----

|   | WALDEN      FEDERAL SAVINGS AND LOAN |
|--------|--------------------------------------|
|   | ASSOCIATION                          |
|   |                                 |   |
|   |                                 |   |
|   | By:                                  |   /s/ Stephen W.      Dederick |
|   |                                 | Stephen      W. Dederick |
|   |                                 | Vice      President and Chief Financial Officer |
|   |                                 |   |
|   | Date:                                |        January 15, 2009 |
|   |                                 |   |

----

| SECTION      1 Introduction                  | 1                                                                               |
|----------------------------------------------|---------------------------------------------------------------------------------|
| Section      1.01                            | Nature of the      Plan.                                                        | 1 |
| Section      1.02                            | Employers and      Affiliates.                                                  | 1 |
| SECTION      2 Definitions                   | 1                                                                               |
| Section      2.01                            | Definitions.                                                                    | 1 |
| SECTION      3 Eligibility and Participation | 8                                                                               |
| Section      3.01                            | Participation.                                                                  | 8 |
| Section      3.02                            | Certain Employees      Ineligible.                                              | 9 |
| Section      3.03                            | Transfer to and from      Eligible Employment.                                  | 9 |
| Section      3.04                            | Participation after      Reemployment.                                          | 10 |
| Section      3.05                            | Participation Not      Guarantee of Employment.                                 | 10 |
| SECTION      4 Contributions                 | 10                                                                              |
| Section      4.01                            | Employer      Contributions.                                                    | 10 |
| Section      4.02                            | Limitations on      Contributions.                                              | 11 |
| Section      4.03                            | Acquisition      Loans.                                                         | 11 |
| Section      4.04                            | Conditions as to      Contributions.                                            | 12 |
| Section      4.05                            | Employee      Contributions.                                                    | 12 |
| Section      4.06                            | Rollover      Contributions.                                                    | 12 |
| Section      4.07                            | Trustee-to-Trustee      Transfers.                                              | 12 |
| SECTION      5 Plan Accounting               | 12                                                                              |
| Section      5.01                            | Accounting for      Allocations.                                                | 12 |
| Section      5.02                            | Maintenance of      Participants’ Company Stock Accounts.                 | 13 |
| Section      5.03                            | Maintenance of      Participants’ Other Investments Accounts.             | 13 |
| Section      5.04                            | Allocation and      Crediting of Employer Contributions.                        | 14 |
| Section      5.05                            | Limitations on      Allocations.                                                | 15 |
| Section      5.06                            | Other      Limitations.                                                         | 17 |
| Section      5.07                            | Limitations as to      Certain Section 1042 Transactions.                       | 17 |
| Section      5.08                            | Allocations Upon      Termination Prior to Satisfaction of Acquisition    Loan. | 18 |
| Section      5.09                            | Dividends.                                                                      | 18 |
| SECTION      6 Vesting and Forfeitures       | 20                                                                              |
| Section      6.01                            | Deferred Vesting in      Accounts.                                              | 20 |
| Section      6.02                            | Immediate Vesting in      Certain Situations.                                   | 20 |
| Section      6.03                            | Treatment of      Forfeitures.                                                  | 21 |
| Section      6.04                            | Accounting for      Forfeitures.                                                | 22 |
| Section      6.05                            | Vesting Upon      Reemployment.                                                 | 22 |
| SECTION      7 Distributions                 | 22                                                                              |
| Section      7.01                            | Distribution of      Benefit Upon a Termination of Employment.                  | 22 |
| Section      7.02                            | Minimum Distribution      Requirements.                                         | 23 |
| Section      7.03                            | Benefits on a      Participant’s Death.                                   | 23 |

----

| Section      7.04                                        | Delay in Benefit      Determination.                                  | 24 |
|----------------------------------------------------------|-----------------------------------------------------------------------|----|
| Section      7.05                                        | Options to Receive and      Sell Company Stock.                       | 24 |
| Section      7.06                                        | Restrictions on      Disposition of Company Stock.                    | 25 |
| Section      7.07                                        | Direct Transfer of      Eligible Plan Distributions.                  | 26 |
| SECTION      8 Voting of Company Stock and Tender Offers | 27                                                                    |
| Section      8.01                                        | Voting of Company      Stock.                                         | 27 |
| Section      8.02                                        | Tender      Offers.                                                   | 28 |
| SECTION      9 The Committee and Plan Administration     | 28                                                                    |
| Section      9.01                                        | Identity of the      Committee.                                       | 28 |
| Section      9.02                                        | Authority of      Committee.                                          | 28 |
| Section      9.03                                        | Duties of      Committee.                                             | 29 |
| Section      9.04                                        | Compliance with ERISA      and the Code.                              | 30 |
| Section      9.05                                        | Action by      Committee.                                             | 30 |
| Section      9.06                                        | Execution of      Documents.                                          | 30 |
| Section      9.07                                        | Adoption of      Rules.                                               | 30 |
| Section      9.08                                        | Responsibilities to      Participants.                                | 30 |
| Section      9.09                                        | Alternative Payees in      Event of Incapacity.                       | 31 |
| Section      9.10                                        | Indemnification by      Employers.                                    | 31 |
| Section      9.11                                        | Abstention by      Interested Member.                                 | 31 |
| Section      9.12                                        | Use of Electronic      Media to Provide Notices and Make Elections.   | 31 |
| SECTION      10 Rules Governing Benefit Claims           | 32                                                                    |
| Section      10.01                                       | Claim for      Benefits.                                              | 32 |
| Section      10.02                                       | Notification by      Committee.                                       | 32 |
| Section      10.03                                       | Claims Review      Procedure.                                         | 32 |
| SECTION      11 The Trust                                | 33                                                                    |
| Section      11.01                                       | Creation of Trust      Fund.                                          | 33 |
| Section      11.02                                       | Company Stock and      Other Investments.                             | 33 |
| Section      11.03                                       | Acquisition of Company      Stock.                                    | 33 |
| Section      11.04                                       | Participants’ Option      to Diversify.                         | 33 |
| SECTION      12 Adoption, Amendment and Termination      | 34                                                                    |
| Section      12.01                                       | Adoption of Plan by      Other Employers.                             | 34 |
| Section      12.02                                       | Adoption of Plan by      Successor.                                   | 34 |
| Section      12.03                                       | Plan Adoption Subject      to Qualification.                          | 34 |
| Section      12.04                                       | Right to Amend or      Terminate.                                     | 35 |
| SECTION      13 General Provisions                       | 35                                                                    |
| Section      13.01                                       | Nonassignability of      Benefits.                                    | 35 |
| Section      13.02                                       | Limit of Employer      Liability.                                     | 36 |
| Section      13.03                                       | Plan      Expenses.                                                   | 36 |
| Section      13.04                                       | Nondiversion of      Assets.                                          | 36 |
| Section      13.05                                       | Separability of      Provisions.                                      | 36 |
| Section      13.06                                       | Service of      Process.                                              | 36 |
| Section      13.07                                       | Governing      Law.                                                   | 36 |
| Section      13.08                                       | Special Rules for      Persons Subject to Section 16(b) Requirements. | 37 |
| Section      13.09                                       | Military      Service.                                                | 37 |
| Section      13.10                                       | Minimum Distribution      Requirements.                               | 37 |

----

| SECTION      14 Top-Heavy Provisions | 41                                               |
|--------------------------------------|--------------------------------------------------|
| Section      14.01                   | Top-Heavy      Provisions.                       | 41 |
| Section      14.02                   | Plan Modifications      Upon Becoming Top-Heavy. | 42 |

