Document:

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                                                                    Exhibit 10.9

                                                     Agreement Number:

                                   AGREEMENT

                                    between

                             Fiserv Solutions, Inc.
                                255 Fiserv Drive
                           Brookfield, WI 53045-5815

                                      and

                                 Westsound Bank
                               190 Pacific Avenue
                              Bremerton, WA 98337

                             Date: August 11, 2006

                                 [FISERVE LOGO]

                   @ Copyright 2000 by Fiserv Solutions, Inc.
                              All Rights Reserved

This document contains proprietary and confidential information of Fiserv
Solutions, Inc. and may not be copied, published, disclosed or distributed
without the express written consent of Fiserv Solutions, Inc. The material in
this document, including terms, procedures, fees and other conditions, comprise
an agreement to consider which will remain valid for ninety (90) days from July
26, 2006.
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AGREEMENT dated as of August 11, 2006 ("Agreement") between FISERV SOLUTIONS,
INC., a Wisconsin corporation ("Fiserv"), and Westsound Bank ("Client").

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     Fiserv and Client hereby agree as follows:

     1.   Term. ***

     2.   Services. (a) Services Generally. Fiserv, itself and through its
affiliates, agrees to provide Client, and Client agrees to obtain from Fiserv
services ("Services") and products ("Products") (collectively, "Fiserv
Services") described in the attached Exhibits:

          Exhibit A - Account Processing Services
          Exhibit B - Item Processing services
          Exhibit C - EFT Services
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          The Exhibits set forth specific terms and conditions applicable to
the Services and/or Products, and, where applicable, the Fiserv affiliate so
performing. Client may select additional services and products from time to
time by incorporating an appropriate Exhibit to this Agreement.

          (b) Implementation Services. Fiserv will provide services (i) to
convert Client's existing applicable data and/or information to the Fiserv
Services; and/or (ii) to implement the Fiserv Services. These activities are
referred to as "Implementation Services". Client agrees to cooperate with Fiserv
in connection with Fiserv's provision of Implementation Services and to provide
all necessary information and assistance to facilitate the conversion and/or
implementation. Client is responsible for all out-of-pocket expenses associated
with Implementation Services. Fiserv will provide Implementation Services as
required in connection with Fiserv Services.

          (c) Training Services. Fiserv shall provide training, training aids,
user manuals, and other documentation for Client's use as Fiserv finds necessary
to enable Client personnel to become familiar with Fiserv Services. If requested
by Client, classroom training in the use and operation of Fiserv Services will
be provided at a training facility designated by Fiserv. All such training aids
and manuals remain Fiserv's property.

          3.  Fees for Fiserv Services. (a) General. Client agrees to pay
Fiserv:

          (i)   Fees for Fiserv Services for the month as specified in the
          Exhibits;
          (ii)  out-of-pocket charges for the month payable by Fiserv
          for the account of Client; and
          (iii) Taxes (as defined below) thereon (collectively, "Fees").

Fiserv shall timely reconcile Fees paid by Client for the Fiserv Services for
the month and the fees and charges actually due Fiserv based on Client's actual
use of Fiserv Services for such month. Fiserv shall either issue a credit to
Client or provide Client with an invoice for any additional fees or other
charges owed. Fiserv may change the amount of Fees billed to reflect
appropriate changes in actual use of Fiserv Services. Fees may be increased
from time to time as set forth in the Exhibits. Upon notification to and
acceptance by Client, Fiserv may increase its fees in excess of amounts listed
in the Exhibits in the event that Fiserv implements major system enhancements
to comply with changes in law, government regulation, or industry practices.

          (b) Additional Charges. Fees for out-of-pocket expenses, such as
telephone, microfiche, courier, and other charges incurred by Fiserv for goods
or services obtained by Fiserv on Client's behalf shall be billed to Client at
cost plus the applicable Fiserv administrative fee as set forth in the
Exhibits. Such out-of-pocket expenses may be changed from time to time upon
notification of a fee change from a vendor/provider. The Fees do not include,
and Client shall be responsible for, furnishing

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Westsound Bank  August 11, 2006                                    [FISERV LOGO]

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transportation or transmission of information between Fiserv's service
center(s), Client's site(s), and any applicable clearing house, regulatory
agency, or Federal Reserve Bank.

     (c) Taxes.  Fiserv shall add to each invoice any sales, use, excise, value
added, and other taxes and duties however designated that are levied by any
taxing authority relating to the Fiserv Services ("Taxes"). In no event shall
"Taxes" include taxes based upon Fiserv's net income.

     (d) Payment Terms.  Estimated Fees are due and payable monthly upon
receipt of invoice. Client shall pay Fiserv through the Automated Clearing
House. In the event any amounts due remain unpaid beyond the 30th day after
payment is due, Client shall pay a late charge of 1.5% per month. Client agrees
that it shall neither make nor assert any right of deduction or set-off from
Fees on invoices submitted by Fiserv for Fiserv Services.

     4.  Access to Fiserv Services.  (a) Procedures.  Client agrees to comply
with applicable regulatory requirements and procedures for use of Services
established by Fiserv.

     (b) Changes.  Fiserv continually reviews and modifies Fiserv systems used
in the delivery of Services (the "Fiserv System") to improve service and comply
with government regulations, if any, applicable to the data and information
utilized in providing Services. Fiserv reserves the right to make changes in
Services, including but not limited to operating procedures, type of equipment
or software resident at, and the location of Fiserv's service center(s). Fiserv
will notify Client of any material change that affects Client's normal
operating procedures, reporting, or service costs prior to implementation of
such change.

     (c) Communications Lines.  Fiserv shall order the installation of
appropriate communication lines and equipment to facilitate Client's access to
Services. Client understands and agrees to pay charges relating to the
installation and use of such lines and equipment as set forth in the Exhibits.

     (d) Terminals and Related Equipment.  Client shall obtain necessary and
sufficient terminals and other equipment, approved by Fiserv and compatible
with the Fiserv System, to transmit and receive data and information between
Client's location(s), Fiserv's service center(s), and/or other necessary
location(s). Fiserv and Client may mutually agree to change the type(s) of
terminal and equipment used by Client.

     5.  Client Obligations.  (a) Input.  Client shall be solely responsible
for the input, transmission, or delivery to and from Fiserv of all information
and data required by Fiserv to perform Services unless Client has retained
Fiserv to handle such responsibilities, as specifically set forth in the
Exhibits. The information and data shall be provided in a format and manner
approved by Fiserv. Client will provide at its own expense or procure from
Fiserv all equipment, computer software, communication lines, and interface
devices required to access the Fiserv System. If Client has elected to provide
such items itself, Fiserv shall provide Client with a list of compatible
equipment and software; Client agrees to pay Fiserv's standard fee for
recertification of the Fiserv System resulting therefrom.

     (b) Client Personnel.  Client shall designate appropriate Client personnel
for training in the use of the Fiserv System, shall supply Fiserv with
reasonable access to Client's site during normal business hours for
Implementation Services and shall cooperate with Fiserv personnel in their
performance of Services.

     (c) Use of Fiserv System.  Client shall (i) comply with any operating
instructions on the use of the Fiserv System provided by Fiserv; (ii) review
all reports furnished by Fiserv for accuracy; and (iii) work with Fiserv to
reconcile any out of balance conditions or discrepancies. Client shall
determine and be responsible for the authenticity and accuracy of all
information and data submitted by Fiserv.

     (d) Client's Systems.  Client shall be responsible for ensuring that its
systems are Year 2000 compliant and otherwise capable of passing and/or
accepting data from and/or to the Fiserv System.

     6.  Ownership and Confidentiality.  (a) Definition.

     (i) Client Information.  "Client Information" means: (A) confidential
     plans, customer lists, information, and other proprietary material of
     Client that is marked with a restrictive legend, or if not so marked with
     such legend or is disclosed orally, is identified as confidential at the
     time of disclosure (and written confirmation thereof is promptly provided
     to Fiserv); and (B) any information and data concerning the business and
     financial records of Client's customers prepared by or for Fiserv, or used
     in any way by Fiserv in connection with the provision of Fiserv Services
     (whether or not any such information is marked with a restrictive legend).

     (ii) Fiserv Information.  "Fiserv Information" means: (A) confidential
     plans, information, research, development, trade secrets, business affairs
     (including that of any Fiserv client, supplier, or affiliate), and other
     proprietary material of Fiserv that is marked with a restrictive legend, or
     if not so marked with such legend or is disclosed orally, is identified as
     confidential at the time of disclosure (and written confirmation thereof is
     promptly provided to Client); and (B) Fiserv's proprietary computer
     programs, including custom software modifications, software documentation
     and training aids, and all data, code, techniques, algorithms, methods,
     logic, architecture, and designs

Westsound Bank August 11, 2006         3                  (FISERV LOGO)
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     embodied or incorporated therein (whether or not any such information is
     marked with a restrictive legend).

     (iii) Information. "Information" means Client Information and Fiserv
     Information. No obligation of confidentiality applies to any Information
     that the receiving party ("Recipient") (A) already possesses without
     obligation of confidentiality; (B) develops independently; or (C)
     rightfully receives without obligation of confidentiality from a third
     party. No obligation of confidentiality applies to any Information that is,
     or becomes, publicly available without breach of this Agreement.

     (b) Obligations. Recipient agrees to hold as confidential all Information
it receives from the disclosing party ("Discloser"). All Information shall
remain the property of Discloser or its suppliers and licensors. Information
will be returned to Discloser at the termination or expiration of this
Agreement. Fiserv specifically agrees that it will not use any non-public
personal information about Client's customers in any manner prohibited by Title
V of the Gramm-Leach-Bliley Act. Recipient will use the same care and
discretion to avoid disclosure of Information as it uses with its own similar
information that it does not wish disclosed, but in no event less than a
reasonable standard of care. Recipient may only use Information in accordance
with the purpose of this Agreement. Recipient may disclose Information to (i)
employees and employees of affiliates who have a need to know; and (ii) any
other party with Discloser's written consent. Before disclosure to any of the
above parties, Recipient will have a written agreement with such party
sufficient to require that party to treat Information in accordance with this
Agreement. Recipient may disclose Information to the extent required by law.
However, Recipient agrees to give Discloser prompt notice so that it may seek a
protective order. The provisions of this sub-section survive any termination or
expiration of this Agreement.

     (c) Residuals. Nothing contained in this Agreement shall restrict Recipient
from the use of any ideas, concepts, know-how, or techniques contained in
Information that are related to Recipient's business activities ("Residuals"),
provided that in so doing, Recipient does not breach its obligations under this
Section. However, this does not give Recipient the right to disclose the
Residuals except as set forth elsewhere in this Agreement.

     (d) Fiserv System. The Fiserv System contains information and computer
software that are proprietary and confidential information of Fiserv, its
suppliers, and licensors. Client agrees not to attempt to circumvent the
devices employed by Fiserv to prevent unauthorized access thereto, including,
but not limited to, alterations, decompiling, disassembling, modifications, and
reverse engineering thereof.

     (e) Information Security. Fiserv has implemented and shall maintain
appropriate measures designed to meet the objectives of the guidelines
establishing information security standards as adopted by any federal
regulatory agencies having jurisdiction over Client's affairs. These measures
include appropriate disposal of consumer information as required, and taking
appropriate actions to address incidents of unauthorized access to Client's
sensitive customer information, including notification to Client as soon as
possible of any such incident.

     (f) Confidentiality of this Agreement. Fiserv and Client agree to keep
confidential the prices, terms and conditions of this Agreement, without
disclosure to third parties.

     7. Regulatory Agencies, Regulations and Legal Requirements. (a) Client
Files. Records maintained and produced for Client ("Client Files") may be
subject to examination by such Federal, State, or other governmental regulatory
agencies as may have jurisdiction over Client's business to the same extent as
such records would be subject if maintained by client on its own premises.
Client agrees that Fiserv is authorized to give all reports, summaries, or
information contained in or derived from the data or information in Fiserv's
possession relating to Client when formally requested to do so by an authorized
regulatory or government agency.

     (b) Compliance with Regulatory Requirements. Client agrees to comply with
applicable regulatory and legal requirements, including without limitation:

     (i) Submitting a copy of this Agreement to the appropriate regulatory
     agencies prior to the date Services commence;
     (ii) providing adequate notice to the appropriate regulatory agencies of
     the termination of this Agreement or any material changes in Services;
     (iii) retaining records of its accounts as required by regulatory
     authorities;
     (iv) obtaining and maintaining, at its own expense, any Fidelity Bond
     required by any regulatory or governmental agency; and
     (v) maintaining, at its own expense, such casualty and business
     interruption insurance coverage for loss of records from fire, disaster, or
     other causes, and taking such precautions regarding the same, as may be
     required by regulatory authorities.

