Document:

EXHIBIT 10.20

    THIS WARRANT AND THE SECURITIES ISSUABLE UPON EXERCISE HEREOF HAVE NOT
    BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933 OR ANY STATE
    SECURITIES LAW. NEITHER THIS WARRANT NOR THE SECURITIES ISSUABLE UPON
    EXERCISE HEREOF NOR ANY INTEREST OR PARTICIPATION HEREIN OR THEREIN MAY
    BE SOLD, ASSIGNED, PLEDGED OR DISPOSED OF EXCEPT IN COMPLIANCE WITH THE
    SECURITIES ACT OF 1933 AND ALL STATE SECURITIES LAWS AND THE TERMS AND
    CONDITIONS HEREOF.

                  NON-DETACHABLE COMMON STOCK PURCHASE WARRANT

                            Void After June 30, 2006

         This is to certify that, for value received, Michael Jaharis, or
registered assigns thereof (the "Holder"), is entitled to purchase from Kos
Pharmaceuticals, Inc., a Florida corporation (the "Corporation"), at a price of
$5.00 per share (the "Warrant Price") at any time on or before June 30, 2006,
all or any part of 6,000,000 shares of Common Stock, par value $.01 per share,
of the Corporation ("Common Stock"), on the terms and subject to the conditions
hereinafter set forth. This Warrant is being issued to the Holder in connection
with a loan to the Corporation by the Holder pursuant to that certain Promissory
Note dated December 21, 1999, from the Corporation, in favor of the Holder (the
"Note").

         1. This Warrant will become void, and all rights of the Holder will
expire, at 5:00 P.M., Miami, Florida local time, on June 30, 2006.

         2. This Warrant may be exercised by the Holder, upon surrender of the
Note (if the Note is outstanding), as to all or any portion of the shares of
Common Stock covered hereby, by surrender by the Holder or his agent of this
Warrant to the Corporation at its principal office, with the form of Election to
Purchase attached hereto duly executed. Upon any such exercise, the Warrant
Price for such shares shall be paid and satisfied only through the conversion of
principal or interest outstanding under the Note in an aggregate amount equal to
the Warrant Price for such shares. This Warrant shall be exercisable only for so
long as and to the extent of the aggregate amount of principal and interest
outstanding under the Note. The Election to Purchase shall state the name of the
person or entity exercising the Warrant (with address and such further
information as may be required by the Corporation) and the certificate or
certificates for shares of Common Stock shall be issued in this name. Thereupon
this Warrant shall be deemed to have been exercised and the person or entity
exercising the Warrant shall be deemed to have become a holder of record of
shares of Common Stock purchased hereunder for all purposes and thereafter the
Holder may exercise all rights and be entitled to all benefits of a shareholder
of record of the Corporation, and a certificate or certificates for such shares
so purchased shall be delivered to the person or entity exercising the Warrant
within a reasonable time after this Warrant shall have been exercised as set
forth hereinabove.

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         3. The following adjustments shall be made:

               a. In the event that, prior to the exercise of this Warrant and
issuance of the underlying shares, there shall be an increase or decrease in the
number of issued shares of Common Stock of the Corporation as a result of a
subdivision or consolidation of shares or other capital adjustment, or the
payment of a stock dividend or other increase or decrease in such shares,
effected without receipt of consideration by the Corporation, the remaining
number of shares shall be adjusted so that the adjusted number of shares subject
to this Warrant and the adjusted Warrant Price shall be the substantial
equivalent of the remaining number of shares still subject to the Warrant and
the Warrant Price thereof prior to such change.

               b. If at any time while this Warrant is outstanding another
corporation merges into the Corporation, the Holder of this Warrant shall be
entitled, immediately after the merger becomes effective and upon exercise of
this Warrant, to obtain the same number of shares of Common Stock of the
Corporation (or shares into which the Common Stock has been changed as provided
in the paragraph of this Warrant covering changes) that the Holder would have
been entitled upon the exercise hereof to obtain immediately before the merger
became effective at the same Warrant Price. The Corporation shall take any and
all steps necessary in connection with the merger to assure that sufficient
shares of Common Stock to satisfy all conversion and purchase rights represented
by outstanding convertible securities, options and warrants, including this
Warrant, are available so that these convertible securities, options and
warrants, including this Warrant, may be exercised.

               c. On the happening of an event requiring an alteration or
adjustment of the shares purchasable upon exercise of this Warrant, or an
alteration or adjustment of their number or designation, the Corporation shall
give written notice to the Holder of this Warrant stating the adjusted number,
designation and kind of securities or other property obtainable upon exercise of
this Warrant as a result of and following the event. The notice shall set forth
in reasonable detail the method of calculation determining the securities or
property obtainable after the event, and the facts upon which the calculation is
based. The Corporation's board of directors, acting in good faith, shall
determine the calculation.

         4. This Warrant is exchangeable by the Holder, upon the surrender of
the Warrant at the principal office of the Corporation, for new Warrants of like
tenor and date representing in the aggregate the right to subscribe for and
purchase the number of shares of Common Stock which may be subscribed for and
purchased hereunder.

         5. The Corporation covenants and agrees that all shares of Common Stock
which may be issued upon the exercise of the rights represented by this Warrant
will, upon issuance, be validly issued, fully paid and non-assessable and free
from all taxes, liens and charges with respect to the issue thereof except for
any taxes required in connection with the transfer thereof. The Corporation
further covenants and agrees that, during the period within which the rights
represented by this Warrant may be exercised, the Corporation will at all times
have

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authorized and reserved a sufficient number of shares of Common Stock to provide
for the exercise of the rights represented by this Warrant.

         6. The Holder of this Warrant, by acceptance hereof, agrees that,
except as hereinafter stated, such holder will not sell, hypothecate or
otherwise transfer or dispose of this Warrant or the shares of Common Stock
issuable on the exercise hereof without giving prior written notice to the
Corporation of such holder's intention to do so, describing briefly the manner
of any such proposed transfer. Notwithstanding the foregoing, this Warrant is
transferable (i) to a trust in which a Holder or Holders is/are the settlor(s)
and either one or more Holders and/or direct family members of such Holder
is/are a primary beneficiary or beneficiaries, (ii) a corporation, partnership
or limited liability company in which one or more Holders and/or direct family
members of such Holders control at least 80 percent of the stockholder,
partnership or membership interests in such corporation, partnership or limited
liability company; or (iii) by descent upon death to direct family members of
such Holders. This Warrant and the rights evidenced hereby shall be transferable
only when attached to the Note. Upon the request of the Corporation, the Holder
proposing to transfer this Warrant shall be required to deliver to the
Corporation an opinion of counsel for the Holder stating that the proposed
transfer described in the notice given by the Holder may be effected without
registration of this Warrant or the shares of Common Stock issuable on the
exercise hereof under the Securities Act of 1933, as then in effect, or any
similar federal statute (the "Securities Act").