----

----

| (a) | “Account” or “Accounts” mean a      Participant’s or Beneficiary’s Company Stock Account and/or his Other      Investments Account, as the context sorequires. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | “Acquisition Loan” means      a loan or other extension of credit, including an installment obligation      to a “party in interest” (as defined in Section 3(14) of ERISA) incurred      by the Trustee in connection with the purchase of Company      Stock. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | “Affiliate” means any      corporation, trade or business, which, at the time of reference, is      together with the Bank, a member of a controlled group of corporations, a      group of trades or businesses (whether or not incorporated) under common      control, or an affiliated service group, as described in Sections 414(b),      414(c), and 414(m) of the Code, respec­tively, or any other      organization treated as a single employer with the Bank under Section      414(o) of the Code; provided, however, that, where the context so      requires, the term “Affiliate” shall be construed to give full effect to      the provisions of Sections 409(l)(4) and 415(h) of the    Code. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | “Bank” means Walden      Federal Savings and Loan Association, and any entity that succeeds to the      business of Walden Federal Savings and Loan Association and adopts this      Plan in accordance with the provisions of Section 12.02 of the Plan, or by      written agreement assumes the obligations of the  Plan. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | “Beneficiary” means the      person(s) entitled to receive benefits under the Plan following a      Participant’s death, pursuant to Section 7.03 of the  Plan. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (f) | “Change in Control”      means any one of the following eventsoccurs: |
|-----|-----------------------------------------------------------------------------------|

|   | (i) | Merger:  The      Bank or the Company merges into or consolidates with another entity, or      merges another entity into the Bank or the Company and, as a result, less      than a majority of the combined voting power of the resulting entity      immediately after the merger or consolidation is held by persons who were      shareholders of the Bank immediately before the merger or      consolidation; |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (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, 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; |
|--------|------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (iii) | Change in Board      Composition:  During any period of two consecutive years,      individuals who constitute the Bank’s or 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 Bank’s or 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      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 |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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

| (g) | “Code” means the      Internal Revenue Code of 1986, asamended. |
|-----|-----------------------------------------------------------------------------|

| (h) | “Committee” means the      individual(s) responsible for the administration of the Plan in accordance      with Section 9 of the Plan. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------|

| (i) | “Company” means Hometown Bancorp,      Inc. and any entity which succeeds to the business of Hometown Bancorp,      Inc. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------|

| (j) | “Company Stock” means      shares of the voting common stock or preferred stock, meeting the      requirements of Section 409 of the Code and Section 407(d)(5) of ERISA,      issued by the Company or itsAffiliates. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (k) | “Company Stock Account”      means the account established and maintained in the name of each      Participant or Beneficiary to reflect his share of the Trust Fund invested      in Company Stock. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (l) | “Compensation” means an      Employee’s wages as reported on Form W-2 for federal tax purposes and paid      during the Plan Year by the Employer.  Compensation shall also      include the amounts of any Employer contributions made pursuant to a      salary reduction agreement entered into by the Participant and not      includible in the gross income of the employee under Sections 125, 132(f),      402(e)(3), 402(h), 403(b), 414(h) or 457 of the      Code.  Compensation shall exclude severance pay and accrued      vacation pay received after a Participant separates from the service of      the Company or an Affiliate.  A Participant’s Compensation shall      not exceed $230,000 (as periodically adjusted pursuant to Section      401(a)(17) of the Code).  If the Plan Year for which a      Participant’s Compensation is measured is less than twelve (12) calendar      months, then the amount of Compensation taken into account for such Plan      Year shall be the adjusted amount for such Plan Year, as prescribed by the      Secretary of the Treasury under Section 401(a)(17) of the Code, multiplied      by a fraction, the numerator of which is the number of months taken into      account for such Plan Year and the denominator of which is twelve      (12).  In |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | determining      the dollar limitation hereunder, Compensation received from an Affiliate      shall be recognized asCompensation. |
|--------|------------------------------------------------------------------------------------------------------------------------------------|

| (m) | “Disability” means a      physical or mental condition of a Participant resulting from bodily      injury, disease, or mental disorder which renders the Participant      incapable of continuing any gainful occupation and which condition      constitutes total disability under the federal Social Security      Act.  The Disability of a Participant shall be determined by the      Plan Administrator, in its solediscretion. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (n) | “Effective Date” means      January 1, 2007. |
|-----|----------------------------------------------------------|

| (o) | “Eligible Employee”      means any Employee who is not precluded from participating in the Plan by      reason of the provisions of Section 3.02 of the  Plan. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (p) | “Employee” means any      person who is actually performing services for the Employer or an      Affiliate in a common-law, employer-employee relationship as determined      under Sections 31.3121(d)-1, 31.3306(i)-1, or 31.3401(c)-1 of the Treasury      Regulations and any “Leased Employee” as defined in Section 3.02(b) of      this Plan. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (q) | “Employer” or “Employers” means the      Bank and any of its Affiliates that adopt the Plan in accordance with the      provisions of Section 12.01 of the Plan, and any entity which succeeds to      the business of the Bank or its Affiliates and which adopts the Plan in      accordance with the provisions of Section 12.02 of the Plan, or by written      agreement assumes the obligations under the  Plan. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (r) | “Entry Date” means the      first day of the month following the date the Employee satisfies the      requirements for participation under Section 3.01 of the    Plan. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (s) | “ERISA” means the      Employee Retirement Income Security Act of 1974, as    amended. |
|-----|----------------------------------------------------------------------------------------------------|

| (t) | “Exchange Act” means the      Securities Exchange Act of 1934, asamended. |
|-----|---------------------------------------------------------------------------------------|

| (u) | “Financed Shares” means      shares of Company Stock acquired by the Trustee with the proceeds of an      Acquisition Loan, which shall constitute “qualifying employer securities”      under Section 409(l) of the Code and any shares of Company Stock received      upon conversion or exchange of suchshares. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (v) | “Highly Compensated Employee”      means an Employee who, for a particular Plan Year, satisfies one of      the following conditions: |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (i) | was      a “5-percent owner” (as defined in Section 414(q)(2) of the Code) during      the year or the preceding year, or |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | for      the preceding year, had “compensation” (as defined in Section 414(q)(4) of      the Code) from the Bank and its Affiliates exceeding the limit in Section      414(q)(1) of the Code ($100,000 for Plan Years beginning January 1,      2007). |
|--------|------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (w) | “Hours of Service”      means: |
|-----|--------------------------------------------|

|   | (i) | Each      hour for which an Employee is paid, or entitled to payment, for performing      duties for the Employer during the applicable computation      period. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | Each      hour for which an Employee is paid, or entitled to payment, for a period      during which no duties are performed (irrespective of whether the      employment relationship has terminated) due to vacation, holiday, illness,      incapacity (including disability), layoff, jury duty, military duty or      leave of absence.  Notwithstanding the preceding sentence, no      credit shall be given to the Employeefor: |
|--------|------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (A) | more      than 501 hours under this clause (ii) because of any single continuous      period in which the Employee performs no duties (whether or not such      period occurs in a single computationperiod); |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | an      hour for which the Employee is directly or indirectly paid, or entitled to      payment, because of a period in which no duties are performed if such      payment is made or due under a plan maintained solely for the purpose of      complying with applicable worker’s or workmen’s compensation,      unemployment, or disability insurance laws;or |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (C) | an      hour or a payment which solely reimburses the Employee for medical or      medically-related expenses incurred by the  Employee. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------|

|   | (iii) | Each      hour for which back pay, irrespective of mitigation of damages, is either      awarded or agreed to by the Employer; provided, however, that hours      credited under either clause (i) or (ii) above shall not also be credited      under this clause (iii).  Crediting of hours for back pay      awarded or agreed to with respect to periods described in clause (ii)      above will be subject to the limitations set forth in that      clause. |
|--------|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (i) | by      reason of pregnancy of theEmployee, |
|--------|-----|---------------------------------------------|

|   | (ii) | by      reason of the birth of a child of theEmployee, |
|--------|------|--------------------------------------------------------|

|   | (iii) | by      reason of the placement of a child with the Employee in connection with      the adoption of such child by such Employee,or |
|--------|-------|-------------------------------------------------------------------------------------------------------------------------------------|

|   | (iv) | for      purposes of caring for such child for a period beginning immediately      following such birth or placement. |
|--------|------|-----------------------------------------------------------------------------------------------------------------------|

| (y) | “Loan Suspense Account”      means that portion of the Trust Fund consisting of Company Stock acquired      with an Acquisition Loan which has not yet been allocated to the      Participants’ Accounts. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (z) | “Normal Retirement Age”      means age 65. |
|-----|--------------------------------------------------------|

| (aa) | “Normal Retirement Date”      means the first day of the month coincident with or next following the      Participant’s attainment of Normal Retirement  Age. |
|------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (bb) | “One Year Break in      Service” means a twelve (12) consecutive month period during which      the Participant does not complete more than 500 Hours of      Service. |
|------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (cc) | “Other Investments      Account” means the account established and maintained in the name      of each Participant or Beneficiary to reflect his share of the Trust Fund,      other than Company Stock. |
|------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (dd) | “Participant” means any      Eligible Employee who has become a Participant in accordance with Section      3.01 of the Plan or any other person with an Account balance under the      Plan. |
|------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (ee) | “Plan” means the Walden      Federal Savings and Loan Association Employee Stock Ownership Plan, as      amended from time to time. |
|------|-------------------------------------------------------------------------------------------------------------------------------------------------|

| (ff) | “Plan Year” means the      calendar year. |
|------|-------------------------------------------------------|

| (gg) | “Qualified Military      Service” means any period of duty on a voluntary or involuntary      basis in the United States Armed Forces, the Army National Guard and Air      National Guard when engaged in active duty for training, inactive duty for      training or full-time National Guard duty, the commissioned corps of the      Public Health Service and anyother |
|------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | category      of persons designated by the President of the United States in time of war      or emergency.  Such periods of duty shall include active duty,      active duty for training, initial active duty for training, inactive duty      training, full-time National Guard duty and absence from employment for an      examination to determine fitness for suchduty. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (hh) | “Recognized Absence”      means a period for which: |
|------|-----------------------------------------------------------------|