     8. Warranties. (a) Fiserv Warranties. Fiserv represents and warrants that:

     (i)(A) Services will conform to the specifications set forth in the
     Exhibits; (B) Fiserv will perform Client's work accurately provided that
     Client supplies accurate data and information, and follows the procedures
     described in

Westsound Bank August 11, 2006         4                           [FISERV LOGO]
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     all Fiserv documentation, notices, and advices; (C) Fiserv personnel will
     exercise due care in provision of Services; (D) the Fiserv System will
     comply in all material respects with all applicable Federal regulations
     governing Services; and (E) the Fiserv System is Year 2000 compliant. In
     the event of an error or other default caused by Fiserv personnel, systems,
     or equipment, Fiserv shall correct the data or information and/or reprocess
     the affected item or report at no additional cost to Client. Client agrees
     to supply Fiserv with a written request for correction of the error within
     7 days after Client's receipt of the work containing the error. Work
     reprocessed due to errors in data supplied by Client, on Client's behalf by
     a third party, or by Client's failure to follow procedures set forth by
     Fiserv shall be billed to Client at Fiserv's then current time and material
     rates; and (ii) it owns or has a license to furnish all equipment or
     software comprising the Fiserv System. Fiserv shall indemnify Client and
     hold it harmless against any claim or action that alleges that the Fiserv
     System use infringes a United State patent, copyright, or other proprietary
     right of a third party. Client agrees to notify Fiserv promptly of any such
     claim and grants Fiserv the sole right to control the defense and
     disposition of all such claims. Client shall provide Fiserv with reasonable
     cooperation and assistance in the defense of any such claim.

THE WARRANTIES STATED HEREIN ARE LIMITED WARRANTIES AND ARE THE ONLY WARRANTIES
MADE BY FISERV. FISERV DOES NOT MAKE, AND CLIENT HEREBY EXPRESSLY WAIVES, ALL
OTHER WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A
PARTICULAR PURPOSE. THE STATED EXPRESS WARRANTIES ARE IN LIEU OF ALL LIABILITIES
OR OBLIGATIONS OF FISERV FOR DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE
DELIVERY, USE, OR PERFORMANCE OF FISERV SERVICES.

     (b) Client Warranties. Client represents and warrants that: (i) no
contractual obligations exist that would prevent Client from entering into this
Agreement; (ii) it has complied with all applicable regulatory requirements; and
(iii) it has requisite authority to execute, deliver, and perform this
Agreement. Client shall indemnify and hold harmless Fiserv, its officers,
directors, employees, and affiliates against any claims or actions arising out
of (iv) the use by Client of the Fiserv System in a manner other than that
provided in this Agreement; and (v) any and all claims by third parties through
Client arising out of the performance and non-performance of Fiserv Services by
Fiserv, provided that the indemnity listed in clause (v) hereof shall not
preclude Client's recovery of direct damages pursuant to the terms and subject
of the limitations of this Agreement.

     9. Limitation of Liability. (a) General. IN NO EVENT SHALL FISERV BE LIABLE
FOR LOSS OF GOODWILL, OR FOR SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL
DAMAGES ARISING FROM CLIENT'S USE OF FISERV SERVICES, OR FISERV'S SUPPLY OF
EQUIPMENT OR SOFTWARE, REGARDLESS OF WHETHER SUCH CLAIM ARISES IN TORT OR IN
CONTRACT. CLIENT MAY NOT ASSERT ANY CLAIM AGAINST FISERV MORE THAN 2 YEARS AFTER
SUCH CLAIM ACCRUED. FISERV'S AGGREGATE LIABILITY FOR ANY AND ALL CAUSES OF
ACTION RELATING TO THIS AGREEMENT SHALL BE LIMITED TO THE ****. FISERV'S
AGGREGATE LIABILITY FOR A DEFAULT RELATING TO THIRD PARTY EQUIPMENT OR SOFTWARE
SHALL BE LIMITED TO THE AMOUNT PAID BY CLIENT FOR THE EQUIPMENT OR SOFTWARE.

     (b) Lost Records. If Client's records or other data submitted for
processing are lost or damaged as a result of any failure by Fiserv, its
employees, or agents to exercise reasonable care to prevent such loss or damage,
Fiserv's liability on account of such loss or damages shall not exceed the
reasonable cost of reproducing such records or data from exact duplicates
thereof in Client's possession.

     10. Disaster Recovery. (a) General. Fiserv maintains a disaster recovery
plan ("Disaster Recovery Plan") for each Service. A "Disaster" shall mean any
unplanned interruption of the operations of or inaccessibility to Fiserv's
service center in which Fiserv, using reasonable judgment, requires relocation
of processing to a recovery location. Fiserv shall notify Client as soon as
possible after Fiserv deems a service outage to be a Disaster. Fiserv shall move
the processing of Client's standard services to a recovery location as
expeditiously as possible and shall coordinate the cut-over to back-up
telecommunication facilities with the appropriate carriers. Client shall
maintain adequate records of all transactions during the period of service
interruption and shall have personnel available to assist Fiserv in implementing
the switchover to the recovery location. During a Disaster, optional or
on-request services shall be provided by Fiserv only to the extent adequate
capacity exists at the recovery location and only after stabilizing the
provision of base services.

     (b) Communications. Fiserv shall work with Client to establish a plan for
alternative communications in the event of a Disaster.

     (c) Disaster Recovery Test. Fiserv shall test the Disaster Recovery Plan
periodically. Client agrees to participate in and assist Fiserv with such test,
if requested by Fiserv. Upon Client's request, test results will be made
available to Client's management, regulators, auditors, and insurance
underwriters.

Westsound Bank August 11, 2006                                     (FISERV LOGO)

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     (d) Client Plans. Fiserv agrees to release information necessary to allow
Client's development of a disaster recovery plan that operates in concert with
the Disaster Recovery Plan.

     (e) No Warranty. Client understands and agrees that the Disaster Recovery
Plan is designed to minimize, but not eliminate, risks associated with a
Disaster affecting Fiserv's service center(s). Fiserv does not warrant that
Fiserv Services will be uninterrupted or error free in the event of a Disaster;
no performance standards shall be applicable for the duration of a Disaster.
Client maintains responsibility for adopting a disaster recovery plan relating
to disasters affecting Client's facilities and for securing business
interruption insurance or other insurance necessary for Client's protection.

     11. Termination. (a) Material Breach. Except as provided elsewhere in this
Section 11, either party may terminate this Agreement in the event of a
material breach by the other party not cured within 90 days following written
notice stating, with particularity and in reasonable detail, the nature of the
claimed breach.

     (b) Failure to Pay. In the event any invoice remains unpaid by Client 30
days after due, or Client deconverts any data or information from the Fiserv
System without prior written consent of Fiserv, Fiserv, at its sole option, may
terminate this Agreement and/or Client's access to and use of Fiserv Services.
Any invoice submitted by Fiserv shall be deemed correct unless Client provides
written notice to Fiserv within 15 days of the invoice date specifying the
nature of the disagreement.

     (c) Remedies. Remedies contained in this Section 11 are cumulative and are
in addition to the other rights and remedies available to Fiserv under this
Agreement, by law or otherwise.

     (d) Defaults. If Client:

     (i) defaults in the payment of any sum of money due and fails to remedy
     such breech as set forth in Section 11(b);
     (ii) breaches this Agreement in any material respect or otherwise defaults
     in any material respect in the performance of any of its obligations in
     Section 11(a); or
     (iii) commits an act of bankruptcy or becomes the subject of any proceeding
     under the Bankruptcy Code or becomes insolvent or if any substantial part
     of Client's property becomes subject to any levy, seizure, assignment,
     application, or sale for or by any creditor or governmental agency;

then, in any such event, Fiserv may, upon written notice, terminate this
Agreement and be entitled to recover from Client as liquidated damages an
amount equal to the present value of all payments remaining to be made
hereunder for the remainder of the initial term or any renewal term of this
Agreement. For purposes of the preceding sentence, present value shall be
computed using the "prime" rate (as published in The Wall Street Journal) in
effect at the date of termination and "all payments remaining to be made" shall
be calculated based on the average bills for the 3 months immediately preceding
the date of termination. Client agrees to reimburse Fiserv for any expenses
Fiserv may incur, including reasonable attorney's fees, in taking any of the
foregoing actions.

     (e) Convenience. Client may terminate this Agreement by paying a
termination fee based on the remaining unused term of this Agreement, the amount
to be determined by multiplying Client's largest monthly invoice for each Fiserv
Service received by Client during the term (or if no monthly invoice has been
received, the sum of the estimated monthly billing for each Fiserv Service to be
received hereunder) by 80% times the remaining months of the term, plus any
unamortized conversion fees or third party costs existing on Fiserv's books on
the date of termination. Client understands and agrees that Fiserv losses
incurred as a result of early termination of the Agreement would be difficult or
impossible to calculate as of the effective date of termination since they will
vary based on, among other things, the number of clients using the Fiserv System
on the date the Agreement terminates. Accordingly, the amount set forth in the
first sentence of this subsection represents Client's agreement to pay and
Fiserv's agreement to accept as liquidated damages (and not as a penalty) such
amount for any such Client termination.

     (f) Return of Data Files. Upon expiration or termination of this
Agreement, Fiserv shall furnish to Client such copies of Client Files as Client
may request in a Fiserv standard format along with such information and
assistance as is reasonable and customary to enable Client to deconvert from
the Fiserv System, provided, however, that Client consents and agrees and
authorizes Fiserv to retain Client Files until (i) Fiserv is paid in full for
(A) all Services provided through the date such Client Files are returned to
Client; and (B) any and all other amounts that are due or will become due under
this Agreement; (ii) Fiserv is paid its then standard rates for the services
necessary to return such Client Files; (iii) if this Agreement is being
terminated, Fiserv is paid any applicable termination fee pursuant to
subsection (d) or (e) above; and (iv) Client has returned to Fiserv all Fiserv
information. Unless directed by Client in writing to the contrary, Fiserv shall
be permitted to destroy Client Files any time after 30 days from the final use
of Client Files for processing.

     (g) Miscellaneous. Client understands and agrees that Client is
responsible for the deinstallation and return shipping of any Fiserv-owned
equipment located on Client's premises.

     12. Dispute Resolution. (a) General. Except with respect to disputes
arising from a misappropriation or misuse of either party's proprietary rights,
any dispute or controversy

Westsound Bank August 11, 2006                 6                   [Fiserv Logo]
<PAGE>
arising out of this Agreement, or its interpretation, shall be submitted to and
resolved exclusively by arbitration under the rules then prevailing of the
American Arbitration Association, upon written notice of demand for arbitration
by the party seeking arbitration, setting forth the specifics of the matter in
controversy or the claim being made. The arbitration shall be heard before an
arbitrator mutually agreeable to the parties; provided, that if the parties
cannot agree on the choice of arbitrator within 10 days after the first party
seeking arbitration has given written notice, then the arbitration shall be
heard by 3 arbitrators, 1 chosen by each party, and the third chosen by those 2
arbitrators. The arbitrators will be selected from a panel of persons having
experience with an knowledge of information technology and at least 1 of the
arbitrators selected will be and attorney. Discovery shall not be permitted. A
hearing on the merits of all claims for which arbitration is sought by either
party shall be commenced not later than 60 days from the date demand for
arbitration is made by the first party seeking arbitration. The arbitrator(s)
must render a decision within 10 days after the conclusion of such hearing. Any
award in such arbitration shall be final and binding upon the parties and the
judgment thereon may be entered in any court of competent jurisdiction.

     (b) Applicable Law.  The arbitration shall be governed by the United States
Arbitration Act, 9 U.S.C. 1-16 and the Federal Rules of Evidence. The
arbitrators shall apply the substantive law of the State of Washington, without
reference to provisions relating to conflict of laws. The arbitrators shall not
have the power to alter, modify, amend, add to, or subtract from any term or
provision of this Agreement, nor to rule upon or grant any extension, renewal,
or continuance of this Agreement. The arbitrators shall have the authority to
grant any legal remedy available had the parties submitted the dispute to a
judicial proceeding.

     (c) Situs.  If arbitration is required to resolve any disputes between the
parties, the proceedings to resolve the first such dispute shall be held in
Milwaukee, Wisconsin, the proceedings to resolve the second such dispute shall
be held in Kitsap County, Washington, and the proceedings to resolve any
subsequent disputes shall alternate between Milwaukee, Wisconsin and Kitsap
County, Washington.

     13.  Insurance.  Fiserv carries the following types of insurance policies:

     (i)  Commercial General Liability in an amount not less than $1 million per
     occurrence for claims arising out of bodily injury and property damage;

     (ii)  Commercial Crime covering employee dishonesty in an amount not less
     than $5 million;

     (iii)  All-risk property coverage including Extra Expense and Business
     Income coverage; and

     (iv)  Workers Compensation as mandated or allowed by the laws of the state
     in which Services are being performed, including $1 million coverage for
     Employer's Liability.

     14.  Audit.  Fiserv employs an internal auditor responsible for ensuring
the integrity of its processing environments and internal controls. In addition,
as may be required by law or regulation, Fiserv provides for periodic
independent audits of its operations. Fiserv shall provide Client with a copy of
the audit of the Fiserv service center providing Services within a reasonable
time after its completion and shall charge each client a fee based on the pro
rata cost of such audit. Fiserv shall also provide a copy of such audit to the
appropriate regulatory agencies, if any, having jurisdiction over Fiserv's
provision of Services.

     15.  General.  (a) Binding Agreement.  This Agreement is binding upon the
parties and their respective successors and permitted assigns. Neither this
Agreement nor any interest may be sold, assigned, transferred, pledged, or
otherwise disposed of by Client, whether pursuant to change of control or
otherwise, without Fiserv's prior written consent. Client agrees that Fiserv may
subcontract any services to be performed hereunder. Any such subcontractors
shall be required to comply with all applicable terms and conditions.

     (b)  Entire Agreement.  This Agreement, including its Exhibits, which are
expressly incorporated herein by reference, constitutes the complete and
exclusive statement of the agreement between the parties as to the subject
matter hereof and supersedes all previous agreements with respect thereto.
Modifications of this Agreement must be in writing and signed by duly
authorized representatives of the parties. Each party hereby acknowledges that
it has not entered into this Agreement in reliance upon any representation made
by the other party not embodied herein. In the event any of the provisions of
any Exhibit are in conflict with any of the provisions of this Agreement, the
terms and provisions of this Agreement shall control unless the Exhibit in
question expressly provides that its terms and provisions shall control.