         7. The restrictions in Section 6 hereof shall be binding upon any
transferee who has received this Warrant or shares of Common Stock issuable on
exercise hereof. A legend in substantially the following form shall be typed,
printed or stamped on the face and back of all certificates issued on exercise
of this Warrant and on the face and back of all certificates issued in
substitution or exchange thereof:

                    "This security has not been registered under the
               Securities Act of 1933, as amended. It has been
               acquired for investment and may not be sold or
               transferred in the absence of an effective registration
               statement with respect thereto under the Securities Act
               of 1933, as amended, or an opinion of counsel
               acceptable to the Company that registration is not
               required under said Act."

         8. The issue of any stock or other certificate upon the exercise of
this Warrant shall be made without charge to the registered holder hereof for
any tax in respect of the issue of such certificate.

         9. This Warrant and all rights hereunder are transferable on the books
of the Corporation (subject, however, to the provisions of Sections 6 and 7
hereof), upon surrender of this Warrant, with the form of Transfer of Warrant
attached hereto duly executed by the registered holder hereof or by his attorney
duly authorized in writing, to the Corporation at its principal office, and
thereupon there shall be issued in the name of the transferee or transferees, in
exchange for this Warrant, a new Warrant or Warrants of like tenor and date,

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representing in the aggregate the right to subscribe for and purchase the number
of shares of Common Stock which may be subscribed for and purchased hereunder.

         10. The Corporation may deem and treat the registered holder of this
Warrant as the absolute owner of this Warrant for all purposes and shall not be
affected by any notice to the contrary.

         11. This Warrant shall not entitle the Holder to any rights of a
stockholder of the Corporation, either at law or in equity, including, without
limitation, the right to vote, to receive dividends and other distributions, to
exercise any preemptive rights or to receive any notice of meetings of
stockholders or of any other proceedings of the Corporation.

         12. This Warrant shall be governed by the laws of the State of Florida.

Dated: December 21, 1999                        KOS PHARMACEUTICALS, INC.

                                                By
                                                   -----------------------------
                                                   Daniel M. Bell, President

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                               TRANSFER OF WARRANT

         For value received ___________________ hereby sells, assigns and
transfers unto _______________________ the right to purchase ______ shares of
Common Stock, par value $.01 per share, of Kos Pharmaceuticals, Inc., which
rights are represented by the attached Warrant, and does hereby irrevocably
constitute and appoint ______________ attorney to transfer said rights on the
books of such Corporation. This transfer is effective only if the Warrant is
attached to the Note (as defined in the Warrant).

Dated:  ______________, ____

In the Presence of

_____________________________

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                              ELECTION TO PURCHASE

                                                      Date:  ____________, _____

TO:

         The registered holder of the attached Warrant as named below (the
"Holder") hereby subscribes for ________ shares of the Common Stock of the
Corporation covered by the attached Warrant and tenders payment herewith by
converting the Note (as such term is defined in the Warrrant) or portion thereof
below designated.

Name of Holder: ____________________________________________

Principal amount to be converted: $_________________________

Unpaid accrued interest to be converted: $__________________

Principal amount of replacement Note, if any: $_____________

Issue Certificate(s)                            Deliver certificate(s)
for said stock to                               _________ by mail ____ against
                                                counter receipt to

----------------------------                    ------------------------------
        (Name)                                              (Name)

----------------------------                    ------------------------------
   (Street and Number)                                 (Street and Number)

----------------------------                    ------------------------------
City           State                            City             State

----------------------------                    ------------------------------
Social Security or Tax                          Social Security or Tax
Identification Number                           Identification Number

         The Holder hereby represents and warrants to and agrees with the
Company that, if the shares of Common Stock which the Holder hereby subscribes
for have not been effectively registered under the Securities Act of 1933, or
any similar Federal statute in effect at the date of this Election to Purchase,
the Holder is purchasing said shares of Common Stock for his or its own account
for investment, and not with a view to, or for sale in connection with, any

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distribution of such shares and without any present intention of distributing or
selling such shares and that a legend to such extent may be placed on all
certificates for shares of such Common Stock.

                                  Very truly yours,

                                  (Signature of Holder or duly authorized Agent)

                                       7EXHIBIT 10.2

                   AMENDED AND RESTATED EMPLOYMENT AGREEMENT

         This AMENDED AND RESTATED EMPLOYMENT AGREEMENT (the "Agreement") is
made and entered into as of November 17, 1999 by and among Republic Security
Financial Corporation, a business corporation organized and operating under the
laws of the State of Florida and having an office at 450 South Australian
Avenue, West Palm Beach, FL 33401 (the "Company"), Republic Security Bank, a
commercial bank organized and operating under the laws of the State of Florida
and having an office at 450 South Australian Avenue, West Palm Beach, FL 33401
(the "Bank"), and Richard J. Haskins, an individual residing at 1181 Morse
Blvd., Singer Island, FL 33404 (the "Executive"). The Agreement amends and
restates in its entirety that certain Employment Agreement by and between
Republic Security Financial Corporation and the Executive dated April 1, 1992,
as amended February 1, 1998, and as amended and restated as of January 27, 1999.

                              W I T N E S S E T H :

         WHEREAS, the Executive has been elected as Senior Executive Vice
President and Chief Financial Officer of the Company and the Bank; and

         WHEREAS, the Company and the Bank desire to assure for themselves the
continued availability of the Executive's services and the ability of the
Executive to perform such services with a minimum of personal distraction in the
event of a pending or threatened Change of Control (as hereinafter defined); and

         WHEREAS, the Executive is willing to serve the Company and the Bank on
the terms and conditions hereinafter set forth;

         NOW, THEREFORE, in consideration of the premises and the mutual
covenants and conditions hereinafter set forth, the Company, the Bank and the
Executive hereby agree as follows:

         SECTION 1. EMPLOYMENT.

         The Company and the Bank agree to employ the Executive, and the
Executive hereby agrees to such employment, during the period and upon the terms
and conditions set forth in this Agreement.