|   | (i) | an      Employer grants an Employee a leave of absence for a limited period of      time, but only if an Employer grants such leaves of absence on a      nondiscriminatory basis to all Eligible Employees;  or |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | an      Employee is temporarily laid off by an Employer because of a change in the      business conditions of the Employer;or |
|--------|------|--------------------------------------------------------------------------------------------------------------------------------|

|   | (iii) | an      Employee is on active military duty, but only to the extent that his      employment rights are protected by the Military Selective Service Act of      1967 and the Uniformed Services Employment and Reemployment Rights Act of      1994. |
|--------|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (ii) | “Retirement Date” means      a Participant’s Normal RetirementDate. |
|------|---------------------------------------------------------------------------------------|

| (jj) | “Service” means      employment with the Bank or anAffiliate. |
|------|--------------------------------------------------------------------------------|

| (kk) | “Termination of Service”      means the earlier of (a) the date on which an Employee’s Service is      terminated by reason of his resignation, retirement, discharge, death or      Disability or (b) the first anniversary of the date on which such      Employee’s service is terminated for disability of a short-term nature or      any other reason.  Service in the Armed Forces of the United      States shall not constitute a Termination of Service but shall be      considered to be a period of employment by the Employer provided (i) such      military service is caused by war or other emergency or the Employee is      required to serve under the laws of conscription in time of peace, (ii)      the Employee returns to employment with the Employer within six (6) months      following discharge from such military service and (iii) such Employee is      reemployed by the Employer at a time when the Employee had a right to      reemployment at his former position or substantially similar position upon      separation from such military duty in accordance with seniority rights as      protected under the laws of the United States.  A leave of      absence granted to an Employee by the Employer shall not constitute a      Termination of Service provided that the Participant returns to the active      service of the Employer at the expiration of any such period for which      leave has been granted.  Notwithstanding the foregoing, an      Employee who is absent from service with the Employer beyond the first      anniversary of the first date of his absence for maternity or paternity      reasons set forth in Section 2.01 of the Plan shall incur a Termination of      Service for purposes of the Plan on the second anniversary of the date of      such absence. |
|------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (ll) | “Treasury Regulations”      mean the regulations promulgated by the Department of the Treasury      under the Code. |
|------|---------------------------------------------------------------------------------------------------------------------------------|

----

| (nn) | “Trust Agreement” means      the trust agreement establishing theTrust. |
|------|-------------------------------------------------------------------------------------|

| (oo) | “Trust Fund” means the      assets held in the Trust for the benefit of Participants and their      Beneficiaries. |
|------|--------------------------------------------------------------------------------------------------------------------------------|

| (pp) | “Trustee” means the      trustee or trustees from time to time in office under the Trust      Agreement. |
|------|----------------------------------------------------------------------------------------------------------------------|

| (qq) | “Valuation Date” means      the last day of the Plan Year and each other date as of which the      Committee shall determine the investment experience of the Trust Fund and      adjust Participants’ Accountsaccordingly. |
|------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (rr) | “Valuation Period” means      the period following a Valuation Date and ending with the next Valuation      Date. |
|------|-------------------------------------------------------------------------------------------------------------------------------|

| (ss) | “Year of Service” shall      mean a Plan Year in which an Employee is credited with at least 1,000      Hours of Service. |
|------|---------------------------------------------------------------------------------------------------------------------------------------|

| (a) | All      Eligible Employees who have attained age 21 and are employed by the      Employer as of the close of the Company’s minority stock offering (the      “Offering Date”) shall enter the Plan and become Participants as of the      Effective Date. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | An      Eligible Employee who is first employed by an Employer after the Offering      Date shall become a Participant in the Plan upon satisfying the following      requirements: |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | has      completed one Year of Service. |
|--------|------|-----------------------------------------|

| (c) | An      Eligible Employee who has satisfied the eligibility requirements of      Section 3.01(b) shall enter the Plan and become a Participant on the      earlier of the Effective Date or the Entry Date coincident with or next      following the date he satisfies such  requirements. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (a) | Employees      covered by a collective bargaining agreement between the Employer and the      Employee’s collective bargaining representative  if: |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (i) | retirement      benefits have been the subject of good faith bargaining between the      Employer and the representative,and |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | the      collective bargaining agreement does not expressly provide that Employees      of such unit be covered under thePlan; |
|--------|------|--------------------------------------------------------------------------------------------------------------------------------|

| (b) | “Leased      Employees” who, pursuant to an agreement between the Employer and any      other person, including a leasing organization or temporary agency, have      performed services for the Employer (or for the Employer and related      persons determined in accordance with Section 414(n)(6) of the Code) on a      substantially full-time basis for a period of at least one (1) year, and      such services are performed under the primary direction and control of the      Employer; |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Employees      who are nonresident aliens and who receive no earned income from an      Employer which constitutes income from sources within the United States;      and |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Employees      of an Affiliate of the Bank that has not adopted the Plan pursuant to      Sections 12.01 or 12.02 of thePlan. |
|-----|-------------------------------------------------------------------------------------------------------------------------------|

| (a) | If      an Employee ineligible to participate in the Plan by reason of Section      3.02 of the Plan transfers to employment as an Eligible Employee, he shall      enter the Plan as of the later of: |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | the      first Entry Date on which he could have become a Participant pursuant to      Section 3.01 of the Plan if his prior employment with the Employer or      Affiliate had been as an EligibleEmployee. |
|--------|------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | If      a Participant transfers to an employment position that makes him      ineligible to participate in the Plan as of the date of such transfer, he      shall cease active participation in the Plan as of such date and his      transfer shall be treated for all purposes under the Plan in the same      manner as any other Termination ofService. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (a) | If      an Employee incurs a One Year Break in Service prior to satisfying the      eligibility requirements of Section 3.01 of the Plan, Service prior to      such One Year Break in Service shall be disregarded and the Employee must      satisfy the eligibility requirements of Section 3.01 as a new      Employee. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | If      an Employee incurs a One Year Break in Service after satisfying the      eligibility requirements of Section 3.01 of the Plan and again performs an      Hour of Service, the Employee shall receive credit for Service prior to      his One Year Break in Service and shall be eligible to participate in the      Plan immediately upon reemployment, provided the Employee is not excluded      from participation under the provisions of Section 3.02 of the      Plan. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | Discretionary      Contributions  Each Plan Year, each Employer, in its      discretion, may make a contribution to the Trust.  Each Employer      making a contribution for any Plan Year under this Section 4.01(a) will      contribute to the Trustee cash equal to, or Company Stock or other      property having an aggregate fair market value equal to, such amount as      the Board of Directors of the Employer shall determine by      resolution.  Notwithstanding the Employer’s discretion with      respect to the medium of contribution, an Employer shall not make a      contribution in any medium which would make such contribution a prohibited      transaction (for which no exemption is provided) under Section 406 of      ERISA or Section 4975 of the Code. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Employer      Contributions for Acquisition Loans. Each Plan Year, the Employers      shall, subject to any regulatory prohibitions, contribute an amount of      cash sufficient to enable the Trustee to discharge any indebtedness      incurred with respect to an Acquisition Loan pursuant to the terms of the      Acquisition Loan.  The Employers’ obligation to make      contributions under this Section 4.01(b) shall be reduced to the extent of      any investment earnings attributable to such contributions, any cash      dividends paid with respect to Company Stock held by the Trustee in the      Loan Suspense Account and earnings on said dividends.  If there      is more than one Acquisition Loan, the Employers shall designate the one      to which any contribution pursuant to this Section 4.01(b) is to be      applied. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (a) | The      maximum amount deductible under Section 404 of the Code by that Employer      as an expense for Federal income tax purposes;  and |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | The      maximum amount which can be credited for that Plan Year in accordance with      the allocation limitation provisions of Section 5.05 of the      Plan. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