     (c)  Severability.  If any provision of this Agreement is held to be
unenforceable or invalid, the other provisions shall continue in full
force and effect.

     (d)  Governing Law.  This Agreement will be governed by the substantive
laws of the State of Washington, without reference to provisions relating to
conflict of laws. The United Nations Convention of Contracts for the
International Sale of Goods shall not apply to this Agreement.

     (e)  Force Majeure.  Neither party shall be responsible for delays or
failures in performance resulting from acts reasonably beyond the control of
that party.

     (f)  Notices.  Any written notice required or permitted to be given
hereunder shall be given by: (i) Registered or Certified

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Westsound Bank  August 11, 2006                                    [FISERV LOGO]
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Mail, Return Receipt Requested, postage prepaid; (ii) confirmed facsimile; or
(iii) nationally recognized courier service to the other party at the addresses
listed on the cover page or to such other address or person as a party may
designate in writing. All such notices shall be effective upon receipt.

     (g) No Waiver.  The failure of either party to insist on strict
performance of any of the provisions hereunder shall not be construed as the
waiver of any subsequent default of a similar nature.

     (h) Financial Statements.  Fiserv shall provide Client and the appropriate
regulatory agencies so requiring a copy of Fiserv, Inc.'s audited consolidated
financial statements.

     (i) Prevailing Party.  The prevailing party in any arbitration, suit, or
action brought against the other party to enforce the terms of this Agreement
or any rights or obligations hereunder, shall be entitled to receive its
reasonable costs, expenses, and attorneys' fees of bringing such arbitration,
suit, or action.

     (j) Survival.  All rights and obligations of the parties under this
Agreement that, by their nature, do not terminate with the expiration or
termination of this Agreement shall survive the expiration or termination of
this Agreement.

     (k) Exclusivity.  Client agrees that Fiserv shall be the sole and
exclusive provider of the services that are the subject matter of this
Agreement. For purposes of the foregoing, the term "Client" shall include
Client affiliates. During the term of this Agreement, Client agrees not to
enter into an agreement with any other entity to provide these services (or
similar services) without Fiserv's prior written consent. If Client acquires
another entity, the exclusivity provided to Fiserv hereunder shall take effect
with respect to such acquired entity as soon as practicable after termination
of such acquired entity's previously existing arrangement for these services.
If Client is acquired by another entity, the exclusivity provided to Fiserv
hereunder shall apply with respect to the level or volume of these services
provided immediately prior to the signing of the definitive acquisition
agreement relating to such acquisition and shall continue with respect to the
level or volume of these services until any termination or expiration of this
Agreement.

     (l) Recruitment of Employees.  Client agrees not to hire Fiserv's
employees during the term of this Agreement and for a period of 6 months after
any termination or expiration thereof, except with Fiserv's prior written
consent.

     (m) Publicity.  Client and Fiserv shall have the right to make general
references about each other publicly and the type of services being provided
hereunder to third parties, such as auditors, regulators, financial analysts,
and prospective customers and clients. The parties shall mutually agree on a
press release relating to the execution of this Agreement. In conjunction with
this, the party initiating such release shall give the other party a reasonable
opportunity to review and comment on the content thereof prior to its release.

     (n) Independent Contractors.  Client and Fiserv expressly agree they are
acting as independent contractors and under no circumstances shall any of the
employees of one party be deemed the employees of the other for any purpose.
This Agreement shall not be construed as authority for either party to act for
the other party in any agency or other capacity, or to make commitments of any
kind for the account of or on behalf of the other except as expressly
authorized herein.

================================================================================

     IN WITNESS WHEREOF, the parties have caused this Agreement to be executed
by their duly authorized representatives as of the date indicated below.

For Client:                             For Fiserv:

Westsound Bank                          Fiserv Solutions, Inc.

By: /s/ Mark Freeman                    By: /s/ Sam Langham
   --------------------------              --------------------------
Name:  Mark Freeman                     Name:  Sam Langham
Title: Senior Vice President,           Title: President, Western Region
       Chief Financial Officer

Date: 8/1/06                            Date: 8/1/06
     ------------------------                -------------------------

                                       8
Westsound Bank  August 11, 2006                                    [FISERV LOGO]
<PAGE>
                     ACCOUNT PROCESSING SERVICES                     EXHIBIT A

Client agrees with Fiserv as follows:

     1.  Services.  Fiserv will provide Client the Account Processing Services
("Account Processing Services") specified in Exhibit A-1.

     2.  Fees.  Client shall pay Fiserv the fees and other charges for the
Account Processing Services specified in Exhibit A-1. The fees listed in Exhibit
A-2 are valid for the account processing services Client contracts for as of the
date of the Agreement. If Client seeks additional services from Fiserv during
the term of the Agreement, Fiserv's fees therefor will be quoted to Client upon
request. Fiserv agrees to give at least 30 days notice to Client of any changes
in the rules and procedures established for processing, unless such changes are
caused by changes made by the Federal Reserve System or otherwise beyond the
control of Fiserv, not permitting Fiserv to give such advance notice. Fiserv
reserves the right to make such changes to the Exhibits without notice as may be
necessary to cover any increases in Federal Reserve System costs and charges or
in other costs and charges beyond Fiserv's control, including changes required
by applicable law or regulatory activity. The fees listed in Exhibit A-2 may be
changed annually effective each January 1 beginning in the year 2007 upon 30
days notice to Client. Each change shall be limited to the change in the U.S.
Department of Labor, Consumer Price Index for All Urban Households - Pacific
Northwest, published by the United States Department of Labor, Bureau of Labor
Statices ("CPI") for the 12-month period preceding each January 1 not to exceed
3% unless the CPI exceeds 6%. Any percent or fraction thereof above 6% will be
added to the 3%. Fiserv will deliver to Client the notification of the fee
change

     3.  Responsibility for Accounts.  Client shall be responsible for balancing
its accounts each business day and notifying Fiserv immediately of any errors or
discrepancies. Provided that Client immediately notifies Fiserv of any
discrepancy in Client's accounts, Fiserv shall, at its expense, promptly
re-compute accounts affected by discrepancies solely caused by the Fiserv
Systems or provide for another mutually agreeable resolution. Fiserv will use
its commercially reasonable efforts to correct errors attributable to Client or
Client's other third party providers. Reconstruction of error conditions
attributable to Client or to third parties acting on Client's behalf will be
done at prevailing rates as set forth in Exhibit A-2.

     4.  Annual Histories.  Fiserv currently maintains annual histories, where
applicable, for its clients. These histories can be used to reconstruct Client
Files in an emergency. However, in order to permit prompt and accurate
reconstruction of accounts, Client agrees to retain at all times and make
available to Fiserv upon request the most recent data printout(s) received from
Fiserv, together with copies or other accurate and retrievable records of all
transactions to be reflected on the next consecutive printout(s).

     5.  Hours of Operation.  Account Processing Services will be available for
use by Client during standard Fiserv business hours, excluding holidays, as
specified in Exhibit A-3. Account Processing Services may be available
additional hours, during which time Client may use Services at its option and
subject to additional charges.

     6.  Performance Standards.  The Fiserv performance standards for the
Account Processing Services ("Performance Standards") are set forth in Exhibit
A-4. In no event shall Fiserv be liable to Client for damages of any nature
arising solely from failure by Fiserv to meet Performance Standards.

     7.  Protection of Data.  (a) For the purpose of compliance with applicable
government regulations, Fiserv has an operations backup center, for which Client
agrees to pay the charges indicated in Exhibit A-2. Copies of transaction files
are maintained by Fiserv off premises in secured vaults.

     (b)  Fiserv provides systems security utilizing commercially reasonable
standards to protect Client Files from unauthorized access in compliance with
applicable governmental regulations.

     (c)  Upon Client providing access to Client Files through Client's
customers' personal computers or voice response system, Client agrees to
indemnify and hold harmless Fiserv, its officers, directors, employees, and
affiliates against any claims or actions arising out of such access to Client
Files or any Fiserv files (including the files of other Fiserv clients) or the
Fiserv System or other Fiserv systems.

     8.  Processing Priority.  Fiserv does not subscribe to any processing
priority; all users receive equal processing consideration.

     9.  Forms and Supplies.  Client assumes and will pay the charges for all
customized forms, supplies, and delivery charges. Custom forms ordered through
Fiserv will be subject to a 15% administrative fee for warehousing and inventory
control. Forms ordered by Client and warehoused at Fiserv will be subject to the
administrative fee set forth in Exhibit A-2.

     10.  Regulatory Supervision.  By entering into this Agreement, Fiserv
agrees that regulatory agencies having authority over Client's operations shall
have the authority and responsibility provided to the regulatory agencies
pursuant to the Bank Service Corporation Act, 12 U.S.C. 1867(C) relating to
services performed by contract or otherwise.

                                       9

Westsound Bank  August 11, 2006                                    [FISERV LOGO]

<PAGE>
                                                                       EXHIBIT A
                          ACCOUNT PROCESSING SERVICES

================================================================================

     IN WITNESS WHEREOF, the parties have caused this Agreement to be executed
by their duly authorized representatives as of the date indicated below.

For Client:                             For Fiserv:

Westsound Bank                          Fiserv Solutions, Inc.

By: /s/ Mark Freeman                    By: /s/ Sam Langham
    ------------------------------          -----------------------------
Name:  Mark Freeman                     Name:  Sam Langham
Title: Senior Vice President,           Title: President, Western Region
       Chief Financial Officer

Date:  8/1/06                           Date:  8/8/06
     -----------------------------           ----------------------------

                                       10

Westsound Bank August 11, 2006                                     [FISERV LOGO]

<PAGE>
                          ACCOUNT PROCESSING SERVICES
                                                                     EXHIBIT A-1

Client and Fiserv agree as follows:

1.   Fiserv Responsibilities. Fiserv will provide Client with the following ITI
     Software Account Processing Services for the fees and charges out lined in
     Exhibit A-2:

     a. Base Services:

          -    Account Analysis
          -    ACH Processing - Item Entry System (IES)
          -    ATM Processing/Batch Interface
          -    Automatic Account Transfers
          -    Bulk File Processing
          -    Certificates of Deposits
          -    Commercial Loans
          -    Combined Statements
          -    Consumer Loans
          -    Standard Statement Formats
          -    Customer Information File (CIF)
          -    Demand Deposit Accounting
          -    Financial Management System (G/L)
          -    Host Disaster Recovery Back Up (FM clients not included)
          -    Investor Reporting, Standard Core
          -    Lines of Credit
          -    Loan Account Processing
          -    Loan Investor Reporting
          -    Mortgage Loans
          -    On-line NSF/OD Return Processing (EIM)
          -    Product Release Installation Management
          -    Savings Account Processing
          -    Sweep Accounting
          -    Tape - (NCP Format) Fiserv Forms & Graphics or Deluxe Generation
               for Coupon Books (Weekly) - 1 included
          -    Tape (TRW) Format Generation for Credit Bureau (Monthly) - 1
               included
          -    Transaction Management System (TMS)

     b.   Interfaces:

          -    ATM Positive Balance File
          -    Premier Deposit Platform
          -    Premier Teller
          -    Fiserv Item Processing

     c.   Network Support Services:

          -    Data Communication line between Fiserv's account processing
               center and Client's primary banking location.
          -    Staffing and maintenance to undertake investigations, inquiries,
               and problem resolution associated with the Network Support
               Services software.
          -    Applications support personnel will be available to assist and
               support Client's support services staff.
          -    Account Management Staff to call on Client.

     d.   Training:
          -    Refresher training available (at then current fees)

     e.   Help Desk Services:

          -    Staffing and maintenance to undertake investigations, inquiries,
               and problem resolution associated with the Application
               Processing Services software.
          -    Applications support personnel will be available to assist and
               support Client's support services staff.

                                       11

Westsound Bank  August 11, 2006                                    [FISERV LOGO]

<PAGE>
                          ACCOUNT PROCESSING SERVICES
                                                                     EXHIBIT A-1

          -    Account Management Staff to call on Client.

2.   Client Responsibilities. Client will be responsible for the following
     activities:

     a. Personnel:
          -    Project Manager
          -    Staff necessary to assist in Implementation Services

     b. Third Party Software:
          -    Evaluation, selection, licensing, and procurement of maintenance
               for third party application software as mutually agreed by Fiserv
               and Client.
          -    Obtain any necessary consents to utilize third party software
               licensed to Client as of the Effective Date, which consents shall
               be provided to Fiserv (the obtaining of such consents shall be a
               condition precedent to performance by Fiserv of its obligations).
          -    Advising Fiserv of any connections, upgrades, or enhancements
               that become available from third party vendors so that they may
               be installed on a mutually agreeable schedule and in accordance
               with the third party vendor's recommended time schedule.
          -    Providing Fiserv with a complete copy of all license and
               maintenance agreements related to third party software.

Westsound Bank August 11, 2006         12                          [FISERV LOGO]
<PAGE>
                                                                       Exhibit B

                            Item Processing Services

     Client agrees with Fiserv as follows:

     1.   Services. Fiserv will provide Client the Item Processing Services
("Item Processing Services") specified in Exhibit B-1 and, if applicable,
Exhibit B-5.