         SECTION 2. EMPLOYMENT PERIOD; REMAINING UNEXPIRED EMPLOYMENT PERIOD.

         (a) The terms and conditions of this Agreement shall be and remain in
effect during the period of employment established under this section 2
("Employment Period"). The Employment Period shall be for an initial term of
three years beginning on the date of this Agreement and ending on the third
anniversary date of this Agreement, plus such extensions, if any, as are
provided pursuant to section 2(b).

         (b) Beginning on the date of this Agreement, the Employment Period
shall automatically be extended for one (1) additional day each day, unless
either the

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Company and the Bank, acting jointly, or the Executive, elects not to extend the
Agreement further by giving written notice to the other parties, in which case
the Employment Period shall end on the third anniversary of the date on which
such written notice is given. For all purposes of this Agreement, the term
"Remaining Unexpired Employment Period" as of any date shall mean the period
beginning on such date and ending on: (i) if a notice of non-extension has been
given in accordance with this section 2(b), the third anniversary of the date on
which such notice is given; and (ii) in all other cases, the third anniversary
of the date as of which the Remaining Unexpired Employment Period is being
determined. Upon termination of the Executive's employment with the Company and
the Bank for any reason whatsoever, any daily extensions provided pursuant to
this section 2(b), if not therefore discontinued, shall automatically cease.

         (c) Nothing in this Agreement shall be deemed to prohibit the Company
and the Bank from terminating the Executive's employment at any time during the
Employment Period with or without notice for any reason; PROVIDED, HOWEVER, that
the relative rights and obligations of the Company, the Bank and the Executive
in the event of any such termination shall be determined under this Agreement.

         SECTION 3. DUTIES.

         The Executive shall serve as Senior Executive Vice President and Chief
Financial Officer of the Company and the Bank, having such power, authority and
responsibility and performing such duties as are prescribed by or under the
By-Laws of the Bank, or assigned by the Board of Directors of the Company or the
Bank or the President of the Company or the Bank, and otherwise as are
customarily associated with such position. The Executive shall devote his full
business time and attention (other than during weekends, holidays, approved
vacation periods, and periods of illness or approved leaves of absence) to the
business and affairs of the Company and the Bank and shall use his best efforts
to advance the interests of the Company and the Bank.

         SECTION 4. CASH COMPENSATION.

         In consideration for the services to be rendered by the Executive
hereunder, the Company and the Bank shall pay to Executive a salary at an
initial annual rate of ONE HUNDRED SEVENTY THOUSAND DOLLARS ($170,000), payable
in approximately equal installments in accordance with the Company's and the
Bank's customary payroll practices for senior officers. At least annually during
the Employment Period, the Board of Directors of the Company and the Bank, or
the Compensation Committees thereof, shall review the Executive's annual rate of
salary and may, in its discretion, approve an increase therein. In no event
shall the Executive's annual rate of salary under this Agreement in effect at a
particular time be reduced without his prior written consent. In addition to
salary, the Executive may receive other cash compensation from the Company and
the Bank for services hereunder at such times, in such amounts and on such terms
and conditions as the Board may determine from time to time. Such amount shall
generally be computed as a percentage (to be determined by the mutual agreement
of the Executive and the Company and the Bank) of the Company's quarterly
consolidated net income before taxes (excluding extraordinary items as defined
in APB #30 and excluding restructuring charges and other charges relating to
mergers, acquisitions or transactions of similar effect).

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<PAGE>

         SECTION 5. EMPLOYEE BENEFIT PLANS AND PROGRAMS.

         (a) During the Employment Period, the Executive shall be treated as an
employee of the Company and the Bank and shall be entitled to participate in and
receive benefits under any and all qualified or non-qualified retirement,
pension, savings, profit-sharing or stock bonus plans, any and all group life,
health (including hospitalization, medical and major medical), dental, accident
and long term disability insurance plans, and any other employee benefit and
compensation plans (including, but not limited to, any incentive compensation
plans or programs, stock option and appreciation rights plans and restricted
stock plans) as may from time to time be maintained by, or cover employees of,
the Company or the Bank, in accordance with the terms and conditions of such
employee benefit plans and programs and compensation plans and programs and
consistent with the Company's and the Bank's customary practices.

         (b) The Company or the Bank shall own and pay the costs of premiums on
life insurance insuring the life of the Executive in an amount not less than
$200,000, and the Company or Bank shall designate the beneficiary of such policy
as such person or persons named by the Executive from time to time.

         SECTION 6. INDEMNIFICATION AND INSURANCE.

         (a) During the Employment Period, the Company and the Bank shall cause
the Executive to be covered by and named as an insured under any policy or
contract of insurance obtained by it to insure its directors and officers
against personal liability for acts or omissions in connection with service as
an officer or director of the Company and the Bank or service in other
capacities at the request of the Company or the Bank. The coverage provided to
the Executive pursuant to this section 6 shall be of the same scope and on the
same terms and conditions as the coverage (if any) provided to other officers or
directors of the Company and the Bank.

         (b) To the maximum extent permitted under applicable law, during the
Employment Period, the Company and the Bank shall indemnify the Executive
against, and hold him harmless from, any costs, liabilities, losses and
exposures to the fullest extent and on the most favorable terms and conditions
that similar indemnification is offered to any director or officer of the
Company or the Bank or any subsidiary or affiliate of either of them.

         SECTION 7. OTHER ACTIVITIES.

         The Executive may serve as a member of the boards of directors of such
business, community and charitable organizations as he may disclose to and as
may be approved by the President of the Company or the Bank (which approval
shall not be unreasonably withheld); PROVIDED, HOWEVER, that such service shall
not materially interfere with the performance of his duties under this
Agreement. The Executive may also engage in personal business and investment
activities which do not materially interfere with the performance of his duties
hereunder; PROVIDED, HOWEVER, that such activities are not prohibited under any
code of conduct or investment or securities trading policy established by the
Company or the Bank and generally applicable to all similarly situated
executives.

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         SECTION 8. WORKING FACILITIES AND EXPENSES.