----

| (a) | First,      charge to each Participant’s Company Stock Account all distributions and      payments made to the Participant that have not been previously      charged; |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Next,      credit to each Participant’s Company Stock Account the shares of Company      Stock, if any, that have been purchased with amounts from the      Participant’s Other Investments Account, and adjust such Other Investments      Account in accordance with the provisions of Section 5.03 of the      Plan; |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Next,      credit to each Participant’s Company Stock Account the shares of Company      Stock representing contributions made by the Employers in the form of      Company Stock and the number of Financed Shares released from the Loan      Suspense Account under Section 4.03 of the Plan that are to be allocated      and credited as of that date in accordance with the provisions of Section      5.04 of the Plan; and |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Finally,      credit to each Participant’s Company Stock Account the shares of Company      Stock released from the Loan Suspense Account that are to be allocated in      accordance with the provisions of Section 5.09 of the  Plan. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | First,      charge to each Participant’s Other Investments Account all distributions      and payments made to the Participant that have not previously been      charged; |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Next,      if Company Stock is purchased with assets from a Participant’s Other      Investments Account, charge the Participant’s Other Investments Account      accordingly; |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Next,      subject to the dividend provisions of Section 5.09 of the Plan, credit to      the Other Investments Account of each Participant any cash dividends paid      to the Trustee on shares of Company Stock held in that Participant’s      Company Stock Account (as of the record date for such cash dividends) and      dividends paid on shares of Company Stock held in the Loan Suspense      Account that have not been used to repay any Acquisition      Loan.  Subject to the provisions of Section 5.09 of the Plan,      cash dividends that have not been used to repay any Acquisition Loan and      have been credited to a Participant’s Other Investments Account shall be      applied by the Trustee to purchase shares of Company Stock, which shares      shall then be credited to the Company Stock Account of such      Participant.  The Participant’s Other Investments Account shall      then be charged by the amount of cash used to purchase such Company      Stock.  In addition, any earningson: |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (i) | Participants’      Other Investments Accounts will be allocated to Accounts, pro rata, based      on Participants’ Other Investments Account balances as of the first day of      the Valuation Period, and |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | the      Loan Suspense Account, other than dividends used to repay the Acquisition      Loan, will be allocated to Participants’ Other Investments Accounts, pro      rata, based on their Other Investments Account balances as of the first      day of the Valuation Period; |
|--------|------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Next,      allocate and credit the Employer contributions made pursuant to Section      4.01(b) of the Plan for the purpose of repaying any Acquisition Loan, in      accordance with Section 5.04 of the Plan.  Such amount shall      then be used to repay any Acquisition Loan and such Participant’s Other      Investments Account shall be charged accordingly;  and |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | Finally,      allocate and credit the Employer contributions (other than amounts      contributed to repay an Acquisition Loan) that are made in cash (or      property other than Company Stock) for the Plan Year to the Other      Investments Account of each Participant in accordance with Section 5.04 of      the Plan. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | Except      as otherwise provided for in Sections 5.08 and 5.09 of the Plan, as of the      Valuation Date for each Plan Year: |
|-----|--------------------------------------------------------------------------------------------------------------------------------|

|   | (i) | Company      Stock released from the Loan Suspense Account for that year and shares of      Company Stock contributed directly to the Plan shall be allocated and      credited to each Active Participant’s (as defined in paragraph (b) of this      Section 5.04) Company Stock Account based on the ratio that each Active      Participant’s Compensation for the Plan Year bears to the aggregate      Compensation of all Active Participants for the Plan Year, and      then |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | The      cash contributions not used to repay an Acquisition Loan and any other      property contributed for that year shall be allocated and credited to each      Active Participant’s Other Investments Account based on the ratio      determined by comparing each Active Participant’s Compensation for the      Plan Year to the aggregate Compensation of all Active Participants for the      Plan Year. |
|--------|------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | For      purposes of this Section 5.04, the term “Active Participant” means those      Eligible Employees who: |
|-----|----------------------------------------------------------------------------------------------------------------------------|

|   | (i) | are      employed on the last day of the Plan Year and have completed 1,000 Hours      of Service during the Plan Year; or |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | terminated      employment during the Plan Year by reason of death, Disability, or      attainment of their Normal RetirementDate. |
|--------|------|------------------------------------------------------------------------------------------------------------------------------------|

----

| (a) | In      General.  Subject to the provisions of this Section 5.05,      Section 415 of the Code shall be incorporated by reference into the terms      of the Plan.  No allocation shall be made under Section 5.04 of      the Plan that would result in a violation of Section 415 of the      Code. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Code      Section 415 Compensation.  For purposes of this Section      5.05, Compensation shall be adjusted to reflect the general rule of      Section 1.415-2(d) of the TreasuryRegulations. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Salary      Continuation Payments for Qualified Military Service. Effective January 1,      2009, 415 Compensation  shall include      payments to an individual who does not currently perform services for the      Employer by reason of Qualified Military Service (as defined in Code      Section 414(u)(1)), to the extent that those payments do not exceed the      amounts the individual would have received if the individual had continued      to perform services for the Employer rather than entering Qualified      Military Service. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (c) | Limitation      Year.  The “limitation year” (within the meaning of      Section 415 of the Code) shall be the calendar  year. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Multiple      Defined Contribution Plans.  In any case where a      Participant also participates in another defined contribution plan of the      Bank or its Affiliates, the appropriate committee of such other plan shall      first reduce the after-tax contributions under any such plan, shall then      reduce any elective deferrals under any such plan subject to Section      401(k) of the Code, shall then reduce all other contributions under any      other such plan and, if necessary, shall then reduce contributions under      this Plan. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | Excess      Allocations.  If, after applying the allocation      provisions under Section 5.04 of the Plan, allocations under Section 5.04      of the Plan would otherwise result in a violation of Section 415 of the      Code, the Committee shall allocate and reallocate Employer contributions      to other Participants in the Plan for the limitation year or, if such      allocation and reallocation causes the limitations of Section 415 of the      Code to be exceeded, shall hold excess amounts in an unallocated suspense      account for allocation in a subsequent Plan Year in accordance with      Section 1.415-6(b)(6)(i) of the Treasury Regulations.  Such      suspense account, if permitted, will be credited before any allocation of      contributions for subsequent limitation years.  Notwithstanding      the foregoing, effective for limitation years beginning on and after July      1, 2007, if allocations and reallocations of Employer contributions to      Participants in the Plan causes the limitations of Section 415 of the Code      to be exceeded, such excess amounts shall be corrected in accordance with      the Employee Plans Compliance Resolution System (EPCRS) set forth in      Revenue Procedure 2008-50 or any superseding  guidance. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (f) | Allocations      Pursuant to Section 5.08.  For purposes of this Section      5.05, no amount credited to any Participant’s Account pursuant to Section      5.08 of the Plan shall be counted as an “annual addition” for purposes of      Section 415 of the Code.  In the event any amount cannot be      allocated to Affected Participants (as defined in Section 5.08 of the      Plan) under the Plan pursuant to Section 5.08 of the Plan in the year of a      Change in Control, the amount which may not be so allocated in the year of      the Change in Control shall be treated in accordance with paragraph (e) of      this Section 5.05.  Notwithstanding the foregoing, “annual      additions” for purposes of this Plan shall be determined in accordance      with Treasury Regulation Sections 1.415(c)-1.  Moreover, for      limitation years beginning on and after July 1, 2007, in the event Company      Stock is released from the Loan Suspense Account and allocated to a      Participant’s Account for a particularPlan |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | Year,      the Employer may determine for such year that an annual addition shall be      calculated on the basis of the fair market value of the Company Stock so      released and allocated (such fair market value to be based on the value as      of the last Valuation Date of the Plan Year for which the Stock is      released) if the annual addition, as so calculated, is lower than the      annual addition calculated on the basis of the Employer      contribution. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (g) | Restorative      Payments.  For limitation years beginning on and after      July 1, 2007, annual additions to the Participant’s Account shall not      include a restorative payment in accordance with Treasury Regulation      Section 1.415(c)-1(b)(2)(C) that is made to restore losses to the Plan      resulting from actions by a fiduciary for which there is a reasonable risk      of liability for breach of fiduciary duty under ERISA or other applicable      federal and state law. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | the      selling shareholder; |
|-----|-------------------------------|

| (b) | the      spouse, brothers or sisters (whether by the whole or half blood),      ancestors or lineal descendants of the selling shareholder or descendant      referred to in (a) above; or |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | any      other person who owns, after application of Section 318(a) of the Code,      more than twenty-five percent (25%)of: |
|-----|------------------------------------------------------------------------------------------------------------------------------|