     2.   Due Diligence. All necessary information concerning Client's
requirements for Item Processing Services shall be set forth in a business
assumptions list (the "IP Business Assumptions List"), which Client shall
complete prior to Fiserv rendering Item Processing Services hereunder. Client
acknowledges that Fiserv has relied on the information contained in the IP
Business Assumptions List in determining pricing and performance levels for the
Item Processing Services. In the event of material change(s) in the actual
volumes, types of items, and delivery times for work received from Client, as
compared to the IP Business Assumptions List, Fiserv shall have the right to
adjust its fees and/or performance standards accordingly upon 30 days' notice to
Client. Any increase in fees resulting from this due diligence process shall not
be subject to the CPI limitations as set forth in Section 3 below.

     3.   Fees. Client shall pay Fiserv the fees and other charges for Item
Processing Services as specified in Exhibit B-2 and, if applicable, Exhibit B-5.
Fees listed in Exhibits B-2 and B-5 are valid for Item Processing Services and
locations that Client contracts for as of the Effective Date. If Client wishes
to obtain additional services and/or use additional locations from Fiserv during
the term of the Agreement, Fiserv fees for available services will be quoted to
Client upon request. Fiserv agrees to give at least 30 days' notice to Client of
any changes in the rules and procedures established for processing items, unless
such changes are caused by changes made by the Federal Reserve System or
otherwise beyond Fiserv's control, not permitting Fiserv to give such advance
notice. Fiserv reserves the right to make such changes to the Exhibits without
notice as may be necessary to cover any increases in Federal Reserve System
costs and charges or in other costs and charges beyond Fiserv's control,
including changes required by applicable law or regulatory activity. The fees
listed in Exhibit B-2 and B-5 may be changed annually effective each January 1
beginning in the year 2007 upon 30 days notice to Client. Each change shall be
limited to the change in the U.S. Department of Labor, Consumer Price Index for
All Urban Households -- Pacific Northwest, published by the United States
Department of Labor, Bureau of Labor Statistics ("CPI") for the 12-month period
preceding each January 1 not to exceed 3% unless the CPI exceeds 6%. Any percent
or fraction thereof above 6% will be added to the 3%. Fiserv will deliver to
Client the notification of the fee change.

     4.   Performance Standards. Fiserv will perform the Item Processing
Services in accordance with the performance standards specified in Exhibit B-3
and, if applicable, Exhibit B-5 (the "Performance Standards"), subject to Client
meeting its performance obligations as set forth in Exhibits B-1, B-3, and B-5.
Fiserv shall not be liable for any damages or losses to Client for errors
occurring within the limits of the Performance Standards. For each month during
the term of this Exhibit B, Fiserv will calculate and prepare a performance
standard report within 45 days following the month to which such report relates.
Client will have 15 days to review such report and provide written notice to
Fiserv of any discrepancies relating to such report. If Client provides such
notice and the discrepancies have been resolved between Fiserv and Client, or in
the alternative if Client fails to give notice of any discrepancies within the
required time frame, the report will be final.

     5.   No Fiduciary Relationship. Fiserv shall perform such Item Processing
Services for which Fiserv shall subscribe as agent of Client, and Fiserv shall
not have by reason of this Agreement a fiduciary relationship with respect to
Client.

     6.   Lost, Destroyed, and Misplaced Items. Fiserv assumes no liability for
any item lost, destroyed, or misplaced while in transit before the item
physically arrives at the premises of Fiserv and is received by Fiserv. In the
event any items are lost, destroyed, or misplaced, and such event is not due to
gross negligence or intentional misconduct by Fiserv, Client shall be solely
responsible for the costs and expenses incurred by Fiserv in reconstructing any
such items and for any damages or other losses that may be incurred by Fiserv
due to the collection of such items. In the event Fiserv loses, destroys, or
misplaces deposited items as a result of gross negligence or intentional
misconduct after acceptance of said deposit, Fiserv shall be liable only for
reasonable reconstruction costs of the deposit. Reasonable reconstruction costs
shall be only those costs that arise from reconstruction of a microfilmed
deposit. Fiserv shall not be liable for reconstruction costs associated with a
deposit for which Client cannot provide a microfilmed record of such item(s)
contained in the deposit. In no event shall Fiserv be liable for the face value
of any lost or missing item(s).

     7.   Governmental Regulation. This Exhibit shall be governed by and is
subject to: the applicable laws, regulations, rules, terms and conditions, as
presently in effect or hereafter amended or adopted, of the United States of
America, Federal Reserve Board, Federal Reserve Banks, Federal Housing Finance
Board, and any other governmental agency or instrumentality having jurisdiction
over the subject matter of this Exhibit. Client agrees to abide by such
requirements and to execute and deliver such agreements, documents, or other

                                       1

Westsound Bank                                                   [FISERV LOGO]

<PAGE>

                                                                       Exhibit B

forms as may be necessary to comply with the provisions hereof, including,
without limitation, agreements to establish Fiserv as Client's Agent for
purposes of delivery of items processed hereunder from or to the Federal
Reserve Banks. Any such agreements shall be made a part of this Agreement and
are incorporated herein. A change or termination of such laws, regulations,
rules, terms, conditions, and agreements shall constitute, respectively, a
change or termination as to this Exhibit. Client data and records shall be
subject to regulation and examination by government supervisory agencies to the
same extent as if such information were on Client's premises.

     8. Client Responsibilities. Client shall submit all items to Fiserv and
otherwise comply with all Client obligations in accordance with the requirements
set forth in Exhibits B - 1 and B - 5. Client shall maintain adequate supporting
materials (i.e. exact copies of items, records, and other data supplied to
Fiserv) in connection with the provision of Item Processing Services. Client
shall provide written notice of confirmation and/or verification of any
instructions given by Client, its agents, employees, officers, or directors to
Fiserv in connection with Fiserv's provision of Item Processing Services. Client
shall be responsible for balancing its accounts each business day and notifying
Fiserv, within 7 business days, or any errors or discrepancies. In the event
Fiserv discovers an error or defect (Client understands that Fiserv shall be
under no duty to discover any such error or defect), Fiserv is authorized, in
its sole discretion, to correct any such error or defect and to make any
adjustments in order to correct such error or defect.

     9. Definition of Item. An item is defined as all checks and other documents
presented to Fiserv for processing, transactional entities generated by Client,
such as teller cash tickets, general ledger entries, loan entries and all
control documents such as batch tickets.

    10. Check 21 Items: When Fiserv prepares "Substitute Checks" (as that term
is defined in the Check Clearing for the 21st Century Act, known as Check 21 and
implemented through Regulation CC) to facilitate the deposit and collection of
items as required by Client, Client understands and agrees that it is the
Reconverting and Truncating Bank and is responsible for all warranties or
indemnifications as defined in Check 21. Fiserv shall have no obligation to
screen items for legal compliance. Client agrees that Fiserv shall not be liable
for any damages or otherwise for any claims, obligations, or causes of action
regarding any such Substitute Checks, including without limitation any liability
arising out of Fiserv's keying errors on reject items, (collectively,
"Substitute Check Claims"), and Client further agrees to defend, indemnify, and
hold Fiserv harmless from and against all liability, damage and loss arising out
of any Substitute Check Claims.

    11. Holdover. Upon any termination or expiration of this Exhibit B, Item
Processing Services provided subsequent to the termination or expiration date
will be charged at then-current fees being charged to Client, plus a holdover
premium of 25%. In the event Client terminates this Exhibit B pursuant to
Section 11(e) of the Agreement, Client shall specify a final processing date. If
this date is changed at Client's request less than 90 days prior to the final
processing date, the holdover premium of 25% will be applied to the then-current
fees being charged to Client for Item Processing Services pursuant to this
Exhibit B, for all Item Processing Services provided after the
originally-schedule final processing date.

================================================================================

IN WITNESS WHEREOF, the parties hereto have caused this Exhibit B to the
Agreement to be executed by their duly authorized representatives as of the
date indicated below.

For Client:                             For Fiserv:
Westsound Bank                          Fiserv Solutions, Inc.

By: /s/ Mark Freeman                    By: /s/ Jeff Thares
   -------------------------------          ------------------------------
Name:   Mark Freeman                    Name:   Jeff Thares
Title:  EVP & CFO                       Title:  President, Western Region
                                                IP Operations

Date: 8-1-06                            Date:   7-21-06
     -----------------------------           -----------------------------

                                       2

Westsound Bank                                                     [FISERV LOGO]

<PAGE>
                                                              Exhibit B-1

                      Item Processing Description of Services
                      ---------------------------------------

1.  Proof: On each business day (excluding Saturdays, Sundays, and holidays),
    Client will deliver to the Fiserv center(s) providing Item Processing
    Services under this Exhibit (each, a "Fiserv Center"), checks and other
    items deposited to accounts with Client. Client will provide extra
    deliveries in support of proof operations for peak day processing. Peak day
    processing is defined as any day when Client's volume is expected to exceed
    the previous month's daily average volume by 20% (previous month's average
    determined by dividing the total volume the number of business days in the
    previous month).

    a. Client will contract with and pay for a courier, to pick up and deliver
       all work between Client and Fiserv. Both parties will mutually agree
       upon the times of pick-up and delivery. If Fiserv has not received the
       items from Client locations by the agreed upon delivery times, Fiserv
       may, in its sole discretion and without liability, delay the processing
       of such items until the next business day. Fiserv will contact Client's
       after-hours contact and apprise said contact of the situation. Client
       agrees to provide an after-hours contact and update that contact should
       there be any change in Client personnel.

    b. Client agrees to MICR encode documents to meet Fiserv requirements (ABA
       and Account Numbers and Trancodes)

    c. Client is responsible for microfilming or imaging all items submitted
       to Fiserv.

    d. Client agrees that all transactional entries, involving tellers' cash
       tickets, general ledger entries, or loan entries shall be in balance,
       and that Fiserv may return to Client, unprocessed, any transactional
       entries that are not in balance.

    e. Client agrees to segregate all over-the-counter items into batches not
       to exceed 3" in depth and to identify each such batch with an
       appropriate batch header, which batch header shall meet written
       requirements provided by Fiserv. Client further agrees to segregate
       all items by type (i.e., single deposit items will be batched
       separately from multiple deposit items), and to provide a total for each
       single batch.

    f. Client agrees to include a batch manifest for each bag of work submitted
       to Fiserv.

    g. From the items submitted to Fiserv, Fiserv shall retrieve such "on-us"
       information as may be necessary for the proper accounting of the items
       and shall transmit this information, through telephone lines or by such
       other means as Fiserv may, from time to time, deem appropriate to
       Client's data processor for data processing.

    h. Client authorizes Fiserv to create ledger holdover entries, deposit
       corrections, or such other entries to balance transactions, except for
       those transactions outlined in subsection 1.d. above, as may be necessary
       to the efficient processing of the items.

    i. After Fiserv has completed the process of retrieving and transmitting to
       Client's data processor the information necessary for data processing,
       all over-the-counter items not drawn against Client shall be forwarded
       for collection to such correspondent banks as Client may designate from
       time to time in writing to Fiserv.

    j. All items drawn against Client and those items internally generated shall
       be returned to Client or held by Fiserv in accordance with Client's
       written instructions.

2.  Encoding: Fiserv will encode the dollar amount on all items needing encoding
    and presented to Fiserv as part of the Proof function described above.
    Fiserv may encode additional fields, such as account numbers, deposit ticket
    totals, or other items as specified by Client. Any such encoding will be
    according to terms agreed to by Fiserv. In no event will Fiserv be liable
    for losses to Client due to encoding errors if Client has not satisfied all
    of its obligations set forth in Section 1 above. Should Fiserv's encoding
    services fail to meet the performance standard for proof of deposit set
    forth in Exhibit B-3, and Client incurs a potential loss due to an encoding
    error, Client shall use its best efforts to collect the amount in question
    from its customer (including without limitation, commencing legal action
    against the customer, obtaining a judgment, and attempting collection
    efforts based on said judgment) prior to submitting a claim for damages to
    Fiserv.

3. Exception Item Processing: Fiserv will either reject or pay items listed on
   the appropriate report, in accordance with written instructions, by Client's
   authorized officer or employee. The name of Client's officer or employee
   giving such instruction shall be noted on the item or on such other record
   as Fiserv may establish, together with the nature of the instruction. If
   Client has not instructed Fiserv regarding the disposition of any exception
   item drawn against Client by the agreed upon time each day, then Fiserv
   shall return it through the presentment chain to the depository bank or
   institution. Instructions to Fiserv on disposition of items that are
   received after the agreed upon deadline or are changed can result in a late
   charge. Should Fiserv's exception item processing fail to meet the
   performance standard for exception item processing set forth in Exhibit
   B-3, and Client incurs a potential loss due to an error, Client shall use
   its best efforts to collect the amount in

Westsound Bank                          3                          [FISERV LOGO]

<PAGE>
                                                                   Exhibit B - 1

question from its customer (including without limitation, commencing legal
action against the customer, obtaining a judgment, and attempting collection
efforts based on said judgment) prior to submitting a claim for damages to
Fiserv.