         The Executive's principal place of employment shall be at the Company's
and the Bank's executive offices at the address first above written, or at such
other location within Palm Beach County or Broward County, Florida at which the
Bank shall maintain its principal executive offices, or at such other location
as the Company, the Bank and the Executive may mutually agree upon. The Company
and the Bank shall provide the Executive at his principal place of employment
with a private office, secretarial services and other support services and
facilities suitable to his positions with the Company and the Bank and necessary
or appropriate in connection with the performance of his assigned duties under
this Agreement. The Bank shall provide to the Executive for his exclusive use an
automobile owned or leased by the Bank and appropriate to his position, to be
used in the performance of his duties hereunder. All costs of operation,
maintenance and insurance shall be paid by the Bank. The Executive shall account
for the use and expenses of the automobile in accordance with the policies and
procedures of the Bank in effect from time to time. The Bank shall reimburse the
Executive for his ordinary and necessary business expenses, including, without
limitation, all expenses associated with his business use of the aforementioned
automobile, fees for memberships in such clubs and organizations as the
Executive and the Bank shall mutually agree are necessary and appropriate for
business purposes, and his travel and entertainment expenses incurred in
connection with the performance of his duties under this Agreement, in each case
upon presentation to the Bank of an itemized account of such expenses in such
form as the Bank may reasonably require.

         SECTION 9. TERMINATION OF EMPLOYMENT WITH SEVERANCE BENEFITS.

         (a) The Executive shall be entitled to the severance benefits described
herein in the event that his employment with the Company and the Bank terminate
during the Employment Period under any of the following circumstances:

         (i)      the Executive's voluntary resignation from employment with the
         Company and the Bank within ninety (90) days following:

                  (A) the failure of the Board of Directors of the Company or
                  the Bank to appoint or re-appoint or elect or re-elect the
                  Executive to the offices of Senior Executive Vice President
                  and Chief Financial Officer (or a more senior office, if any)
                  of the Company and the Bank;

                  (B) the expiration of a thirty (30) day period following the
                  date on which the Executive gives written notice to the
                  Company and the Bank of its material failure, whether by
                  amendment of the Company's or the Bank's Articles of
                  Incorporation or By-laws, action of the Company's or the
                  Bank's Board of Directors or the Company's or the Bank's
                  stockholders or otherwise, to vest in the Executive the
                  functions, duties, or responsibilities prescribed in section 3
                  of this Agreement as of the date hereof;

                  (C) the expiration of a thirty (30) day period following the
                  date on which the Executive gives written notice to the
                  Company or the Bank of its material breach of any term,
                  condition or covenant contained in this Agreement (including,
                  without limitation, any reduction of the Executive's rate of
                  base salary in effect from time to time and any change in the
                  terms and conditions of any

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                  compensation or benefit program in which the Executive
                  participates which, either individually or together with other
                  changes, has a material adverse effect on the aggregate value
                  of his total compensation package), unless, during such thirty
                  (30) day period, the Company or the Bank cures such failure in
                  a manner determined by the Executive, in his discretion, to be
                  satisfactory; or

                  (D) the relocation of the Executive's principal place of
                  employment, without his written consent, to a location outside
                  of Palm Beach County or Broward County, Florida; or

                  (E) the failure of the stockholders of the Company or Bank to
                  elect or re-elect the Executive to the Board of Directors of
                  the Company or the Bank, respectively, or the failure of the
                  Board of Directors of the Company or the Bank (or the
                  nominating committees thereof) to nominate the Executive for
                  such election or re-election;

         (ii)     the termination of the Executive's employment with the Company
         or the Bank for any other reason not described in section 10(a).

In such event, the Company or the Bank (in such proportions as they may mutually
agree upon) shall provide the benefits and pay to the Executive the amounts
described in section 9(b).

         (b) Upon the termination of the Executive's employment with the Company
and the Bank under circumstances described in section 9(a) of this Agreement,
the Company and the Bank (in such proportions as they may mutually agree upon)
shall pay and provide to the Executive (or, in the event of his death following
such termination, to his estate):

                  (i) his earned but unpaid compensation as of the date of the
         termination of his employment with the Company and the Bank, such
         payment to be made at the time and in the manner prescribed by law
         applicable to the payment of wages but in no event later than thirty
         (30) days after termination of employment;

                  (ii) the benefits, if any, to which he is entitled as a former
         employee under the employee benefit plans and programs and compensation
         plans and programs maintained for the benefit of the Company's or the
         Bank's officers and employees;

                  (iii) continued group life, health (including hospitalization,
         medical and major medical), dental, accident and long term disability
         insurance benefits, in addition to that provided pursuant to section
         9(b)(ii), and after taking into account the coverage provided by any
         subsequent employer, if and to the extent necessary to provide for the
         Executive, for a period of three years from the date his employment
         terminates, coverage equivalent to the coverage to which he would have
         been entitled under such plans (as in effect on the date of his
         termination of employment, or, if his termination of employment occurs
         after a Change of Control, on the date of such Change of Control,
         whichever benefits are greater), if he had continued working for the
         Company and Bank during the Remaining

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         Unexpired Employment Period at the highest annual rate of compensation
         achieved during that portion of the Employment Period which is prior to
         the Executive's termination of employment with the Company and the
         Bank;

                  (iv) within thirty (30) days following his termination of
         employment with the Company and the Bank, a lump sum payment in an
         amount equal to the salary that the Executive would have earned if he
         had continued working for the Company and the Bank for a period of
         three years from the date his employment terminates at the highest
         annual rate of salary achieved during that portion of the Employment
         Period which is prior to the Executive's termination of employment with
         the Company and the Bank, such lump sum to be paid in lieu of all other
         payments of salary provided for under this Agreement in respect of the
         period following any such termination;

                  (v) within thirty (30) days following his termination of
         employment with the Company and the Bank, a lump sum payment in an
         amount equal to the excess, if any, of:

                           (A) the present value of the aggregate benefits to
                  which he would be entitled under any and all qualified and
                  non-qualified defined benefit pension plans maintained by, or
                  covering employees of, the Company or the Bank, if he were
                  100% vested thereunder and had continued working for the
                  Company and the Bank for a period of three years from the date
                  his employment terminates, such benefits to be determined as
                  of the date of termination of employment by adding to the
                  service actually recognized under such plans an additional
                  period equal to the Remaining Unexpired Employment Period and
                  by adding to the compensation recognized under such plans for
                  the most recent year recognized all amounts payable under
                  sections 9(b)(i), (iv), and (vii); over