----

|   | (ii) | the      total value of any class of outstanding stock of the Company or any      Affiliate. |
|--------|------|----------------------------------------------------------------------------------------------|

| (a) | Notwithstanding      any other provision of the Plan, in the event of a Change in Control, the      Plan shall terminate as of the effective date of the Change in Control      and, as soon as practicable thereafter, the Trustee shall repay in full      any outstanding Acquisition Loan.  In connection with such      repayment, the Trustee shall:  (i) apply cash, if any, received      by the Plan in connection with the transaction constituting a Change in      Control, with respect to the unallocated shares of Company Stock acquired      with the proceeds of the Acquisition Loan, and (ii) to the extent      additionally required to effect the repayment of the Acquisition Loan,      obtain cash through the sale of any stock or security received by the Plan      in connection with such transaction, with respect to such unallocated      shares of Company Stock.  After repayment of the Acquisition      Loan, all remaining shares of Company Stock held in the Loan Suspense      Account, all other stock or securities, and any cash proceeds from the      sale or other disposition of any shares of Company Stock held in the Loan      Suspense Account, shall be allocated among the Accounts of all      Participants who were employed by an Employer on the date immediately      preceding the effective date of the Change in Control.  Such      allocations of shares or cash proceeds shall be credited as earnings for      purposes of Section 5.05 of the Plan and Section 415 of the Code, as of      the effective date of the Change in Control, to the Account of each      Participant who is either in active Service with an Employer, or is on a      Recognized Absence, on the date immediately preceding the effective date      of the Change of Control (each an “Affected Participant”), in proportion      to the opening balances in their Company Stock Accounts as of the first      day of the current Valuation Period.  As of the effective date      of a Change in Control, all Participant Accounts shall be fully vested and      nonforfeitable. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | In      the event of a termination of the Plan in connection with a Change in      Control, this Section 5.08 shall have no force and effect unless the price      paid for the Company Stock in connection with a Change in Control is      greater than the average basis of the unallocated Company Stock held in      the Loan Suspense Account as of the date of the Change in      Control. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | Stock      Dividends.  Dividends on Company Stock which are received      by the Trustee in the form of additional Company Stock shall be retained      in the portion of the Trust Fund consisting of Company Stock, and shall be      allocated among the Participants’ Accounts and the Loan Suspense Account      in accordance with their holdings of the Company Stock on which the      dividends have been paid. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (b) | Cash      Dividends on Allocated Shares.  Dividends on Company      Stock credited to Participants’ Accounts which are received by the Trustee      in the form of cash shall, at the direction of the Company,      either: |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (i) | be      credited to Participants’ Accounts in accordance with Section 5.03 of the      Plan and invested as part of the TrustFund; |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | be      distributed immediately to theParticipants; |
|--------|------|-----------------------------------------------------|

|   | (iii) | be      distributed to the Participants within ninety (90) days of the close of      the Plan Year in which paid; or |
|--------|-------|----------------------------------------------------------------------------------------------------------------------|

|   | (iv) | be      used to repay principal and interest on the Acquisition Loan used to      acquire Company Stock on which the dividends were  paid. |
|--------|------|--------------------------------------------------------------------------------------------------------------------------------------------|

|   | (i) | paid      to the Plan, reinvested in Company Stock and credited to the Participant’s      Account; |
|--------|-----|----------------------------------------------------------------------------------------------------------|

|   | (ii) | distributed      in cash to the Participant; or |
|--------|------|-------------------------------------------------|

|   | (iii) | distributed      to the Participant within ninety (90) days of the close of the Plan Year      in which paid. |
|--------|-------|---------------------------------------------------------------------------------------------------------------|

| (c) | Cash      Dividends on Unallocated Shares. Dividends on Company Stock held in      the Loan Suspense Account received by the Trustee in the form of cash      shall be applied as soon as practicable to payments of principal and      interest under the Acquisition Loan incurred with the purchase of Company      Stock. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Financed      Shares.  Financed Shares released from the Loan Suspense      Account by reason of dividends paid with respect to Company Stock shall be      allocated under Sections 5.03 and 5.04 of the Plan as    follows: |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (ii) | Next,      any remaining Financed Shares released from the Loan Suspense Account by      reason of dividends paid with respect to Company Stock held in the Loan      Suspense Account shall be allocated among and credited to the Accounts of      all Participants, pro rata, according to each Participant’s      Compensation. |
|--------|------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | A      Participant shall vest in his Accounts in accordance with the following      schedule: |
|-----|-----------------------------------------------------------------------------------------------|

| Years of      Service  | Vested      Percentage |
|------------------------|------------------------|
|                   |                   |
| Less      than 2 years |   0%         |
| 2                      |  20%              |
| 3                      |  40%              |
| 4                      |  60%              |
| 5                      |  80%              |
| 6      or more years   | 100%                   |

| (b) | For      purposes of determining a Participant’s Years of Service under this      Section 6.01, a Participant must be credited employment with the Bank or      an Affiliate shall be deemed employment with the Employer.  For      purposes of determining a Participant’s vested percentage in his Accounts,      all Years of Service shall be included, beginning with the Employee’s      initial service with the Employer. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | Notwithstanding      Section 6.01(a) of the Plan, a Participant shall become fully vested in      his Accounts upon the earlier of: |
|-----|-------------------------------------------------------------------------------------------------------------------------------------|

|   | (i) | termination      of the Plan or upon the permanent and complete discontinuance of      contributions by the Employer to the Plan; provided, however, that in the      event of a partial termination of the Plan (which shall be determined by      the Internal Revenue Service Commissioner based on the facts and      circumstances of the particular case in accordance with Code Section      411(d)(3) and the corresponding Treasury Regulations issued thereunder),      the interest of each Participant shall fully vest only with respect to      that part of the Plan which isterminated; |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (ii) | Termination      of Service on or after the Participant’s Normal Retirement      Date; |
|--------|------|----------------------------------------------------------------------------------------------|

|   | (iii) | a      Change in Control; or |
|--------|-------|------------------------------|

|   | (iv) | Termination      of Service by reason of death orDisability. |
|--------|------|--------------------------------------------------------------|

| (a) | If      a Participant who is not fully vested in his Accounts terminates      employment, that portion of his Accounts in which he is not vested shall      be forfeited upon the earlier of: |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (i) | the      date the Participant receives a distribution of his entire vested benefits      under the Plan, or |
|--------|-----|-------------------------------------------------------------------------------------------------------------|

|   | (ii) | the      date the Participant incurs five (5) consecutive One Year Breaks in      Service. |
|--------|------|--------------------------------------------------------------------------------------------|

| (b) | If      a Participant who has terminated employment and has received a      distribution of his entire vested benefits under the Plan is subsequently      reemployed by an Employer prior to incurring five (5) consecutive One Year      Breaks in Service, he shall have the portion of his Accounts which was      previously forfeited restored to his Accounts, provided he repays to the      Trustee within five (5) years of his subsequent employment date an amount      equal to the previous distribution.  The amount restored to the      Participant’s Account shall be credited to his Account as of the last day      of the Plan Year in which the Participant repays the distributed amount to      the Trustee and the restored amount shall come from other Employees’      forfeitures and, if such forfeitures are insufficient, from a special      contribu­tion by the Employer for that year.  If a      Participant’s employment terminates prior to his Account having become      vested, such Participant shall be deemed to have received a distribution      of his entire vested interest as of the Valuation Date next following his      termination of employment. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | If      a Participant who has terminated employment but has not received a      distribution of his entire vested benefits under the Plan is subsequently      reemployed by an Employer subse­quent to incurring five (5)      consecutive One Year Breaks in Service, any undistributed balance of his      Accounts from his prior participation which was not forfeited shall be      maintained as a fully vested subaccount within his  Account. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | If      a portion of a Participant’s Account is forfeited, assets other than      Company Stock must be forfeited before any Company Stock may be      forfeited. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | Forfeitures      shall be reallocated among the other Participants in the    Plan. |
|-----|------------------------------------------------------------------------------------|

----

| (a) | A      Participant whose employment terminates for any reason shall receive the      entire vested portion of his Accounts in a single payment on a date      selected by the Committee; provided, however, that such date shall be on      or before the 60th day after the end of the Plan Year in which the      Participant’s employment terminated.  The benefits from that      portion of the Participant’s Other Investments Account shall be calculated      on the basis of the most recent Valuation Date before the date of      payment.  Subject to the provisions of Section 7.05 of the Plan,      if the Committee so provides, a Participant may elect that his benefits be      distributed to him in the form of Company Stock, cash, or some combination      thereof. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Notwithstanding      paragraph (a) of this Section 7.01, if the balance credited to a      Participant’s Accounts is not more than $1,000, the vested portion of the      Participant’s Accounts shall be paid in a lump sum on or before the      60th      day after the end of the Plan Year in which the Participant’s employment      terminated after allowing a Participant sufficient time within which to      elect whether to receive the distribution in cash or in a direct rollover      to an eligible retirement plan (as defined in Section 7.07 of the      Plan).  If the Participant fails to make the election described      in the preceding sentence within 180 days of receipt of the election      materials (or such later time as may be specified therein), the      Participant will be deemed to have elected to receive the distribution in      cash.  If the balance credited to a Participant’s Accounts      exceeds $1,000, his benefits shall not be paid before the latest of his      65th birthday or the tenth anniversary of the year in which he commenced      participation in the Plan, unless he elects an early pay­ment date in      a written election filed with the Committee.  Such an election      is not valid unless it is made after the Participant has received the      required notice under Section 1.411(a)-11(c) of the Treasury Regulations      that provides a general description of the material features of a lump sum      distribution and the Participant’s right to defer receipt of his benefits      under the Plan.  The notice shall be provided no less than 30      days and no more than 180 days before thefirst |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | day      on which all events have occurred which entitle the Participant to such      benefit. Written consent of the Participant to the distribution generally      may not be made within 30 days of the date the Participant receives the      notice and shall not be made more than 180 days from the date the      Participant receives the notice.  However, a distribution may be      made less than 30 days after the notice provided under Section      1.411(a)-11(c) of the Treasury Regulations is given,  if: |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (i) | the      Committee clearly informs the Participant that he has a right to a period      of at least 30 days after receiving the notice to consider the decision of      whether or not to elect a distribution (and if applicable, a particular      distribution option), and |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | the      Participant, after receiving the notice, affirmatively elects a      distribution. |
|--------|------|---------------------------------------------------------------------------------------------|