4.   Statement Services: All checks, drafts, and other orders for the payment of
     money drawn against accounts at Client that are to be stored by Fiserv,
     will be retained by Fiserv until the end of each Client's checking account
     cycle. The items will be sorted and filed or composed with the monthly
     statement, and mailed to the depositor. Client agrees to have statements
     printed according to predefined cycles and print classes. Statement
     enclosure counts will be accurately and clearly reported in the top fold of
     the statement. If required, Client agrees to expedite the return of any
     paid exception items to Fiserv in order to facilitate timely statement
     processing. Fiserv will apply proper postage, which will be pre-paid
     monthly (or as agreed upon by Client and Fiserv) on an estimated basis by
     Client. Automated Statements must contain bar coding compatible to the
     equipment being used. The bar coding must reflect the number of enclosures
     and page identification. The enclosure count must accurately reflect the
     number of expected items excluding stuffers. Bar coding must reflect if the
     statement is a "Special Pull" or a "Hold" statement. The checks to be
     rendered must have "stop document dividers" between accounts. Maximum
     number of items and statement stuffers (as defined by Fiserv Center) must
     not be exceeded. The envelopes must meet size criteria, defined by Fiserv
     and must be a "wet seal" not "self seal". Truncated accounts must be
     separated from accounts receiving checks.

5.   Inclearings: Client authorizes Fiserv to receive its inclearing items daily
     from the Federal Reserve Bank. Fiserv will balance the inclearing items to
     their cash letters, capture the items on magnetic media or image scan and
     transmit the account information to Client's data processor. Fiserv will
     also pull out for further handling the appropriate items for exception
     handling or scrutinizing, and deliver the items to bulk file storage or to
     Client for further processing.

6.   Courier Service: The parties hereto acknowledge that it will be necessary
     to make arrangements for the transport of items, records, and other data
     from Client to Fiserv and from the Federal Reserve or Correspondent bank to
     Fiserv. After Fiserv has provided the Item Processing Services, selected
     items, records, and data must be transported from Fiserv to Client and the
     Federal Reserve. The parties further acknowledge that the cost of such
     transportation shall be Client's sole responsibility.

     a.   Client has the right to make provision for its own courier service to
          provide the needed transportation as set forth in subsection 1.a.
          above. Should Client not make provision for such courier service, or
          should Client request that Fiserv make arrangements for such courier
          service, then Fiserv, for Client benefit, shall make arrangements for
          such a courier service. Client must notify Fiserv to provide such
          courier service no less than 30 days prior to the date that Fiserv is
          to begin providing Item Processing Services.

     b.   Client shall pay Fiserv for any and all charges, expenses, or costs
          incurred by Fiserv in contracting for said courier service.

     c.   Client understands and agrees that Fiserv shall not have or assume any
          liability or responsibility for such items, records, or data until
          they reach Fiserv premises and that Fiserv shall have no further
          responsibility or liability for them after they leave Fiserv premises.

     d.   The courier service shall at all times be deemed Client's independent
          contractor, and shall not, at any time or under any circumstances, be
          deemed Fiserv's agent or employee, regardless of whether said courier
          service, at any pertinent time herein, is affiliated with or employed
          by Fiserv.

     e.   Fiserv will monitor and track deliveries for Client. Should a delivery
          be missing, Fiserv will notify Client through appropriate channels.
          Should there be a dispute as to the proper delivery of any records,
          Fiserv's records of delivery will be accepted as the undisputed record
          of delivery.

7.   Conversion Services: Fiserv will provide conversion services based on the
     information provided by Client during the due diligence process. Following
     Client's initial conversion to Item Processing Services, any additional
     requests will be submitted to Fiserv at least 90 days prior to the required
     implementation date. An estimate for the additional conversion services
     will be provided. The implementation time for the conversion will be
     delayed if Client requires more than 3 days to approve or decline the
     conversion estimate. Client also acknowledges that Fiserv must approve any
     changes to the MICR line and/or Account Number structure for Client prior
     to proceeding with a conversion. Fiserv will make every reasonable attempt
     to convert new MICR line and/or Account Number structures. Client agrees to
     eliminate any non-standard MICR line and/or Account number structure as
     identified during the due diligence process from its daily capture service
     with 120 days after the initial conversion date. Client acknowledges that
     Fiserv may elect to charge a fee such as the Special Statements Fee listed
     in Exhibit B-2, for all non-standard items processed in the service. Client
     acknowledges that Fiserv may not be able to achieve the stated performance
     standards on accounts, transactions, or services involving non-standard

Westsound Bank                          4                          (FISERV LOGO)
<PAGE>
                                                                   Exhibit B-1

     MICR lines and/or Account Number structures. In the event that the Account
     Number appearing on the statement does not equal the Account Number on the
     MICR line, Fiserv will not be responsible for any performance standards
     relating to statement preparation and rendition.

     Initial Client conversion is based on the IP Business Assumptions List
     obtained during the due diligence process. This work includes an
     inclearings, POD and bulk file sort pattern. In addition, it includes a
     single extraction program to support the transmission of a daily
     inclearings and POD file to a host site for processing. Sort specifications
     will be developed in support of statement rendition services. Standard
     reporting will be provided to Client to include a daily transaction report
     sorted in transaction and account order, recaps of transmissions and cash
     letters, and a daily cash report if required.

 8.  Research Services: Fiserv will provide research and photocopy services upon
     request by Client or third party through legal process such as subpoena or
     search warrant. Client agrees to pay Fiserv for all such research work,
     regardless of whether it is requested by Client or a third party. Upon
     receipt of a request for subpoena work or other significant or voluminous
     research work, Fiserv will attempt to provide Client with an estimate of
     the time required and corresponding cost to complete the request prior to
     commencing the research services. Client must have selected an archival
     storage service with Fiserv in order to provide Research Services.

 9.  Data Transmission: Client and Fiserv acknowledge and agree that if the
     Client has contracted with a data processor other than Fiserv to provide
     data processing services for Client, Fiserv shall have no responsibility
     for the timeliness or quality of the service provided by Client's data
     processor. Client's data processor shall deliver directly to Client all
     reports generated from the data transmitted by Fiserv. If a data processor
     other than Fiserv is used, then Fiserv shall have no responsibility for the
     timeliness of such delivery or for the adequacy or accuracy of the reports
     supplied by Client's data processor, except for errors caused by Fiserv
     failure to transmit information.

10.  ImageStream Archive Services: Fiserv will provide image item archiving
     services to Client, as requested by Client. Items may be maintained in a
     migrated storage media technology. Services include:

     a.   Seven Year on-line storage of images.
     b.   Import and export of images through a Fiserv approved format.
     c.   Viewing access of images through an approved Fiserv Viewer and/or
          approved API (Application Program Interface).
     d.   Creation of a disk containing retrievable images of processed items in
          a format compatible with an approved Fiserv Viewer.

11.  Fraud Guard Services:

     a.   Digital Signature Verification. All designated on-us items drawn
          against accounts at Client, which are to be captured by Fiserv, will
          be processed through the Digital Signature Verification Technology
          ("DSV") to provide Client with a scoring of the presented item
          signature as compared to the reference signatures. It is Client's
          responsibility to maintain correct reference signatures and account
          rules on DSV. Client acknowledges that Fiserv only provides a scoring
          service and does not accept any responsibility for forged or
          counterfeit items improperly paid through Client's use of DSV. Client
          is responsible for designating the items for return with the
          appropriate return reason each business day by 2:00 p.m. local time.

     b.   Secure Seal Positive Pay. All designated DDA items drawn against
          accounts at Client, which are to be captured by Fiserv will be
          processed through the FraudGuard Positive Pay Plus and Secure Seal
          Technology to provide Client with a scoring and matching of the
          presented items as compared to the data that is decoded in the Secure
          Seal. The comparison process and the identification of exceptions will
          follow the account rules setup according to the Client's
          specifications. It is the Client's responsibility to maintain
          relationship with their customer to support the Secure Seal encoding,
          account rules on the technology and check stock. Client acknowledges
          that Fiserv only provides a scoring and matching service and does not
          accept any responsibilities for forged, altered or counterfeit items
          improperly paid by either Client or technology. Client is responsible
          for designating the items for return with the appropriate return
          reason each business day by 2:00 p.m. local time.

Westsound Bank                         5                          [Fiserv Logo]

<PAGE>
                                                                     Exhibit B-1

12.  ImageStream Remote Capture Services:

     a.   ImageStream Branch Capture Services: Fiserv will provide remote
          capture services to facilitate the capture of items from Client's
          image capture platform. Client agrees to purchase and configure
          equipment and software according to Fiserv's standards. Client is
          responsible for providing telecom services that connect to the Fiserv
          System as required by Fiserv. Client is also responsible for periodic
          scanning of items throughout the day to insure timely delivery of
          images to Fiserv for subsequent processing. Fiserv will also proof and
          balance any items/transactions captured through Fiserv's remote
          capture service. All items captured will be used by Fiserv to provide
          image services to Client. Client is responsible for having adequate
          equipment, telecom and plans to facilitate its contingency planning
          requirement for this service. Client is also responsible to ensure
          that items processed through the remote capture service meet the ANSI
          X9.37 standards for image quality. Client may be required to
          interrogate items for Fiserv to facilitate the processing of items for
          balancing of transactions, or such items will be placed in suspense
          for Client's investigation. Client's use of the Back Office
          Workstation Software and/or Teller Workstation Software listed on
          Exhibit B-2 (collectively, "Branch Capture Software") is subject to
          the additional terms and conditions set forth in Exhibit B-6.

     b.   ImageStream Merchant Capture Services: Client elects to use Fiserv's
          Merchant Capture end-to-end solution ("Merchant Capture Solution").
          Fiserv will provide a browser-based user interface and scanner
          (pursuant to Exhibit L) to Client for use by Client's corporate
          customer ("Customer"). This solution will be used by Customer to scan
          checks to be deposited at the Client. At the point of scan Fiserv
          agrees to perform an image quality assessment of the item. Items
          failing the quality assessment will not be included in the electronic
          deposit. A CAR/LAR read of the item will be performed at point of
          scan. Images of the check items will be converted into IRDs and
          processed with other POD work. Use of the Merchant Capture Solution is
          subject to the following additional terms:

          (i)   Client shall ensure that Customer uses the Merchant Capture
                Solution only for Customer's own internal business use in
                accordance with the terms of this Agreement. Without limiting
                the generality of the foregoing, Customer shall agree not to
                make the Merchant Capture Solution available or allow use of it
                in a computer bureau service business, timesharing, or otherwise
                disclose or allow use of the Merchant Capture Solution by or for
                the benefit of any third party.
          (ii)  Customer's access to and use of the Merchant Capture Solution
                shall be pursuant to a Customer agreement, sufficient to enable
                Client to comply with its obligations herein. Upon Fiserv's
                request, Client shall provide Fiserv with a copy of each such
                Customer agreement.
          (iii) Fiserv shall have the right to each Customer's performance and
                observance of the obligations and limitations set forth in the
                agreements between Client and Customers. Fiserv shall be a third
                party beneficiary of each agreement between Client and
                Customers.
          (iv)  Client agrees that in its dealings with Customers, Client will
                not make any representation or warranties in the name of Fiserv
                concerning the Merchant Capture Solution.

     c.   ImageStream IRD Print Services: Client elects to use IRD Print
          Services for the purpose of converting original checks to "Substitute
          Checks" for deposit. This service consists of an image quality
          assessment of the image file, routing of the image file to the print
          destination, printing of Substitute Checks including all consumables
          such as toner and paper, and printing and verification of the detail
          list(s) and cash letter. To achieve required integrated services, IRDs
          may then be processed into the Client's POD Capture Services.

     d.   Maintenance Services. Maintenance Services for Branch Capture Software
          and the Merchant Capture Solution (collectively, "Products") shall
          consist of the services set forth in this paragraph. Fiserv shall
          provide Client with upgrades and changes to the Products designed or
          developed by Fiserv or its licensors and released generally to its
          other customers that pay for such maintenance services. Fiserv
          reserves the right to make changes in operating procedures, program
          language, file structures, access techniques, general purpose
          programs, data storage requirements, input and output formats, report
          formats, types of hardware supported, throughput, and other related
          programming and documentation improvements required to maintain the
          currency of the Product. As part of these services, Fiserv will
          provide Client the changes with written instructions concerning
          implementation. It is understood and agreed that Fiserv's provision of
          upgrades and changes under this paragraph does not include providing
          new product to Client which may result from rewriting the Product.
          Fiserv alone shall determine whether work product related to the
          Product constitutes new product as a result of a complete rewrite
          (which is not provided to Client hereunder) or an improvement or
          enhancement of the Product which is included as part of maintenance
          services.

Westsound Bank                         6                           [FISERV LOGO]
<PAGE>
                                                                       Exhibit C

                            EFT SERVICES

Fiserv Solutions, Inc., a Wisconsin corporation ("Fiserv") and
WESTSOUND BANK ("Client") are executing this Exhibit C with the intention
that it shall form part of the Agreement between Fiserv and Client dated July
26, 2006, as amended through the date hereof (collectively, the "Agreement").

    Client agrees with Fiserv as follows:

    1. Services. Fiserv will provide Client the EFT Services (the "EFT"
Services") specified in Exhibit C-1 hereto.

    2. Network Support Services. Fiserv will provide Network Support Services
(monitoring, service, and maintenance for equipment) in accordance with
instructions supplied by the Client. If any or all of the communication network
should fail, Fiserv or its designated agents will locate the problem and correct
any malfunction not associated with equipment or circuits provided by common
carriers. If the problem is located in the equipment or circuits of the common
carriers, Fiserv will contact the common carriers and request that the problem
be corrected. Maintenance fees incurred by Fiserv for repairs caused by faulty
electrical power, inadequate physical facilities, physical abuse, or other
Client-supplied or controlled factors will be reimbursed by Client.

