under this Agreement shall be treated as a separate payment, the      right to a series of installment payments under this Agreement (if any) is      to be treated as a right to a series of separate payments, and if a      payment is not made by the designated payment date under this Agreement,      the payment shall be made by December 31 of the calendar year in which the      designated date occurs.  To the extent that any payment provided      for hereunder would be subject to additional tax under Section 409A of the      Code, or would cause the administration of this Agreement to fail to      satisfy the requirements of Section 409A of the Code, such provision shall      be deemed null and void to the extent permitted by applicable law, and any      such amount shall be payable in accordance with b. below.  In no      event shall Executive, directly or indirectly, designate the calendar year      of payment. |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | b. | Notwithstanding      anything herein to the contrary, if Executive is a “specified employee”      (within the meaning of Section 409A of the Code) and it is necessary to      postpone the commencement of any payments or benefits otherwise payable      under this Agreement as a result of Executive’ separation from service      with the Company to prevent any accelerated or additional tax under      Section 409A of the Code, then the Company will postpone the commencement      of the payment of any such payments or benefits hereunder (without any      reduction in such payments or benefits ultimately paid or provided to      Executive) that are not otherwise paid with the “short-term deferral      exception” under Treasury Regulations Section 1.409A-1(b)(4) and the      “separation pay exception” under Treasury Regulations Section      1.409A-1(b)(9)(iii), until the first payroll date that occurs after the      date that is six months following Executive’s separation of service with      the Company.  If any payments are postponed due to such      requirements, such postponed amounts will be paid to Executive in a lump      sum on the first payroll date that occurs after the date that is six      months following Executive’s separation of service with the      Company.  If Executive dies during the postponement period prior      to the payment of postponed amount, the amounts withheld on account of      Section 409(A) of the Code shall be paid to the personal representative of      Executive’s estate within sixty (60) days after the date of Executive’s      death. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| ATTEST:              |   | SUGAR      CREEK FINANCIAL CORP. |
|----------------------|--------|----------------------------------|
|                 |   |                             |   |
|                 |   |                             |   |
| /s/ Phyllis J. Brown |   | By:                         | /s/ Robert J. Stroh,      Jr. |
| Witness              |   |                             | For      the Entire Board of Directors |
|                 |   |                             |   |
|                 |   |                             |   |
| WITNESS:             |   | EXECUTIVE                        |
|                 |   |                             |   |
|                 |   |                             |   |
| /s/ Phyllis J. Brown |   | By:                    | /s/ Francis J.    Eversman |
|                 |   |                             | Francis      J.Eversman |

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