| (c) | Notwithstanding      the foregoing, unless a Participant elects to receive a distribution, the      Committee shall have the right to transfer accounts of $1,000 or more, but      not exceeding $5,000, in a direct rollover to an individual retirement      plan designated by the Plan administrator in accordance with Code Section      401(a)(31)(B) and the regulations promulgated  thereunder. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (i) | the      calendar year following the calendar year in which the Participant attains      age 70 1/2, or |
|--------|-----|---------------------------------------------------------------------------------------------------------|

|   | (ii) | the      calendar year in which the Participantretires. |
|--------|------|---------------------------------------------------------|

| (a) | If      a Participant dies before his benefits are paid pursuant to Section 7.01      of the Plan, the balance credited to his Accounts shall be paid to his      Beneficiary in a single distribution on or before the 60th day after the      end of the Plan Year in which the Participant died.  If the      Participant has not named a Beneficiary or his named Beneficiary should      not survive him, then the balance in his Accounts shall be paid to his      estate.  The benefits from that portion of the Participant’s      Other Investments Account shall be calculated on the basis of the most      recent Valuation Date before the date of  payment. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (b) | If      a married Participant dies before his benefit payments begin, then, unless      he has specifically elected otherwise, the Committee shall cause the      balance in his Accounts to be paid to his spouse, as      Beneficiary.  A married Participant may name an individual other      than his spouse as Beneficiary provided that such election is accompanied      by the spouse’s written consent whichmust: |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (i) | acknowledge      the effect of the election; |
|--------|-----|----------------------------------------------|

|   | (ii) | explicitly      provide either that the designated Beneficiary may not subsequently be      changed by the Participant without the spouse’s further consent or that it      may be changed without such consent;and |
|--------|------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (iii) | must      be witnessed by the Committee, its representative, or a notary      public. |
|--------|-------|---------------------------------------------------------------------------------------|

| (c) | The      Committee shall, from time to time, take whatever steps it deems      appropriate to keep informed of each Participant’s marital      status.  Each Employer shall provide the Committee with the most      reliable information in the Employer’s possession regarding its      Participants’ marital status, and the Committee may, in its discretion,      require a notarized affidavit from any Participant as to his marital      status.  The Committee, the Plan, the Trustee, and the Employers      shall be fully protected and discharged from any liability to the extent      of any benefit payments made as a result of the Committee’s good faith and      reasonable reliance upon information obtained from a Participant as to the      Participant’s marital status. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | Unless      ownership of virtually all Company Stock is restricted to active Employees      and qualified retirement plans for the benefit of Employees pursuant to      the certificates of incorporation or by-laws of the Employers issuing      Company Stock, a terminated Participant or the Beneficiary of a deceased      Participant may instruct the Committee to distribute the Participant’s      entire vested interest in his Accounts in the form of Company      Stock.  In that event, the Committee shall apply the      Participant’s vested interest in his Other Investments Account to purchase      sufficient Company Stock to make the required  distribution. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (b) | Any      Participant who receives Company Stock pursuant to this Section 7.05, and      any person who has received Company Stock from the Plan or from such a      Participant by reason of the Participant’s death or incompetency, by      reason of divorce or separation from the Participant, or by reason of a      rollover distribution described in Section 402(c) of the Code, shall have      the right to require the Employer which issued the Company Stock to      purchase the Company Stock for its current fair market value (hereinafter      referred to as the “put right”).  The put right shall be      exercisable by written notice to the Committee during the first 60 days      after the Company Stock is distributed by the Plan, and, if not exercised      in that period, during the first 60 days in the following Plan Year after      the Committee has communicated to the Participant its determination as to      the Company Stock’s current fair market value.  If the put right      is exercised, the Trustee may, if so directed by the Committee in its sole      discretion, assume the Employer’s rights and obligations with respect to      purchasing the Company Stock.  However, the put right shall not      apply to the extent that the Company Stock, at the time the put right      would otherwise be exercisable, may be sold on an established market in      accordance with federal and state securities laws and      regulations. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | With      respect to a put right, the Employer or the Trustee, as the case may be,      may elect to pay for the Company Stock in equal periodic installments, not      less frequently than annually, over a period not longer than five (5)      years from the 30th day after the put right is exercised pursuant to      paragraph (b) of this Section 7.05, with adequate security and interest at      a reasonable rate on the unpaid balance, all such terms to be set forth in      a promissory note delivered to the seller with normal terms as to      acceleration upon any uncureddefault. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Nothing      contained in this Section 7.05 shall be deemed to obligate any Employer to      register any Company Stock under any federal or state securities law or to      create or maintain a public market to facilitate the transfer or      disposition of any Company Stock.  The put right described in      this Section 7.05 may only be exercised by a person described in paragraph      (b) of this Section 7.05, and may not be transferred with any Company      Stock to any other person.  As to all Company Stock purchased by      the Plan in exchange for any Acquisition Loan, the put right must be      nonterminable.  The put right for Company Stock acquired through      an Acquisition Loan shall continue with respect to such Company Stock      after the Acquisition Loan is repaid or the Plan ceases to be an employee      stock ownership plan.  Except as provided above, in accordance      with the provisions of Sections 54.4975-7(b)(4) of the Treasury      Regulations, no Company Stock acquired with the proceeds of an Acquisition      Loan may be subject to any put, call or other option or buy-sell or      similar arrangement while held by, and when distributed from, the Plan,      whether or not the Plan is then an employee stock ownership      plan. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (a) | Notwithstanding      any provision of the Plan to the contrary that would otherwise limit a      distributee’s election under this Section, a distributee (as defined      below) may elect to have any portion of an eligible rollover distribution      (as defined below) paid directly to an eligible retirement plan (as      defined below) specified by the distributee in a direct rollover (as      defined below).  A “distributee” includes a Participant or      former Participant.  In addition, the Participant’s or former      Participant’s surviving spouse and the Participant’s or former      Participant’s spouse or former spouse who is the alternate payee under a      qualified domestic relations order, as defined in Section 414(p) of the      Code, are distributees with regard to the interest of the spouse or former      spouse.  A “distributee” shall also include any non-spouse      beneficiary of the Participant.  For purposes of this Section      7.07, a “direct rollover” is a payment by the Plan to the eligible      retirement plan specified by thedistributee. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | To      effect such a direct transfer, the distributee must notify the Committee      that a direct rollover is desired and provide to the Committee sufficient      information regarding the eligible retirement plan to which the payment is      to be made.  Such notice shall be made in such form and at such      time as the Committee may prescribe.  Upon receipt of such      notice, the Committee shall direct the Trustee to make a      trustee-to-trustee transfer of the eligible rollover distribution to the      eligible retirement plan sospecified. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | For      purposes of this Section 7.07, an “eligible rollover distribution” shall      have the meaning set forth in Section 402(c)(4) of the Code and any      Treasury Regulations promulgated thereunder.  To the extent such      meaning is not inconsistent with the above references, an eligible      rollover distribution shall mean any distribution of all or any portion of      the Participant’s Account, except that such term shall not include any      distribution which is one of a series of substantially equal periodic      payments (not less frequently than annually) made (i) for the life (or      life expectancy) of the Participant or the joint lives (or joint life      expectancies) of the Participant and a designated Beneficiary, or (ii) for      a period of ten years or more.  Further, the term “eligible      rollover distribution” shall not include any distribution required to be      made under Section 401(a)(9) of the Code or, the portion of any      distribution that is not includible in gross income (determined without      regard to the exclusions for net unrealized appreciation with respect to      Company Stock).  Notwithstanding the foregoing, the non-taxable      portion of the “eligible rollover distribution” can be rolled over to      another tax-qualified plan or a Code Section 403(b) annuity, as long as      the rollover is made in a direct trustee-to-trustee transfer, and      the |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | recipient      tax qualified plan or the Code Section 403(b) annuity provides for      separate accounting of the amounts transferred and the earnings on such      amounts.   To the extent applicable under the Plan,      “eligible rollover distributions” shall also not include any hardship      distribution described in Section 401(k)(2)(B)(i)(IV) of the      Code. |
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| (d) | For      purposes of this Section 7.07, an “eligible retirement plan” shall have      the meaning set forth in Section 402(c)(8) of the Code and any Treasury      Regulations promulgated thereunder.  To the extent such meaning      is not consistent with the above references, an eligible retirement plan      shall mean: (i) an individual retirement account described in Section      408(a) of the Code, (ii) an individual retirement annuity described in      Section 408(b) of the Code, (iii) an annuity or annuity plan described in      Section 403(a) or Section 403(b) of the Code, (iv) a qualified trust      described in Section 401(a) of the Code, (v) a governmental plan under      Section 457 of the Code that accepts the distributee’s eligible rollover      distribution; (vi) a deemed individual retirement account described in      Code Section 408(q); and (vii) a Roth individual retirement account in      accordance with Code Section 408A(e).  However, in the case of      an eligible rollover distribution to a surviving spouse, an eligible      retirement plan means an individual retirement account or individual      retirement annuity. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | The      Committee shall provide Participants or other distributees of eligible      rollover distributions with a written notice designed to comply with the      requirements of Code Section 402(f).  Such notice shall be      provided within a reasonable period of time before making an eligible      rollover distribution.  Such notice may be provided up to 180      days before the first day of the first period for which an amount is      payable as an annuity or any otherform. |
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| (a) | In      General.  The Trustee shall generally vote all shares of      Company Stock held in the Trust in accordance with the provisions of this      Section 8.01. |
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| (b) | Allocated      Shares.  Shares of Company Stock which have been      allocated to Participants’ Accounts shall be voted by the Trustee in      accordance with the Participants’ written  instructions. |
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| (c) | Uninstructed      and Unallocated Shares.  Shares of Company Stock which      have been allocated to Participants’ Accounts but for which no written      instructions have been received by the Trustee regarding voting shall be      voted by the Trustee in a manner calculated to most accurately reflect the      instructions the Trustee has received from Participants regarding voting      shares of allocated Company Stock.  Shares of unallocated      Company Stock shall also be voted by the Trustee in a manner calculated to      most accurately reflect the instructions the Trustee has received from      Participants regarding voting shares of allocated Company      Stock.  Notwithstanding the preceding  two |
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|   | sentences,      all shares of Company Stock which have been allocated to Participants’      Accounts and for which the Trustee has not timely received written      instructions regarding voting and all unallocated shares of Company Stock      must be voted by the Trustee in a manner determined by the Trustee to be      solely in the best interests of the Participants and      Beneficiaries. |
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| (d) | Voting      Prior to Allocation.  In the event no shares of Company      Stock have been allocated to Participants’ Accounts at the time Company      Stock is to be voted, each Participant shall be deemed to have one share      of Company Stock allocated to his Accounts for the sole purpose of      providing the Trustee with votinginstructions. |
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| (e) | Procedure      and Confidentiality.  Whenever such voting rights are to      be exercised, the Employers, the Committee, and the Trustee shall see that      all Participants and Beneficiaries are provided with the same notices and      other materials as are provided to other holders of the Company Stock, and      are provided with adequate opportunity to deliver their instructions to      the Trustee regarding the voting of Company Stock allocated to their      Accounts or deemed allocated to their Accounts for purposes of      voting.  The instructions of the Participants with respect to      the voting of shares of Company Stock shall be    confidential. |
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| (a) | The      Committee shall be the “plan administrator” within the meaning of ERISA      and shall have exclusive responsibility and authority to control and      manage the operation and administration of the Plan, including the      interpretation and application of its provisions, except to the extent      such responsibility and authority are otherwise    specifically: |
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|   | (i)    | allocated      to the Bank, the Employers, or the Trustee under the Plan and Trust      Agreement; |
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|   |   |                                                                                               |