    3. Fees. CLIENT SHALL PAY FISERV THE FEES AND OTHER CHARGES FOR THE ACCOUNT
PROCESSING SERVICES SPECIFIED IN EXHIBIT C-2. THE FEES LISTED IN EXHIBIT C-2 ARE
VALID FOR THE ACCOUNT PROCESSING SERVICES CLIENT CONTRACTS FOR AS OF THE DATE OF
THE AGREEMENT. IF CLIENT SEEKS ADDITIONAL SERVICES FROM FISERV DURING THE TERM
OF THE AGREEMENT, FISERV'S FEES THEREFOR WILL BE QUOTED TO CLIENT UPON REQUEST.
FISERV AGREES TO GIVE AT LEAST 30 DAYS NOTICE TO CLIENT OF ANY CHANGES IN THE
RULES AND PROCEDURES ESTABLISHED FOR PROCESSING, UNLESS SUCH CHANGES ARE CAUSED
BY CHANGES MADE BY THE FEDERAL RESERVE SYSTEM OR OTHERWISE BEYOND THE CONTROL OF
FISERV, NOT PERMITTING FISERV TO GIVE SUCH ADVANCE NOTICE. FISERV RESERVES THE
RIGHT TO MAKE SUCH CHANGES TO THE EXHIBITS WITHOUT NOTICE AS MAY BE NECESSARY TO
COVER ANY INCREASES IN FEDERAL RESERVE SYSTEM COSTS AND CHARGES OR IN OTHER
COSTS AND CHARGES BEYOND FISERV'S CONTROL, INCLUDING CHANGES REQUIRED BY
APPLICABLE LAW OR REGULATORY ACTIVITY. THE FEES LISTED IN EXHIBIT C-2 MAY BE
CHANGED ANNUALLY EFFECTIVE EACH JANUARY 1 BEGINNING IN THE YEAR 2007 UPON 30
DAYS NOTICE TO CLIENT. EACH CHANGE SHALL BE LIMITED TO THE CHANGE IN THE U.S.
DEPARTMENT OF LABOR, CONSUMER PRICE INDEX FOR ALL URBAN HOUSEHOLDS - PACIFIC
NORTHWEST, PUBLISHED BY THE UNITED STATES DEPARTMENT OF LABOR, BUREAU OF LABOR
STATISTICS ("CPI") FOR THE 12-MONTH PERIOD PRECEDING EACH JANUARY 1 NOT TO
EXCEED 3% UNLESS THE CPI EXCEEDS 6%. ANY PERCENT OR FRACTION THEREOF ABOVE 6%
WILL BE ADDED TO THE 3%. FISERV WILL DELIVER TO CLIENT THE NOTIFICATION OF THE
FEE CHANGE Notwithstanding the foregoing limitations, Fiserv EFT shall have the
right to bill the Client the full amount of any increases in third-party
telecommunications costs, Network pass-through fees or other out-of-pocket
expenses incurred on behalf of Client as of the same effective date such
increases are billed to Fiserv EFT.

    4. Responsibility for Accounts. Client shall be responsible for balancing
its accounts each business day and notifying Fiserv immediately of any errors or
discrepancies. Provided that Client immediately notifies Fiserv of any
discrepancy in Client's Accounts, Fiserv shall, at its own expense, promptly
recompute accounts affected by discrepancies solely caused by Fiserv computer or
software systems or provide for another mutually agreeable resolution. Fiserv
will use its commercially reasonable efforts to correct errors attributable to
Client or other third party services of Client.
<PAGE>
     5.   Reports. Fiserv will provide output reports to Client for daily,
weekly, monthly, and annual transactions.

     6.   Backup Records. Fiserv currently retains historical files at a
location separate from the data center sufficient to recreate files for the
most recent week and month-end. A daily transaction log of all Client
transactions for the most recent ten business days will also be maintained at
this location.

     7.   Hours of Operation. The EFT Services will be available for use by
Client during standard Fiserv business hours, excluding company holidays, as
specified in Exhibit C-3 hereto.

     8.   Performance Standards. The EFT Services shall be performed in
accordance with the standards specified in Exhibit C-4 hereto.

     9.   Software Modifications (a) Custom Programming. Fiserv will develop a
preliminary estimate of the anticipated man hours and costs plus or minus fifty
(50) percent associated with the implementation of said change. This estimate
will be returned to Client within four weeks. Written acceptance by Client to
proceed with the project will be required prior to beginning the final
specifications. Fiserv will assign a projected completion date to the project,
provided no additional changes or modifications to the original specifications
occur once the project is in development.

     (b)  Regulatory Software Changes. Software changes required by government
bodies will be quoted in accordance with subsection (a) above and such costs
will be distributed to all clients on an equitable basis.

     (c)  Major Software Enhancements. All major software enhancements will be
subject to additional charges for processing and development in accordance with
Exhibit C-1 hereto. Fiserv is under no obligation to upgrade its software
during the term of this Agreement.

     10.  Hardware. (a) Client will obtain written approval from Fiserv prior
to connecting any equipment to the data communication equipment provided by
Fiserv. Equipment, if any connected to the Fiserv System must be configured in
a manner acceptable to Fiserv. Client agrees to pay Fiserv for the testing and
acceptance of such equipment by Fiserv at its then current rates.

     (b)  Client shall at all reasonable times permit the authorized personnel
of Fiserv and the equipment manufacturers to have access to any Fiserv owned or
leased equipment provided under this Agreement, and shall permit removal of
such equipment upon termination of this Agreement.

     11.  Protection of Data. Fiserv has developed an operations backup center
for which Client has agreed to pay the charges indicated in Exhibit C-2. Fiserv
tests the procedure periodically to ensure compliance. Copies of transactions
files are maintained by Fiserv off premises in secured vaults.

     12.  Regulatory Compliance. (a) Client is solely responsible for
ascertaining that its use of EFT Services complies with all applicable state
and federal statutory and regulatory requirements. Fiserv agrees, however, to
monitor such applicable requirements, and to make changes in the EFT Services
as Fiserv believes is necessary to bring the EFT Services into compliance.

     (b)  Upon the written request of Client or a governmental regulatory
authority, Fiserv shall make output available to such regulatory authority for
purposes of audits and supervisory examinations of Client. The Client shall pay
Fiserv its then current rate for any time devoted to such examination, audit,
consulting, or other similar related effort.
<PAGE>
     (c)  On an annual basis, Fiserv shall engage a qualified, independent
auditing firm to review and evaluate its internal control environment, in
accordance with relevant AICPA audit standards (a "SAS-70 Type II" Audit). Upon
completion of the engagement, a copy of the service auditor's report shall be
made available to Client at Fiserv's then current rate.

     13.  On-Line Security.  Fiserv will provide access to the Client, after
the execution of appropriate "on-line" security measures, to allow the Client
to perform Cardholder maintenance on Client's data files in the Fiserv system.

     14.  Network Agreement.  Fiserv provides access to electronic fund
transfer networks for the purpose of participating in the exchange of
transactions on an inter-network basis. Client may participate in such networks
subject to the following terms and conditions:

     (a)  Client will enter into an agreement with each such network in which
Client elects to participate, and will operate within and abide by the
operating rules established by each such network, and pay any associated fees
imposed by each such network; and

     (b)  The clearing of transactions and reconciliation of payments will be
in accordance with settlement procedures established between Fiserv and each
such network.

     15.  Exclusivity.  Client agrees that Fiserv shall be the exclusive
provider of electronic transaction services (i.e. ATM driving, ATM Cards, VISA
Check or MasterCard debit cards) that are the subject of this Exhibit. During
the term of this Agreement, Client agrees not to enter into any agreement with
any other entity to provide EFT Services (or similar services) provided
hereunder without the prior written consent of Fiserv.

     IN WITNESS WHEREOF, the parties hereto have caused this Exhibit C to the
Agreement to be executed by their duly authorized representative as of the date
indicated below.

FOR CLIENT:                               FOR FISERV:

WESTSOUND BANK                            FISERV SOLUTIONS, INC.
                                          DBA FISERV EFT

By: /s/ Mark Freeman                      By: /s/ Martin N. Singer
--------------------------------------    --------------------------------------

                                                  Martin N. Singer
--------------------------------------    --------------------------------------
Name                                      Name

                                                  Senior Vice President
--------------------------------------    --------------------------------------
Title                                     Title

        8/1/06                                    8/11/06
--------------------------------------    --------------------------------------
Date                                      Date
<PAGE>
                                                                     Exhibit C-1

                              EXECUTIVE OVERVIEW

Fiserv will provide Client with the following EFT Services:

1.  On-Line Host Interface. The operational environment that allows an
    electronic transaction to be processed against a cardholder's account.

2.  ATM Driving/Monitoring. The process of providing an ATM with the on-line
    instructions necessary to process transactions and verifying equipment
    and telephone operability.

3.  Networks. Those regional or national ATM associations who provide electronic
    access to financial transactions for cardholders of member financial
    institutions. Networks are as set forth in Exhibit C-2.

4.  Web Connectivity. Links Client's IBM compatible PC to the Fiserv System,
    allowing Client to retrieve reports, retrieve transaction history, and
    perform network adjustments.

5.  Card Management. An automated system for plastic card ordering, pin
    ordering, card re-issue tracking and "Hot Carding", accessible to
    Client via On-Line Terminal Dial-Up PC or Batch Processing.

6.  Transmissions. Transactions reports and settlement information transmitted
    to Client's host data processing system.

7.  Business Continuity. Fiserv's disaster recovery program.

8.  Telecommunications and Equipment. ATM phone line and modems relevant to
    driving and monitoring Client's ATMs.

9.  Conversion Date. On mutually agreed upon date by Client and Fiserv.<PAGE>
                                                                   EXHIBIT 10.10

                                 WESTSOUND BANK
                           401(K) Profit Sharing Plan

AUTOMATIC DATA PROCESSING                              STANDARDIZED 401(K) ADOPT
PROTOTYPE 401(K) AND PROFIT SHARING PLAN                               AGREEMENT

Upon acceptance by the Trustee, the undersigned company adopts the Automatic
Data Processing Prototype 401(k) and Profit Sharing Plan (the "Plan")
incorporated by this reference, agrees to the terms of the plan, certifies the
accuracy of the following information, and makes the following elections under
the plan

1.   Fill in exact legal name, and complete identifying information.

State or Local Government option is only available to permissibly grandfathered
entities.

1.   For example, ABC, Inc. 401(k) Plan.

2.   Use plan number which is to be used for IRS reporting purposes, such as
     Form 5500, and Form 1099-R. For example, the first qualified retirement
     plan for the Company should be 001.

3.   Complete this item for ALL Plans. Fill in the date the provisions of this
     Plan first become/became applicable.

4.   Always complete this item for amended and restated Plans.

1.   Complete this item only for :

     a.   amended and restated Plan with an existing non-calendar year Plan
          Year; or

     b.   newly established safe harbor Plan with an effective date other than
          1/1; or

     c.   newly established Plan started in the year the business is
          established.

2.   Complete this item only if (a) the company or its affiliates have any other
     tax-qualified plans, and. (b) the limitation year of the other plan(s) is
     not the calendar year.

I.   COMPANY AND PLAN REGISTRATION INFORMATION

     Note: All Affiliates as defined in Article 1 of the basic Plan document who
     adopt this Plan must be indicated on the last page of this Agreement.

     A.   COMPANY INFORMATION. Complete this item based on the lead Employer.

          1.   Name and address of Company:
               West Sound Bank
               190 Pacific Ave
               Bremerton WA 98337

          2.   Telephone number: (360) 405 1202

          3.   Type of entity (choose one):

               [ ] Sole Proprietorship

               [X] Corporation

               [ ] Tax Exempt

               [ ] Limited Liability Company

               [ ] State or Local Government

               [ ] Partnership

               [ ] S Corporation

               [ ] Indian Tribe

               [ ] Limited Liability Partnership

               [ ] Other (specify) _________________

          4.   Date of incorporation or date business began. 03/12/1999.

          5.   Employer Identification Number: 91 - 1925181.

     B.   PLAN INFORMATION

          1.   Name of Plan: West Sound Bank 401(k) Plan

          2.   Plan Number: 001

          3.   Original Effective Date of this Plan: 01/01/2002.

          4.   If applicable, the Effective Date of this amendment and
               restatement: _____/_____/_______.

     C.   PLAN ADMINISTRATION

          1.   Plan Year (Plan Article 1) means the calendar year. If
               applicable, there will be a short Plan Year commencing on
               ______/______/______ and ending on 12/31/______.

          2.   Limitaion Year means the Plan Year, unless otherwise specified
               here: ______/______/______.

                                                                     Page 1 of 9

<PAGE>

A.   Must choose 1 or 2. Note: Under ADP prototype program, union employees are
     not permitted to participate in the same plan as nonunion employees.

2.   Check each appropriate box (a and/or b) to specify excluded employee
     groups, if applicable.

a.   For a Plan established for union employees, specify if not all union
     employees are included. For example: If Plan is set-up for employees in
     Union X, but employees in Union Y are excluded. Union Y should be
     specified.

b.   If chosen, in the event of a corporate acquisition, employees of the
     acquired company will be excluded from participation in the Plan for a
     period not to exceed two years (as determined by the acquisition date and
     Plan Year).

2.   If one YEAR OF ELIGIBILITY SERVICE is selected, then Employees may begin
     participation on the first day of the month after a 12 consecutive month
     period (as specified in the Plan) in which they complete 1,000 Hours of
     Service.