                           (B) the present value of the benefits to which he is
                  actually entitled under such defined benefit pension plans as
                  of the date of his termination;

         where such present values are to be determined using the mortality
         tables prescribed under section 415(b)(2)(E)(v) of the Code and a
         discount rate, compounded monthly, equal to the annualized rate of
         interest prescribed by the Pension Benefit Guaranty Corporation for the
         valuation of immediate annuities payable under terminating
         single-employer defined benefit plans for the month in which the
         Executive's termination of employment occurs ("Applicable PBGC Rate");

                  (vi) within thirty (30) days following his termination of
         employment with the Company and the Bank, a lump sum payment in an
         amount equal to the present value of the additional employer
         contributions (or if greater in the case of a leveraged employee stock
         ownership plan or similar arrangement, the additional assets allocable
         to him through debt service, based on the fair market value of such
         assets at termination of employment) to which he would have been
         entitled under any and all qualified and non-qualified defined
         contribution plans maintained by, or covering employees of, the Company
         or the Bank, as if

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         he were 100% vested thereunder and had continued working for the
         Company and the Bank for a period of three years from the date his
         employment terminates at the highest annual rate of compensation
         achieved during that portion of the Employment Period which is prior to
         the Executive's termination of employment with the Company and the
         Bank, and making the maximum amount of employee contributions, if any,
         required under such plan or plans, such present value to be determined
         on the basis of a discount rate, compounded using the compounding
         period that corresponds to the frequency with which employer
         contributions are made to the relevant plan, equal to the Applicable
         PBGC Rate;

                  (vii) within thirty (30) days following his termination of
         employment with the Company and the Bank, a lump sum payment in an
         amount equal to three times the higher of (A) the highest cash
         incentive compensation or bonus (annualized, if paid for a period other
         than annually) paid to the Executive during or accrued with respect to
         the Executive for either (i) any of the two years immediately preceding
         that in which, or (ii) the year in which, Executive's employment with
         the Company and the Bank terminates, or (B) the highest cash incentive
         compensation or bonus (annualized, if paid for a period other than
         annually) so paid or accrued in respect of either (x) any of the two
         years immediately preceding that in which, or (y) the year in which, a
         Change of Control (as hereinafter defined) occurs.

The Company, the Bank and the Executive hereby stipulate that the damages which
may be incurred by the Executive following any such termination of employment
are not capable of accurate measurement as of the date first above written and
that the payments and benefits contemplated by this section 9(b) constitute
reasonable damages under the circumstances and shall be payable without any
requirement of proof of actual damage and without regard to the Executive's
efforts, if any, to mitigate damages. The Company, the Bank and the Executive
further agree that the Company and the Bank may condition the payments and
benefits (if any) due under sections 9(b)(iii), (iv), (v), (vi) and (vii) on the
receipt of the Executive's resignation from any and all positions which he holds
as an officer, director or committee member with respect to the Company, the
Bank or any subsidiary or affiliate of either of them.

         SECTION 10. TERMINATION WITHOUT ADDITIONAL COMPANY OR BANK LIABILITY.

         (a) In the event that the Executive's employment with the Company and
the Bank shall terminate during the Employment Period on account of:

                  (i) the discharge of the Executive for "cause," which, for
         purposes of this Agreement (I) prior to a Change of Control (as
         hereinafter defined) shall mean: (A) gross negligence or willful
         misconduct by the Executive in connection with his employment hereunder
         or the business of the Company and the Bank; (B) the Executive's
         misappropriation of the Company's or the Bank's assets or property; (C)
         the Executive willfully fails or refuses to perform his duties under
         this Agreement, or fails to comply with any material term, covenant or
         condition contained herein; (D) the Executive breaches his fiduciary
         duties to the Company or the Bank for personal profit; or (E) the
         Executive's willful breach or violation of any law, rule or regulation
         (other

                                       7
<PAGE>

         than traffic violations or similar offenses), or final cease and desist
         order in connection with his performance of services for the Company or
         the Bank; and (II), upon and after a Change of Control, shall mean (A)
         the Executive intentionally engages in dishonest conduct in connection
         with his performance of services for the Company or the Bank resulting
         in his conviction of a felony; (B) the Executive is convicted of, or
         pleads guilty or nolo contendere to, a felony or any crime involving
         moral turpitude; (C) the Executive willfully fails or refuses to
         perform his duties under this Agreement and fails to cure such breach
         within sixty (60) days following written notice thereof from the
         Company or the Bank; (D) the Executive breaches his fiduciary duties to
         the Company or the Bank for personal profit; or (E) the Executive's
         willful breach or violation of any law, rule or regulation (other than
         traffic violations or similar offenses), or final cease and desist
         order in connection with his performance of services for the Company or
         the Bank;

                  (ii) the Executive's voluntary resignation from employment
         with the Company and the Bank for reasons other than those specified in
         section 9(a) or 11(b);

                  (iii) the Executive's death; or

                  (iv) a determination that the Executive is eligible for
         long-term disability benefits under the Bank's long-term disability
         insurance program or, if there is no such program, under the federal
         Social Security Act;

then the Company and the Bank shall have no further obligations under this
Agreement, other than the payment to the Executive (or, in the event of his
death, to his estate) of his earned but unpaid compensation as of the date of
the termination of his employment, and the provision of such other benefits, if
any, to which he is entitled as a former employee under the employee benefit
plans and programs and compensation plans and programs maintained by, or
covering employees of, the Company or the Bank; PROVIDED, HOWEVER, that, in the
event of the Executive's death, the Company or the Bank shall pay to his estate
an amount equal to three months' cash compensation within thirty days of the
appointment of the executor of such estate.