|   | (ii) | delegated      in writing to other persons by the Bank, the Employers, the Committee, or      the Trustee; or |
|--------|------|---------------------------------------------------------------------------------------------------------------|

|   | (iii) | allocated      to other parties by operation oflaw. |
|--------|-------|-----------------------------------------------------|

| (b) | The      Committee shall have exclusive responsibility regarding decisions      concerning the payment of benefits under the  Plan. |
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| (c) | The      Committee shall have full investment responsibility with respect to the      Investment Fund except to the extent, if any, specifically provided for in      the Trust Agreement. |
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| (d) | In      the discharge of its duties, the Committee may employ accountants,      actuaries, legal counsel, and other agents (who also may be employed by an      Employer or the Trustee in the same or some other capacity) and may pay      such individuals reasonable compensation and expenses for their services      rendered with respect to the operation or administration of the Plan, to      the extent such payments are not otherwise prohibited by    law. |
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| (a) | The      Committee shall keep whatever records may be necessary in connection with      the maintenance of the Plan and shall furnish to the Employers whatever      reports may be required from time to time by the Employers.  The      Committee shall furnish to the Trustee whatever information may be      necessary to properly administer the Trust.  The Committee shall      see to the filing with the appropriate government agencies of all reports      and returns required with respect to the Plan under ERISA, the Code and      other applicable laws andregulations. |
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| (b) | The      Committee shall have exclusive responsibility and authority with respect      to the Plan’s holdings of Company Stock and shall direct the Trustee in      all respects regarding the purchase, retention, sale, exchange, and pledge      of Company Stock and the creation and satisfaction of any Acquisition Loan      to the extent such responsibilities are not set forth in the Trust      Agreement. |
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| (c) | The      Committee shall at all times act consistently with the Bank’s long-term      intention that the Plan, as an employee stock ownership plan, be invested      primarily in Company Stock.  Subject to the direction of the      Committee with respect to any Acquisition Loan pursuant to the provisions      of Section 4.03 of the Plan, and subject to the provisions of Sections      7.05 and 11.04 of the Plan as to Participants’ rights under certain      circumstances to have their Accounts invested in Company Stock or in      assets other than Company Stock, the Committee shall determine, in its      sole discretion, the extent to which assets of the Trust shall be used to      repay any Acquisition Loan, to purchase Company Stock, or to invest in      other assets selected by the Committee or an investment      manager.  No provision of the Plan relating to the allocation or      vesting of any interests in Company Stockor |
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|   | investments      other than Company Stock shall restrict the Committee from changing any      holdings of the Trust Fund, whether the changes involve an increase or a      decrease in the Company Stock or other assets credited to Participants’      Accounts.  In determining the proper extent of the Trust Fund’s      investment in Company Stock, the Committee shall be authorized to employ      investment counsel, legal counsel, appraisers, and other agents and to pay      their reasonable compensation and expenses to the extent such payments are      not prohibited by law. |
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| (d) | If      the valuation of any Company Stock is not established by reported trading      on a generally recognized public market, then the Committee shall have the      exclusive authority and responsibility to determine the value of the      Company Stock for all purposes under the Plan.  Such value shall      be determined as of each Valuation Date and on any other date as of which      the Trustee purchases or sells Company Stock in a manner consistent with      Section 4975 of the Code and the Treasury Regulations issued      thereunder.  The Committee shall use generally accepted methods      of valuing stock of similar corporations for purposes of arm’s length      business and investment transactions, and in this connection the Committee      shall obtain, and shall be protected in relying upon, the valuation of      Company Stock as determined by an independent appraiser (as defined in      Section 401(a)(28)(c) of the Code). |
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| (a) | each      specific reason for the denial; |
|-----|-------------------------------------------|

| (b) | specific      references to the pertinent Plan provisions on which the denial is      based; |
|-----|----------------------------------------------------------------------------------------------|

| (c) | a      description of any additional material or information which could be      submitted by the Participant or Beneficiary to support his claim, with an      explanation of the relevance of such information;  and |
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| (d) | an      explanation of the claims review procedures set forth in Section 10.03 of      the Plan. |
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| (a) | taking      such action as shall be necessary to adopt the  Plan; |
|-----|-------------------------------------------------------------------|

| (b) | becoming      a party to the Trust Agreement establishing the Trust Fund;      and |
|-----|------------------------------------------------------------------------------------|