3.   If MONTHS OF SERVICE is selected, whole months must be entered within this
     option. An Employee is credited for each month during which he performs one
     Hour of Service. No additional Hour of Service requirements can be chosen
     if Months of Service is elected.

III. 2. Not yet available due to system constraints.

A.   Must select one.

II.  ELIGIBILITY AND PARTICIPATION REQUIREMENTS

     A.   ELIGIBLE EMPLOYEES (Plan Article 1)
          Choose one:

     1.   [X] All Employees of an Employer are eligible to participate in the
              Plan.

     2.   [ ] All Employees of an Employer are eligible to participate in the
              Plan, except (choose as desired):

          a.   [ ]  Employees included in a bargaining unit covered by a
                    collective bargaining agreement with the Employer in the
                    negotiation of which retirement benefits were the subject of
                    good faith bargaining (unless the bargaining agreement
                    provides for participation in the Plan).
                    ________________________________________________________
                    ________________________________________________________

          b.   [ ]  Employees not required to be taken into account for
                    nondiscrimination testing purposes under Code Section
                    410(b)(6)(C), but only during the Code Section 410(b)(6)(C)
                    transition period.

     B.   MINIMUM AGE FOR PARTICIPATION (PLAN SECTION 2.1.1(A))
          Choose one:

          1.   [ ] No minimum age requirement.

          2.   [X] After reaching age 18 (not to exceed 21).

     C.   MINIMUM SERVICE FOR PARTICIPATION (PLAN SECTION 2.1.1(B))
          Choose one:

          1.   [ ] No minimum service requirement.

          2.   [ ] After completing one YEAR OF ELIGIBILITY SERVICE.

          3.   [X] After completing 6 (not to exceed 6) MONTHS OF SERVICE.

III. COMPENSATION FOR INITIAL YEAR OF PARTICIPATION

     For an Employee's first year of participation, Compensation shall be
     recognized for purposes of allocation of Nonelective Contributions (other
     than the required minimum top-heavy contribution) as of (choose one):

     1.   [X] the first day of the Plan Year.

     2.   [ ] the Entry Date next following the date the Participant became
              eligible for the Plan.

IV.  SAFE HARBOR PLAN ELECTION

     A.   SAFE HARBOR 401(K) PLAN
          Choose one:

          1.   [X] Safe Harbor 40l(k) Plan is not elected.

          2.   [ ] Safe Harbor 401(k) Plan is elected.

                                                                     Page 2 of 9

<PAGE>

The sum of contributions under the Plan cannot exceed the permissible limits
under the Code.

A.   The minimum will not be less than 1%. Percentages must be whole numbers.
     The maximum percentage is 90%. If Section IV.A.2 is elected. 1% minimum
     must be entered.

     Federal and state income tax withholding and other deductions from employee
     pay should be taken into account in determining the maximum percentage.

b.   First blank space: Select whole integers between 1 and 100%, in increments
     of 5.

     Second blank space: If Section IV.A.2 and Section V.D.3 are elected, insert
     a whole integer between 1 and 6%.

c.   If Section IV.A.2 and Section V.D.3 are elected, any Discretionary Match
     must meet the limitations of Plan Section E.5.2.

d.   Insert 4, 5, or 6%. Do not complete if Section V.D.3 has been elected.

2.   Complete only if safe harbor Matching Contributions are to be made under
     Section V.B.1.d.

3.   If no match or per payroll match (either safe harbor or non safe harbor) is
     elected, select "c". If discretionary match under Section V.B.1.c, or year
     end safe harbor match under Section V.B.1.d, select "a" or "b".

4.   Not applicable to safe harbor match elected under Section V.B.1.d.

C.   Must check one box.

2.   If plan is going to be a Safe Harbor 401(k) Plan (IV.A.2 chosen) and safe
     harbor Nonelective contribution in V.D.3 is elected, Section V.C.1 must be
     elected as well. If Section V.D.3 is elected, the safe harbor Nonelective
     Contribution provided for therein is not discretionary and must be
     contributed in the amount provided in Section V.D.3

V.   CONTRIBUTIONS (PLAN ARTICLE III AND APPENDIX E, IF APPLICABLE)

     A.   ELECTIVE DEFERRALS

          The minimum percentage of Compensation a Participant may elect to
          defer is 1% and the maximum percentage of Compensation a Participant
          may elect to defer is 90%.

     B.   MATCHING CONTRIBUTIONS.

          1. Amount of Contribution (choose one):

               a.   [ ] Matching Contributions will not be allowed under this
                        Plan.

               b.   [ ] The Matching Contribution equals __________% on the
                        first _______% of the Participant's Compensation which
                        is deferred as an Elective Deferral. Matching
                        Contributions shall be determined each payroll period.

               c.   [X] Discretionary Match: The Employer may, in its sole
                        discretion, contribute and allocate to each eligible
                        Participant's Account, a percentage of the Participant's
                        Elective Deferrals. Matching Contributions, if any,
                        shall be determined as of the end of the Plan Year.

               d.   [ ] ADP Test Safe Harbor Contribution: Matching Contribution
                        equals 100% on the first ______% of Participant's
                        Compensation which is deferred as an Elective Deferral.

          2. FOR SAFE HARBOR PLANS ONLY. Select the following if Safe Harbor
          40l(k) Plan is chosen and Matching Contribution under Section V.B.1.d
          is elected. The safe harbor Matching Contribution will be made (choose
          one):

               a.   [ ] at year end.

               b.   [ ] on a payroll-by-payroll basis.

          3. Employees Eligible for Matching Contributions (choose one):

               a.   [X] Allocated to all Eligible Employees, whether or not
                        Eligible Employees on the last day of the Plan Year.

               b.   [ ] Allocated to all Eligible Employees, who are Non-Highly
                        Compensated Employees whether or not Eligible Employees
                        on the last day of the Plan Year.

               c.   [ ] Not applicable because no match or per payroll match has
                        been elected.

          4. Maximum Annual Matching Contribution (optional):

                    [ ] The Matching Contribution will not exceed $______ a
                        year.

     C.   NONELECTIVE CONTRIBUTIONS
          Choose one:

          1.   [X] Nonelective Contributions may be permitted at the discretion
                   of the Company.

          2.   [ ] Nonelective Contributions will not be allowed under this
                   Plan.

                                                                     Page 3 of 9

<PAGE>

3.   Select whole integer (minimum of 3%). Do not complete if Section V.B.1.d.
     has been elected.

E.   Must check one box.

F.   Complete Section F only if nonintegrated formula was chosen in Section D.

A.   ADP Test Safe Harbor Contribution accounts are fully vested (as provided
     for in the Prototype Plan base Plan document). This section does not apply
     for matching contributions elected in Section V.B.1.d.

1.   Must check one box.

     CANNOT SELECT ITEM B.

     If Item e is selected, vesting schedule must be at least as favorable as
     Graded Vesting Schedule 1 for each Year of Vesting Service.

     For amended and restated Plans that have elected Matching Contributions to
     meet the ADP Test Safe Harbor (Section V.B.1.d): Select vesting schedule in
     effect for any non safe harbor Matching Contributions that had previously
     been provided.

     f.   For amended and restated Plans; Only select Item f if Plan never
          provided for Matching Contributions. If Plan ever provided for
          Matching Contributions, must select vesting (Illegible).

D.   ALLOCATION FORMULA FOR NONELECTIVE CONTRIBUTIONS:
     Method of Allocation (choose one):

     1.   [X] NON-INTEGRATED - The Employer's Nonelective Contributions for each
              Plan Year will be divided among Participants' Accounts as elected
              by the Employer under Section V.E.

     2.   [ ] Allocation under the SOCIAL SECURITY INTEGRATION (permitted
              disparity) rules described in Section 3.1.6 of the Plan - Under
              this option, a larger percentage of the Nonelective Contribution
              is allocated to each Participant whose Compensation is in excess
              of the Social Security Taxable Wage Base (that is, the "Excess
              Compensation"). This option is not available to an Employer with
              another integrated plan benefiting the same Participants.

     3.   [ ] Safe harbor Nonelective Contribution equal to ____% of
             Participant's Compensation.

     4.   [ ] Not applicable because Non-elective Contributions are not elected
              in V.C.

E.   EMPLOYEES ELIGIBLE FOR NONELECTIVE CONTRIBUTIONS
     Choose one:

     1.   [X] Allocated to all Eligible Employees, whether or not Eligible
              Employees on the last day of the Plan Year.

     2.   [ ] Allocated to all Eligible Employees, who are Non-Highly
              Compensated Employees whether or not Eligible Employees on the
              last day of the Plan Year.

     3.   [ ] Not applicable because Nonelective Contributions are not elected
              in V.C.

F.   ALLOCATION METHOD FOR NONINTEGRATED NONELECTIVE CONTRIBUTIONS
     Choose one:

     1.   [X] Participant Compensation to total Compensation of all
              Participants.

     2.   [ ] Same dollar amount. Insert dollar amount. $__________________.

     3.   [ ] Same dollar amount for each uniform unit of service (not to exceed
              one week), performed by the Employee during the Plan Year. Insert
              dollar amount $______________ and unit of service ______________.

VI.  VESTING (PLAN ARTICLE IV)

     A.   VESTING SCHEDULE

          Each Participant whose Employment terminates for reasons other than
          death. Disability, attainment of Normal Retirement Age or Early
          Retirement (if elected in Section VII). is entitled to a
          nonforfeitable right to his or her Employer Contribution Account based
          on the following schedules:

          I.   MATCHING CONTRIBUTIONS

               a.   [ ] Immediate 100% nonforfeitability.

               b.   [ ] 100% nonforfeitability after 5 Years of Vesting Service.

               c.   [ ] 100% nonforfeitability after 3 Years of Vesting Service.

               d.   [X] Graded Vesting Schedule 1.

               e.   [ ] Graded Vesting Schedule 2. (See next page.)

               f.   [ ] Not applicable because Matching Contributions are not
                        and have never been provided for in Plan.

GRADED VESTING SCHEDULE 1

<TABLE>
<CAPTION>
YEARS OF VESTING SERVICE      NONFORFEITABLE PERCENTAGE
------------------------      -------------------------
<S>                           <C>
Less than 2                                0%
At least 2, but less than 3               20%
At least 3, but less than 4               40%
At least 4, but less than 5               60%
At least 5, but less than 6               80%
6 or more                                100%
</TABLE>

                                                                     Page 4 of 9
<PAGE>

If selected, Vesting Schedule 2 must satisfy the requirements of Code Section
411(a)(12)(at least as fast as Graded Vesting Schedule 1).

Percentage must be in whole numbers.

2.   Must check one box from a-f. This section applies only to the vesting of
     regular non safe harbor Nonelective Contributions.

     For amended and restated Plans that have elected safe harbor Nonelective
     Contributions: Select vesting schedule in effect for any non safe harbor
     Nonelective Contributions that had previously been provided for.

     f.   For amended and restated Plans: Only select Item f if Plan never
          provided for Nonelective Contributions. If Plan ever provided for
          regular non safe harbor Nonelective Contributions, must select vesting
          schedule.

Percentages must be in whole numbers.

     B.   For all Plans, select Years of Service to be credited under the Plan
          as Vesting Service.

GRADED VESTING SCHEDULE 2

<TABLE>
<CAPTION>
Years of Vesting Service      Nonforfeitable Percentage
------------------------      -------------------------
<S>                           <C>
Less than 1                   _________________________
At least 1, but less than 2   _________________________
At least 2, but less than 3   _________________________
At least 3, but less than 4   _________________________ Not less than 20%
At least 4, but less than 5   _________________________ Not less than 40%
At least 5, but less than 6   _________________________ Not less than 60%
At least 6, but less than 7   _________________________ Not less than 80%
7 or more                                100%
</TABLE>

2.   NON-ELECTIVE CONTRIBUTIONS

     a.   [ ]  Immediate 100% nonforfeitability.

     b.   [ ]  100% nonforfeitability after 5 Years of Vesting Service.

     c.   [ ]  100% nonforfeitability after 3 Years of Vesting Service.

     d.   [X]  Graded Vesting Schedule 1.

     e.   [ ]  Graded Vesting Schedule 2.

     f.   [ ]  Not applicable because Nonelective Contributions are not and have
               never been provided for in Plan.

GRADED VESTING SCHEDULE 1

<TABLE>
<CAPTION>
Years of Vesting Service      Nonforfeitable Percentage
------------------------      -------------------------
<S>                           <C>
Less than 2                                0%
At least 2, but less than 3               20%
At least 3, but less than 4               40%
At least 4, but less than 5               60%
At least 5, but less than 6               80%
6 or more                                100%
</TABLE>

GRADED VESTING SCHEDULE 2

<TABLE>
<CAPTION>
Years of Vesting Service      Nonforfeitable Percentage
------------------------      -------------------------
<S>                           <C>
Less than 1                   _________________________
At least 1, but less than 2   _________________________
At least 2, but less than 3   _________________________
At least 3, but less than 4   _________________________ Not less than 20%
At least 4, but less than 5   _________________________ Not less than 40%
At least 5, but less than 6   _________________________ Not less than 60%
At least 6, but less than 7   _________________________ Not less than 80%
7 or more                                100%
</TABLE>

B.   VESTING SERVICE
     Choose one:

     1.   [X] All Years of Service are credited to determine a Participant's
              Vesting Service.

     2.   [ ] All Years of Service are credited to determine a Participant's
              Vesting Service except Years of Service before the Company
              maintained this Plan or a predecessor plan.