         SECTION 11. TERMINATION UPON OR FOLLOWING A CHANGE OF CONTROL

         (a) A Change of Control ("Change of Control") shall be deemed to have
occurred upon the happening of any of the following events:

                  (i) approval by the stockholders of the Company of a
         transaction that would result in the reorganization, merger or
         consolidation of the Company with one or more other persons, other than
         a transaction following which:

                           (A) at least 50.1% of the common stock or equity
                  ownership interests of the entity resulting from such
                  transaction are beneficially owned (within the meaning of Rule
                  13d-3 promulgated under the Exchange Act) in substantially the
                  same relative proportions by persons who, immediately prior to
                  such transaction, beneficially owned (within the meaning of
                  Rule 13d-3 promulgated under the Exchange Act) at least 50.1%
                  of the

                                       8
<PAGE>

                  outstanding common stock or equity ownership interests in the
                  Company; and

                           (B) At least 50.1% of the combined voting power of
                  the securities entitled to vote generally in the election of
                  directors of the entity resulting from such transaction are
                  beneficially owned (within the meaning of Rule 13d-3
                  promulgated under the Exchange Act) in substantially the same
                  relative proportions by persons who, immediately prior to such
                  transaction, beneficially owned (within the meaning of Rule
                  13d-3 promulgated under the Exchange Act) at least 50.1% of
                  the combined voting power of the securities entitled to vote
                  generally in the election of directors of the Company; and

                           (C) No person, or persons acting in concert,
                  beneficially own (within the meaning of Rule 13d-3 promulgated
                  under the Exchange Act) 20% or more of the outstanding common
                  stock or equity ownership interests in, or 20% or more of the
                  combined voting power of the securities entitled to vote
                  generally in the election of directors of, the entity
                  resulting from such transaction; and

                           (D) At least a majority of the members of the board
                  of directors of the entity resulting from such transaction are
                  individuals who were described in sections 11(a)(iv)(A) or (B)
                  of this Agreement as of the date of execution of the initial
                  definitive agreement providing for such transaction (or, if
                  earlier, as of the date on which the Board of Directors of the
                  Company authorized such transaction).

                  (ii) the acquisition of all or substantially all of the assets
         of the Company or beneficial ownership (within the meaning of Rule
         13d-3 promulgated under the Exchange Act) of 20% or more of the
         outstanding securities or of the combined voting power of the
         outstanding securities of the Company entitled to vote generally in the
         election of directors by any person or by any persons acting in
         concert, or approval by the stockholders of the Company of any
         transaction which would result in such an acquisition;

                  (iii) a complete liquidation or dissolution of the Company, or
         approval by the stockholders of the Company of a plan for such
         liquidation or dissolution; or

                  (iv) the occurrence of any event if, immediately following
         such event, at least 50% of the members of the board of directors of
         the Company do not belong to any of the following groups:

                           (A) individuals who were members of the Board of the
                  Company on the date of this Agreement; or

                           (B) individuals who first became members of the Board
                  of the Company after the date of this Agreement either:

                                    (I) upon election to serve as a member of
                           the Board of directors of the Company by affirmative
                           vote of

                                       9
<PAGE>

                           three-quarters of the members of such Board, or of a
                           nominating committee thereof, in office at the time
                           of such first election; or

                                    (II) upon election by the stockholders of
                           the Company to serve as a member of the Board of the
                           Company, but only if nominated for election by
                           affirmative vote of three-quarters of the members of
                           the board of directors of the Company, or of a
                           nominating committee thereof, in office at the time
                           of such first nomination;

                  PROVIDED, HOWEVER, that such individual's election or
                  nomination did not result from an actual or threatened
                  election contest (within the meaning of Rule 14a-11 of
                  Regulation 14A promulgated under the Exchange Act) or other
                  actual or threatened solicitation of proxies or consents
                  (within the meaning of Rule 14a-11 of Regulation 14A
                  promulgated under the Exchange Act) other than by or on behalf
                  of the Board of the Company; or

                  (v) any event which would be described in section 11(a)(i),
         (ii), (iii) or (iv) if the term "Bank" were substituted for the term
         "Company" therein.

In no event, however, shall a Change of Control be deemed to have occurred as a
result of any acquisition of securities or assets of the Company, the Bank, or a
subsidiary of either of them, by the Company, the Bank, or a subsidiary of
either of them, or by any employee benefit plan maintained by any of them. For
purposes of this section 11(a), the term "person" shall have the meaning
assigned to it under sections 13(d)(3) or 14(d)(2) of the Exchange Act.

         (b) In the event of a Change of Control, the Executive shall be
entitled to the payments and benefits contemplated by section 9(b) in the event
of his termination of employment with the Bank under any of the circumstances
described in section 9(a) of this Agreement or under any of the following
circumstances:

                  (i) resignation, voluntary or otherwise, by the Executive at
         any time during the Employment Period following his demotion, loss of
         title, office or significant authority or responsibility, or following
         any reduction in any element of his package of compensation and
         benefits;

                  (ii) resignation, voluntary or otherwise, by the Executive at
         any time during the Employment Period following any relocation of his
         principal place of employment or any change in working conditions at
         such principal place of employment which the Executive, in his
         reasonable discretion, determines to be embarrassing, derogatory or
         otherwise adverse;

                  (iii) resignation, voluntary or otherwise, by the Executive at
         any time during the Employment Period following the failure of any
         successor to the Company or the Bank in the Change of Control to
         include the Executive in any compensation or benefit program maintained
         by it or covering any of its executive officers, unless the Executive
         is already covered by a substantially similar plan of the Company or
         the Bank which is at least as favorable to him; or

                                       10
<PAGE>

                  (iv) resignation, voluntary or otherwise, for any reason
         whatsoever within 90 days following the effective date of the Change of
         Control, PROVIDED, HOWEVER, that if the Change of Control is of the
         type described in Section 11(a) (1), such 90 day period shall not be
         deemed to commence until the actual consummation of the transaction
         approved by the stockholders.

         SECTION 12. TAX INDEMNIFICATION.

         (a) This section 12 shall apply if the Executive's employment is
terminated upon or following (i) a Change of Control (as defined in section 11
of this Agreement); or (ii) a change "in the ownership or effective control" of
the Company or the Bank or "in the ownership of a substantial portion of the
assets" of the Company or the Bank within the meaning of section 280G of the
Code. If this section 12 applies, then, if, for any taxable year, the Executive
shall be liable for the payment of an excise tax under section 4999 of the Code
with respect to any payment in the nature of compensation made by the Company,
the Bank or any direct or indirect subsidiary or affiliate of the Company or the
Bank to (or for the benefit of) the Executive, the Company or the Bank shall pay
to the Executive an amount equal to X determined under the following formula:

                  X =               E x P
                      ------------------------------------
                      1 - [(FI x (1 - SLI)) + SLI + E + M]

         where

         E =      the rate at which the excise tax is assessed under section
                  4999 of the Code;

         P =      the amount with respect to which such excise tax is
                  assessed, determined without regard to this section 12;

         FI =     the highest marginal rate of income tax applicable to the
                  Executive under the Code for the taxable year in question;

         SLI =    the sum of the highest marginal rates of income tax
                  applicable to the Executive under all applicable state and
                  local laws for the taxable year in question; and

         M =      the highest marginal rate of Medicare tax applicable to the
                  Executive under the Code for the taxable year in question.