| (c) | executing      and delivering such instruments and taking such other action as may be      necessary or desirable to put the Plan into effect with respect to the      entity’s Employees. |
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| (a) | The      Bank intends to continue this Plan as a permanent      program.  However, each participating Employer separately      reserves the right to suspend, supersede, or terminate the Plan at any      time and for any reason, as it applies to that Employer’s Employees, and      the Bank reserves the right to amend, suspend, supersede, merge,      consolidate, or terminate the Plan at any time and for any reason, as it      applies to the Employees of allEmployers. |
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| (b) | No      amendment, suspension, supersession, merger, consolidation, or termination      of the Plan shall reduce any Participant’s or Beneficiary’s proportionate      interest in the Trust Fund, or shall divert any portion of the Trust Fund      to purposes other than the exclusive benefit of the Participants and their      Beneficiaries prior to the satisfaction of all liabilities under the      Plan.  Except as is required for purposes of compliance with the      Code or ERISA, neither the provisions of Section 5.04 relating to the      crediting of contributions, forfeitures and shares of Company Stock      released from the Loan Suspense Account, nor any other provision of the      Plan relating to the allocation of benefits to Participants, may be      amended more frequently than once every six months.  Moreover,      there shall not be any transfer of assets to a successor plan or merger or      consolidation with another plan unless, in the event of the termination of      the successor plan or the surviving plan immediately following such      transfer, merger, or consolidation, each participant or beneficiary would      be entitled to a benefit equal to or greater than the benefit he would      have been entitled to if the plan in which he was previously a participant      or beneficiary had terminated immediately prior to such transfer, merger,      or consolidation.  Following a termination of this Plan by the      Bank, the Trustee shall continue to administer the Trust and pay benefits      in accordance with the Plan and the Committee’s    instructions. |
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| (c) | In      the event of a Change in Control, the Plan shall be terminated and      allocations made to Participants in accordance with the provisions of      Section 5.08 of the Plan. |
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|   | (a) | If      the Participant’s surviving spouse is the Participant’s sole designated      beneficiary, then, except as provided in the adoption      agreement, |
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|   | distributions      to the surviving spouse will begin by December 31 of the calendar year      immediately following the calendar year in which the Participant died, or      by December 31 of the calendar year in which the Participant would have      attained age 70 1⁄2, if later. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | If      the Participant’s surviving spouse is not the Participant’s sole      designated beneficiary, then, except as provided in the adoption      agreement, distributions to the designated beneficiary will begin by      December 31 of the calendar year immediately following the calendar year      in which the Participant died. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | If      there is no designated beneficiary as of September 30 of the year      following the year of the Participant’s death, the Participant’s entire      interest will be distributed by December 31 of the calendar year      containing the fifth anniversary of the Participant’s    death. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | If      the Participant’s surviving spouse is the Participant’s sole designated      beneficiary and the surviving spouse dies after the Participant but before      distributions to the surviving spouse begin, this section 1.2, other than      section 1.2(a), will apply as if the surviving spouse were the      Participant. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (a) | the      quotient obtained by dividing the Participant’s account balance by the      distribution period in the Uniform Lifetime Table set forth in section      1.401(a)(9)-9 of the Treasury regulations, using the Participant’s age as      of the Participant’s birthday in the distribution calendar year;      or |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | if      the Participant’s sole designated beneficiary for the distribution      calendar year is the Participant’s spouse, the quotient obtained by      dividing the Participant’s account balance by the number in the Joint and      Last Survivor Table set forth in section 1.401(a)(9)-9 of the Treasury      regulations, using the Participant’s and spouse’s attained ages as of the      Participant’s and spouse’s birthdays in the distribution calendar year;      or |
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|   | (a) | Participant      Survived by Designated Beneficiary.  If the Participant dies on      or after the date distributions begin and there is a designated      beneficiary, the minimum amount that will be distributed for each      distribution calendar year after the year of the Participant’s death is      the quotient obtained by dividing the Participant’s account balance by the      longer of the remaining life expectancy of the Participant or the      remaining life expectancy of the Participant’s designated beneficiary,      determined as follows: |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 1. | The      Participant’s remaining life expectancy is calculated using the age of the      Participant in the year of death, reduced by one for each subsequent      year. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 2. | If      the Participant’s surviving spouse is the Participant’s sole designated      beneficiary, the remaining life expectancy of the surviving spouse is      calculated for each distribution calendar year after the year of the      Participant’s death using the surviving spouse’s age as of the spouse’s      birthday in that year.  For distribution calendar years after      the year of the surviving spouse’s death, the remaining life expectancy of      the surviving spouse is calculated using the age of the surviving spouse      as of the spouse’s birthday in the calendar year of the spouse’s death,      reduced by one for each subsequent calendar  year. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 3. | If      the Participant’s surviving spouse is not the Participant’s sole      designated beneficiary, the designated beneficiary’s remaining life      expectancy is calculated using the age of the beneficiary in the year      following the year of the Participant’ death, reduced by one for each      subsequent year. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | No      Designated Beneficiary.  If the Participant dies on or after the      date distributions begin and there is no designated beneficiary as of      September 30 of the year after the year of the Participant’s death, the      minimum amount that will be distributed for each distribution calendar      year after the year of the Participant’s death is the quotient obtained by      dividing the Participant’s account balance by the Participant’s remaining      life expectancy calculated using the age of the Participant in the year of      death, reduced by one for each subsequentyear. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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|   | (a) | Participant      Survived by Designated Beneficiary.  Except as provided in the      adoption agreement, if the Participant dies before the date distributions      begin and there is a designated beneficiary, the minimum amount that will      be distributed for each distribution calendar year after the year of the      Participant’s death is the quotient obtained by dividing the Participant’s      account balance by the remaining life expectancy of the Participant’s      designated beneficiary, determined as provided in this      Section. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | No      Designated Beneficiary.  If the Participant dies before the date      distributions begin and there is no designated beneficiary as of September      30 of the year following the year of the Participant’s death, distribution      of the Participant’s entire interest will be completed by December 31 of      the calendar year containing the fifth anniversary of the Participant’s      death. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | Death      of Surviving Spouse Before Distributions to Surviving Spouse Are Required      to Begin.  If the Participant dies before the date distributions      begin, the Participant’s surviving spouse is the Participant’s sole      designated beneficiary, and the surviving spouse dies before distributions      are required to begin to the surviving spouse, this section will apply as      if the surviving spouse were theParticipant. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| (a) | Key      employee.  Key employee means any employee or former      employee (including any deceased employee) who at any time during the Plan      Year that includes the Determination Date was an officer of the Employer      having annual compensation greater than $130,000 (as adjusted under      Section 416(i)(1) of the Code for Plan Years beginning after December 31,      2002), a 5% owner of the Employer or a 1% owner of the Employer having      annual compensation of more than $150,000.  For this purpose,      annual compensation means compensation within the meaning of Section      415(c)(3) of the Code.  The determination of who is a key      employee will be made in accordance with Section 416(i)(1) of the Code and      the applicable regulations and other guidance of general applicability      issued thereunder. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Determination of present values      and amounts.  This subsection (b) shall apply for      purposes of determining the present values of accrued benefits and the      amounts of account balances of Participants as of the distribution      date. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (i) | Distributions during year      ending on the Determination Date.  The present values of      accrued benefits and the amounts of account balances of a Participant as      of the Determination Date shall be increased by the distributions made      with respect to the Participant under the Plan and any Plan aggregated      with the Plan under Section 416(g)(2) of the Code during the 1-year period      ending on the Determination Date.  The preceding sentence shall      also apply to distributions under a terminated plan which, had it not been      terminated, would have been aggregated with the Plan under Section      416(g)(2)(A)(i) of the Code.  In the case of a distribution made      for a reason other than separation from service, death or disability, this      provision shall be applied by substituting "5-year period" for “1-year      period.” |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | Participants not performing      services during the year ending on the Determination      Date.  The accrued benefits and accounts of any      individual who has not performed services for the Employer during the      1-year period ending on the Determination Date shall not be taken into      account. |
|--------|------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| (a) | Minimum      Accruals.  Section 5.04 of the Plan will be modified to      provide that the aggregate amount of Employer contributions allocated in      each Plan Year to the Accounts of each Participant who is a non-Key      Employee (as defined under Section 416(i)(1) of the Code), and who is      employed by an Employer as of the last day of the Plan Year, may not be      less than the lesser of: |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (i) | three      percent (3%) of his Compensation for the Plan Year;  and |
|--------|-----|---------------------------------------------------------------------|

|   | (ii) | a      percentage of his Compensation equal to the largest percentage obtained by      dividing the sum of the amount credited to the Accounts of any Key      Employee by that Key Employee’sCompensation. |
|--------|------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | The      preceding provision will remain in effect for the period in which the Plan      is top-heavy.  If, for any particular year thereafter, the Plan      is no longer top-heavy, the provisions contained in this Section 14.02      shall cease to apply, except that any previously vested portion of any      Account balance shall remainnonforfeitable. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | If      the Employer maintains a qualified plan in addition to this plan and more      than on such plan is determined to be top-heavy, a minimum contribution or      a minimum benefit shall be provided in one of such other plans, including      a plan that consists solely of cash or deferred arrangement which meets      the requirements of Section 401(k)(12) of the Code and matching      contributions with respect to which the requirements of Section 401(m)(11)      of the Code are met. |
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