     3.   [ ] Not applicable. 100% immediate vesting applies to BOTH Nonelective
              and Matching Contributions.

                                                                     Page 5 of 9

<PAGE>

C.   Select one option from Section V1 C for all Plans.

     Select the existing Vesting Computation Period for amended and restated
     Plans.

     Select only the first or fourth options for ALL new Plans, unless instances
     of prospective trust to trust transfers or plan mergers require otherwise
     for administrative reasons.

VII. Must select A or B.

     For an amended and restated Plan, if Disability definition from the Plan
     prior to amendment and restatement does not appear in this Section VIII,
     please specify the definition in "Other".

     COMPLETE THE REMAINDER OF THIS SECTION IX ONLY IF THE ANSWER TO THIS
     QUESTION IS "YES".

C.   VESTING COMPUTATION PERIOD/METHOD OF CREDITING VESTING SERVICE

     Choose one:

     1.   [X] Employment year. This is the 12 month period beginning on date of
              hire. The method for crediting Vesting Service will be elapsed
              time.

     2.   [ ] Plan Year. The method for crediting Vesting Service will be based
              on Hours of Service with 190 Hours of Service credited for each
              month in which an Hour of Service is credited.

     3.   [ ] Employment year. This is the 12 month period beginning on date of
              hire. The method for crediting Vesting Service will be based on
              Hours of Service with 190 Hours of Service credited for each month
              in which an Hour of Service is credited.

     4.   [ ] Not applicable. 100% immediate vesting applies to BOTH Nonelective
              and Matching Contributions.

VII. EARLY RETIREMENT

     Upon attaining his or her Early Retirement Date, a Participant shall be
     fully vested in his or her Employer Contribution Account.

     A.   [X] No Early Retirement Date.

     B.   [ ] To be eligible for Early Retirement, a Participant must have
              reached age ____.

VIII. DISABILITY

     Choose one of the following definitions:

     A.   [X] Becoming eligible for disability benefits under the Employer's
              long term disability plan.

     B.   [ ] Becoming eligible for disability benefits under the Social
              Security Act.

     C.   [ ] Inability to engage in any substantial gainful activity by reason
              of any medically determined physical or mental impairment that can
              be expected to result in death or which has lasted or can be
              expected to last for a continuous period of not less than 12
              months.

     D.   [ ] Total and permanent inability to meet the requirements of the
              Participant's customary Employment which can be expected to last
              for a period of not less than 12 months.

     E.   [ ] Other ____________________________________________________________
              __________________________________________________________________
              __________________________________________________________________

IX.  ANNUAL ADDITION LIMITATION ELECTIONS (PLAN APPENDIX B)

     Does the Company or any Affiliate maintain, or has the Company or any
     Affiliate ever maintained, another qualified plan in which any Participant
     in this Plan is (or was) a participant or could possibly become a
     participant?

          [ ] Yes

          [X] No

                                                                     Page 6 of 9

<PAGE>

Determine whether Section A, B, or C applies to the Company. Choose only one.

B.   Complete Section B only for Plans with an original Effective Date prior to
     January 1, 2000. Must be completed for these Plans.

C.   Complete Section C only for Plans with an original Effective Date prior to
     January 1, 2000. Must be completed for these Plans.

A.   MUST BE COMPLETED FOR ALL PLANS. SELECT 1 OR 2.

Complete the remainder of Section X if any of items A, B, or C under Section IX
were completed.

C.   Select which plan will provide the minimum contribution.

A.   If a Participant is or was a participant under another qualified defined
     contribution plan, other than a Master or Prototype plan maintained by the
     Company or an Affiliate, or if the Employer maintains a welfare benefit
     fund as defined in Code Section 419(e) or an individual medical account as
     defined in Code Section 415(1)(2) under which amounts are treated as Annual
     Additions (choose one):

     1.   [ ] the provisions of Section B.3.2 through B.3.4 of the Plan apply as
              if the other plan were a Master or Prototype Plan: or

     2.   [ ] the plans will limit Annual Additions to the maximum amount
              permitted under Section B.3.1 of the Plan and will reduce any
              Excess Amounts as follows (choose one):

          a.   [ ] by reducing contributions under this Plan.

          b.   [ ] by reducing contributions under the other plans (only
                   applicable if plans have not terminated).

B.   If a Participant is or was a participant in a qualified defined benefit
     plan maintained by the Company or an Affiliate, the limitations of Section
     B.3.6 of the Plan will be met as follows (choose one):

     1.   [ ] by reducing contributions under this Plan.

     2.   [ ] by limiting accrued benefits under the qualified defined benefit
              plan (only applicable if plan has not terminated).

C.   If a Participant is or was also covered under another qualified defined
     contribution plan, other than a Master or Prototype Plan, maintained by the
     Company or an Affiliate, or if the Company or an Affiliate maintains a
     welfare benefit fund as defined in Code Section 4l9(e) or an individual
     medical account as defined in Code Section 415(1)(2) under which amounts
     are treated as Annual Additions, and a Participant is or was a participant
     in a qualified defined benefit plan maintained by the Company or an
     Affiliate, the limitations in accordance with Appendix B will be met as
     follows (choose one):

     1.   [ ] by reducing contributions under the other defined contribution
              plan (only applicable if plan has not terminated).

     2.   [ ] by reducing contributions under this Plan.

     3.   [ ] by limiting accrued benefits under the defined benefit plan (only
              applicable if plan has not terminated).

The methods described in IX(A), IX(B) and IX(C) must preclude Employer
discretion.

X.   TOP-HEAVY ELECTIONS (PLAN APPENDIX C)

A.   The minimum top-heavy contribution will be allocated to (choose one):

     1.   [X] all non-Key Employees employed by the Employer on the last day of
              the Plan Year.

     2.   [ ] all Eligible Employees employed by the Employer during the Plan
              Year.

B.   If a Participant was a participant in any other plan previously maintained
     by the Company or Affiliate, check this box [ ].

C.   If a Participant also participates in another defined contribution plan,
     the minimum contribution of 3% of Compensation is provided under (choose
     one):

     1.   [ ] this Plan.

     2.   [ ] the other defined contribution plan.

D.   If a Participant also participates in a qualified defined benefit plan, to
     determine the top-heavy status of the aggregated plans, the interest rate
     is ___%, the mortality table is ____________, and the requirements under
     Code Section 416(c) are satisfied by providing (choose one):

     1.   [ ] a minimum contribution under this Plan in an amount equal to at
              least 5% of Compensation.

     2.   [ ] a minimum accrued benefit under the qualified defined benefit
              plan.

                                                                     Page 7 of 9

<PAGE>

E.   If a Participant also participates to another defined contribution plan and
     also participates in a qualified defined benefit plan, to determine the
     top-heavy status of the aggregated plans, the interest rate is ___%. the
     mortality table is _______________, and the requirements under Code
     Section 416(c) are satisfied by providing (choose one):

     1.   [ ] a minimum contribution under the other defined contribution plan
              in an amount equal to at least 5% of Compensation.

     2.   [ ] a minimum contribution under this Plan in an amount equal to at
              least 5% of Compensation.

     3.   [ ] a minimum accrued benefit under the qualified defined benefit
              plan.

XI.  MISCELLANEOUS

A.   INQUIRIES

     If you have any questions about the legal and tax implications of adopting
     the Plan, you should consult with your attorney. However, if you have any
     questions about either the Prototype Plan or the Adoption Agreement, please
     write to the sponsoring organization at the following address:

               Automatic Data Processing Federal Credit Union
               One ADP Boulevard
               Roseland, New Jersey 07068
               Attn: Prototype 40l(k) Coordinator
               (973) 994-5000

B.   NOTIFICATION

     The Prototype Sponsor will notify you as an adopting Company of any
     amendments made to the Plan, or the discontinuance or abandonment of the
     Plan, unless services provided by a related company of ADP Federal Credit
     Union are discontinued.

C.   CAUTIONARY STATEMENT

     It is important that you complete the Adoption Agreement with great care.
     Failure to fill out the Adoption Agreement properly may result in
     disqualification of the Plan.

                                                                     Page 8 of 9

<PAGE>

Generally, an Officer is an administrative executive of an employer who is in
regular and continued service.

This date must be no later than the last day of the Plan Year. It is the date
this Adoption Agreement is being executed.

D.   RELIANCE ON OPINION LETTER

     The adopting Company may rely on an opinion letter issued by the Internal
     Revenue Service as evidence that the Plan is qualified under section 401 of
     the Internal Revenue Code except to the extent provided in Rev. Proc.
     2000-20, 2000-6 I.R.B 553 and Announcement 2001-77, 2001-30 I.R.B.

     A Company who has ever maintained or who later adopts any plan (including a
     welfare benefit fund, as defined in section 419(e) of the Code, which
     provides post-retirement medical benefits allocated to separate accounts
     for key employees, as defined in the Section 419A(d)(3) of the Code, or an
     individual medical account, as defined in Section 415(1)(2) of the Code) in
     addition to this Plan may not rely on the opinion letter issued by the
     Internal Revenue Service with respect to the requirements of sections 415
     and 416.

     If the Company who adopts or maintains multiple plans wishes to obtain
     reliance with respect to the requirements of sections 415 and 416,
     application for a determination letter must be made to Employee Plans
     Determinations of the Internal Revenue Service.

     The Company may not rely on the opinion letter in certain other
     circumstances, which are specified in the opinion letter issued with
     respect to the Prototype Plan or in Revenue Procedure 2000-20 and
     Announcement 2001-77.

     This Adoption Agreement may be used only in conjunction with Basic Plan
     Document No. 03.

VERONICA R. COLBURN
VP & CFO
Name and Title of Authorizing Officer (Please Print)

Signature: /s/ Veronica R. Colburn
           --------------------------
Date Signed: 8-8-02

I hereby certify that the following entities by appropriate corporate or
analogous acts, have elected to become Participating Affiliates (as defined
within Section 1.1.52 of the basic Plan document) in the Plan and the Company
has consented thereto in writing.

Participating Affiliate(s):

_____________________________________
_____________________________________
_____________________________________
_____________________________________
_____________________________________
_____________________________________
_____________________________________
_____________________________________
_____________________________________
_____________________________________
_____________________________________
_____________________________________

                                                                     Page 9 of 9
<PAGE>

                  ADP PARTICIPANT TRANSACTION FEE AUTHORIZATION

ADP Plan Number:        321680

Name of Plan:           Westsound Bank 401(k) Plan

Plan Sponsor Name:      Westsound Bank

Plan Sponsor Address:   190 Pacific Ave
                        Bremerton, WA 98337

ADP, Inc., ("ADP"), the recordkeeper and administrative service provider for the
Plan, pursuant to the Administrative Services Agreement entered into between ADP
and the plan sponsor (the "Service Agreement"), charges fees for processing the
following participant transactions: in-service withdrawals, loans and
distributions upon termination of participation in the Plan. As or on behalf of
the plan administrator and the plan sponsor, I acknowledge that ADP has
disclosed the current amount of the fees for the foregoing transactions. ADP is
hereby directed to charge the amount of the fee previously disclosed directly to
the account of each participant engaging in the above-described transactions,
and that such fees shall be liquidated pro-rata from the investment funds in
which the participant's account is invested at the time that the transaction is
processed. I further direct that if the amount of such fee shall change in the
future, this authorization shall remain in effect (provided that ADP has
provided notice of any such fee change as is required under the Service
Agreement) unless prior to the effective date of such fee change, the plan
sponsor or plan administrator of the Plan has notified ADP that it may no longer
charge such fees directly to participants' accounts and that the plan sponsor
shall be invoiced for such fees.

PLAN ADMINISTRATOR

Approved by: /s/ Veronica R. Colburn
             -----------------------
Name: Veronica R. Colburn

<PAGE>

                                 ADDENDUM TO THE
                   AUTOMATIC DATA PROCESSING PROTOTYPE 401(K)
                             AND PROFIT SHARING PLAN

The Prototype Sponsor hereby adopts this amendment to the Automatic Data
Processing Prototype 401(k) and Profit Sharing Plan (the "Prototype Plan") on
behalf of all adopting Employers, in accordance with Internal Revenue Service
Notice 2005-5 and Section 9.1.1 of the Prototype Plan. This amendment is
intended as a "good faith" amendment and shall supersede the provisions of the
Prototype Plan to the extent those provisions are inconsistent with the
provisions of this amendment. This amendment is effective as of March 28, 2005;
provided, however, that, for any plan that is first amended and restated into
the form of this Prototype Plan after March 28, 2005, this amendment shall be
effective as of the date of such amendment and restatement.

The Prototype Plan is hereby amended as follows:

     "Notwithstanding anything in this Plan to the contrary, in the event of a
     mandatory distribution in accordance with the provisions of Section 5.2.1
     that is greater than $1,000, if the Participant does not elect to have such
     distribution paid directly to an eligible retirement plan specified by the
     Participant in a Direct Rollover or to receive the distribution directly in
     accordance with Section 5.2.1, then the Administrative Committee will pay
     the distribution in a Direct Rollover to an individual retirement plan
     designated by the Administrative Committee.

     If the Administrative Committee satisfies the safe harbor requirements of
     ERISA Regulation ss.404a-2 with respect to an amount less than or equal to
     $1,000 (including the designation of an individual retirement plan willing
     to accept rollovers of mandatory distributions of such lower amounts), the
     Administrative Committee may adopt administrative procedures applicable to
     all Participants under which the $1,000 threshold set forth in the
     preceding paragraph is set at an amount below $1,000."

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