With respect to any payment in the nature of compensation that is made to (or
for the benefit of) the Executive under the terms of this Agreement, or
otherwise, and on which an excise tax under section 4999 of the Code will be
assessed, the payment determined under this section 12(a) shall be made to the
Executive on the earlier of (i) the date the Company, the Bank or any direct or
indirect subsidiary or affiliate of the Company or the Bank is required to
withhold such tax, or (ii) the date the tax is required to be paid by the
Executive. The determination of the amount due hereunder shall be made by Ernst
& Young, or such other accounting firm as the parties may mutually agree upon
(the "Accounting Firm"). In the event that the Accounting Firm is serving as
accountant or auditor for the individual, entity or group effecting the Change
of Control the parties shall appoint another nationally recognized accounting
firm to make the determination required hereunder (which accounting firm shall
then be referred to as the Accounting

                                       11
<PAGE>

Firm hereunder). All fees and expenses of the Accounting Firm shall be borne
solely by the Company.

         (b) Notwithstanding anything in this section 12 to the contrary, in the
event that the Executive's liability for the excise tax under section 4999 of
the Code for a taxable year is subsequently determined to be different than the
amount determined by the formula (X + P) x E, where X, P and E have the meanings
provided in section 12(a), the Executive or the Company or Bank, as the case may
be, shall pay to the other party at the time that the amount of such excise tax
is finally determined, an appropriate amount, plus interest, such that the
payment made under section 12(a), when increased by the amount of the payment
made to the Executive under this section 12(b) by the Company or the Bank, or
when reduced by the amount of the payment made to the Company or Bank under this
section 12(b) by the Executive, equals the amount that should have properly been
paid to the Executive under section 12(a). The interest paid under this section
12(b) shall be determined at the rate provided under section 1274(b)(2)(B) of
the Code. To confirm that the proper amount, if any, was paid to the Executive
under this section 12, the Executive shall furnish to the Company and the Bank a
copy of each tax return which reflects a liability for an excise tax payment
made by the Company or the Bank, at least 20 days before the date on which such
return is required to be filed with the Internal Revenue Service.

         (c) The Executive shall notify the Company and the Bank in writing of
any claim by the Internal Revenue Service that, if successful, would require the
payment by the Company of additional amounts hereunder. Such notification shall
be given as soon as practicable but no later than ten business days after the
Executive is informed in writing of such claim and shall apprise the Company and
the Bank of the nature of such claim and the date on which such claim is
requested to be paid. The Executive shall not pay such claim prior to the
expiration of the thirty day period following the date on which it gives such
notice that any payment of taxes with respect to such claim is due. If the
Company or the Bank notifies the Executive in writing prior to the expiration of
such period that it desires to contest such claim, the Executive shall:

         (i)      give the Company or the Bank any information reasonably
                  requested by the Company or the Bank relating to such claim;

         (ii)     take such action in connection with contesting such claim as
                  the Company or the Bank shall reasonably request in writing
                  from time to time, including, without limitation, accepting
                  legal representation with respect to such claim by an attorney
                  reasonably selected by the Company or the Bank;

         (iii)    cooperate with the Company or the Bank in good faith in order
                  effectively to contest such claim; and

         (iv)     permit the Company and the Bank to participate in any
                  proceedings relating to such claim;

PROVIDED, HOWEVER, that the Company or the Bank shall bear and pay directly all
costs and expenses (including additional interest and penalties) incurred in
connection with such contest and shall indemnify and hold the Executive
harmless, on an after-tax basis, for any excise tax or income tax (including
interest and penalties with respect thereto) imposed as a result of such
representation and payment of costs and expenses. Notwithstanding the foregoing,
the Executive shall control the conduct of any such proceeding and all decisions
relating to the settlement or other disposition thereof.

         (d) The provisions of this section 12 are designed to reflect the
provisions of applicable federal, state and local tax laws in effect on the date
of this Agreement. If, after the date hereof, there shall be any change in any
such laws, this section 12 shall

                                       12
<PAGE>

be modified in such manner as the Executive and the Company and the Bank may
mutually agree upon if and to the extent necessary to assure that the Executive
is fully indemnified against the economic effects of the tax imposed under
section 4999 of the Code or any similar federal, state or local tax.

         SECTION 13. CONFIDENTIALITY.

         Unless he obtains the prior written consent of the Company and the
Bank, the Executive shall keep confidential and shall refrain from using for the
benefit of himself, or any person or entity other than the Company or any entity
which is a subsidiary of the Company or of which the Company is a subsidiary,
any material document or information obtained from the Company, or from its
parent or subsidiaries, in the course of his employment with any of them
concerning their properties, operations or business (unless such document or
information is readily ascertainable from public or published information or
trade sources or has otherwise been made available to the public through no
fault of his own) until the same ceases to be material (or becomes so
ascertainable or available); PROVIDED, HOWEVER, that nothing in this section 13
shall prevent the Executive, with or without the Company's or the Bank's
consent, from participating in or disclosing documents or information in
connection with any judic or administrative investigation, inquiry or proceeding
to the extent that such participation or disclosure is required under applicable
law.

         SECTION 14. NO EFFECT ON EMPLOYEE BENEFIT PLANS OR PROGRAMS.

         The termination of the Executive's employment during the term of this
Agreement or thereafter, whether by the Bank, the Company or by the Executive,
shall have no effect on the rights and obligations of the parties hereto under
the Company's or the Bank's qualified or non-qualified retirement, pension,
savings, thrift, profit-sharing or stock bonus plans, group life, health
(including hospitalization, medical and major medical), dental, accident and
long term disability insurance plans or such other employee benefit plans or
programs, or compensation plans or programs, as may be maintained by, or cover
employees of, the Company or the Bank from time to time.

         SECTION 15. HEALTH AND MAJOR MEDICAL INSURANCE.

         (a) Notwithstanding anything herein to the contrary, upon the first to
occur of (i) a Change of Control (excluding a Change of Control in connection
with which Executive enters into any employment agreement with the Company or
the acquiring entity with a term of at least three years), (ii) termination of
Executive's employment hereunder by the Company or Bank other than for cause, or
(iii) termination of Executive's employment by reason of retirement at age 65
(or at age 55 through age 64 provided that a majority of the Board of Directors
of the Company confirms that this subsection 15(a) shall be effective in
connection with the retirement), the Company or the Bank shall thereafter
provide Executive with health and major medical insurance through the date on
which Executive shall be eligible to receive Medicare (or any successor
governmental health insurance program) and, after such eligibility date,
Medicare supplemental insurance for life. The Company or the Bank shall not
provide such health and medical insurance during any period, after a termination
of Executive's employment by the Company or Bank other than for cause, during
which Executive is employed by an employer which provides health and major
medical insurance in which Executive is qualified to participate. If insurance
is provided to Executive under this subsection 15(a), the Company's or the
Bank's obligation to provide Executive any such

                                       13
<PAGE>

health or major medical insurance otherwise referred to in this Agreement shall
terminate.

         (b) The Company and the Bank shall not be obligated to provide any
insurance pursuant to subsection 15(a) to the extent that the cost thereof
exceeds the amount which would accrue at the rate of $7,700 per annum from
October 1, 1995. In the event the cost of such insurance exceeds such accrual,
Executive, at his option, may continue the insurance by paying, at his own
expense, the amount in excess of such accrual.

         SECTION 16. SUCCESSORS AND ASSIGNS.

         This Agreement will inure to the benefit of and be binding upon the
Executive, his legal representatives and testate or intestate distributees, and
the Company and the Bank and their respective successors and assigns, including
any successor by merger or consolidation or a statutory receiver or any other
person or firm or corporation to which all or substantially all of the assets
and business of the Company or the Bank may be sold or otherwise transferred.

         SECTION 17. NOTICES.

         Any communication required or permitted to be given under this
Agreement, including any notice, direction, designation, consent, instruction,
objection or waiver, shall be in writing and shall be deemed to have been given
at such time as it is delivered personally, or five (5) days after mailing if
mailed, postage prepaid, by registered or certified mail, return receipt
requested, or one (1) day after it is sent by reputable overnight delivery
service, addressed to such party at the address listed below or at such other
address as one such party may by written notice specify to the other party:

         If to the Executive:

                  Richard J. Haskins
                  1181 Morse Blvd.
                  Singer Island, FL 33404

         If to the Company:

                  Republic Security Financial Corporation
                  450 S. Australian Avenue
                  West Palm Beach, FL 33401
                  Attention: Rudy E. Schupp, Chairman & CEO

         If to the Bank:

                  Republic Security Bank
                  450 S. Australian Avenue
                  West Palm Beach, FL 33401
                  Attention: Rudy E. Schupp, Chairman & CEO

         SECTION 18. INDEMNIFICATION FOR ATTORNEYS' FEES.

                                       14
<PAGE>

         The Bank and the Company shall indemnify, hold harmless and defend the
Executive against reasonable costs, including legal fees, incurred by him in
connection with or arising out of any action, suit or proceeding in which he may
be involved, as a result of his efforts, in good faith, to defend or enforce the
terms of this Agreement.

         SECTION 19. SEVERABILITY.

         A determination that any provision of this Agreement is invalid or
unenforceable shall not affect the validity or enforceability of any other
provision hereof.

         SECTION 20. WAIVER.

         Failure to insist upon strict compliance with any of the terms,
covenants or conditions hereof shall not be deemed a waiver of such term,
covenant, or condition. A waiver of any provision of this Agreement must be made
in writing, designated as a waiver, and signed by the party against whom its
enforcement is sought. Any waiver or relinquishment of any right or power
hereunder at any one or more times shall not be deemed a waiver or
relinquishment of such right or power at any other time or times.

         SECTION 21. COUNTERPARTS.

         This Agreement may be executed in two (2) or more counterparts, each of
which shall be deemed an original, and all of which shall constitute one and the
same Agreement.

         SECTION 22. GOVERNING LAW.

         This Agreement shall be governed by and construed and enforced in
accordance with the laws of the State of Florida applicable to contracts entered
into and to be performed entirely within the State of Florida.

         SECTION 23. HEADINGS AND CONSTRUCTION.

         The headings of sections in this Agreement are for convenience of
reference only and are not intended to qualify the meaning of any section. Any
reference to a section number shall refer to a section of this Agreement, unless
otherwise stated.

                                       15
<PAGE>

         SECTION 24. ENTIRE AGREEMENT; MODIFICATIONS.

         This instrument contains the entire agreement of the parties relating
to the subject matter hereof, and supersedes in its entirety any and all prior
agreements, understandings or representations relating to the subject matter
hereof, PROVIDED, HOWEVER, that any options granted to the Executive in any
agreement entered into prior to the date hereof in any agreement styled as an
Employment Agreement shall remain available for exercise by the Executive in
accordance with the terms thereof. No modifications of this Agreement shall be
valid unless made in writing and signed by the parties hereto.

         SECTION 25. SURVIVAL.

         The provisions of sections 6, 9, 10, 11, 12, 13, 14, 15, 18, 20, 22, 26
and 27 shall survive the expiration of the Employment Period or termination of
this Agreement.

         SECTION 26. EQUITABLE REMEDIES.

         The Company, the Bank and the Executive hereby stipulate that money
damages are an inadequate remedy for violations of sections 6(a), or 13 of this
Agreement and agree that equitable remedies, including, without limitations, the
remedies of specific performance and injunctive relief, shall be available with
respect to the enforcement of such provisions.

         SECTION 27. REQUIRED REGULATORY PROVISION.

         (a) Notwithstanding anything herein contained to the contrary, any
payments to the Executive by the Company or the Bank, whether pursuant to this
Agreement or otherwise, are subject to and conditioned upon their compliance
with section 18(k) of the Federal Deposit Insurance Act, 12 U.S.C. 1828(k), and
any regulations promulgated thereunder.

         (b) Nothing in this Agreement shall be construed to subject the Bank or
its assets to any contractual obligation undertaken by the Company hereunder or
to liability for any breach by the Company.

                                       16
<PAGE>

         IN WITNESS WHEREOF, the Company and the Bank have caused this Agreement
to be executed and the Executive has hereunto set his hand, all as of the day
and year first above written.

REPUBLIC SECURITY FINANCIAL CORPORATION

By: /s/ Rudy E. Schupp
    --------------------------------------
        Rudy E. Schupp
        Chairman, President & CEO

REPUBLIC SECURITY BANK

By: /s/ Rudy E. Schupp
    --------------------------------------
        Rudy E. Schupp
        Chairman, President & CEO

    /s/ Richard J. Haskins
    --------------------------------------
        Richard J. Haskins

                                       17

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