Document:

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                                                                   EXHIBIT 10.17

                             FORM OF INDEMNIFICATION
                            AGREEMENT WITH DIRECTORS

     This Agreement is made as of the _____ day of __________, 2006, by and
between WSB FINANCIAL GROUP, INC., a Washington corporation (the "Company") and
_________________________ ("Indemnitee"), a Director of the Company.

                                   WITNESSETH:

     WHEREAS, it is essential to the Company to retain and attract as Directors
the most capable persons available; and

     WHEREAS, the substantial increase in corporate litigation subjects
Directors to expensive litigation risks at the same time that the availability
of Directors' liability insurance has been severely limited; and

     WHEREAS, it is now and has always been the express policy of the Company to
indemnify its Directors so as to provide them with the maximum possible
protection permitted by law; and

     WHEREAS, Indemnitee does not regard the protection available under the
Company's Articles of Incorporation and Bylaws and insurance as adequate in the
present circumstances, and may not be willing to continue to serve as a Director
without adequate protection, and the Company desires Indemnitee to continue to
serve in such capacity.

     NOW, THEREFORE, in consideration of the Indemnitee's continued service as a
Director of the Company, the Company and Indemnitee do hereby agree as follows:

     1. Agreement to Serve. Indemnitee agrees to continue to serve as a Director
of the Company for so long as he or she is duly elected or appointed or until
such time as he or she tenders his or her resignation in writing.

     2. Definitions. As used in this Agreement:

          (a) The term "Proceeding" shall include any threatened, pending, or
completed action, suit, or proceeding, whether brought by or in the right of the
Company or otherwise, and whether of a civil, criminal, administrative, or
investigative nature, in which Indemnitee is or was a party or is threatened to
be made a party by reason of the fact that Indemnitee is or was a Director of
the Company (or any subsidiary of the Company), or is or was serving at the
request of the Company as a director, officer, employee, agent, or fiduciary of
another corporation, partnership, joint venture, trust, or other enterprise.

          (b) The term "Expenses" shall include, without limitation, expenses of
investigation, judicial or administrative proceedings or appeals, amounts paid
in settlement by or on behalf of Indemnitee, attorneys' fees, and disbursements
and any expenses of establishing a right to indemnification under Paragraph 7 of
this Agreement, but shall not include amounts of judgments, fines, or penalties
against Indemnitee.

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          (c) References to "other enterprises" shall include employee benefit
plans; references to "fines" shall include any excise taxes assessed on
Indemnitee with respect to any employee benefit plan; references to "serving at
the request of the Company" shall include any service as a Director, Officer,
employee or agent of the Company which imposes duties on, or involves services
by, such Director, Officer, employee, agent, or fiduciary with respect to an
employee benefit plan, its participants, or beneficiaries; and a person who
acted in good faith and in a manner he or she reasonably believed to be in the
interest of the participants and beneficiaries of an employee benefit plan shall
be deemed to have acted in a manner "not opposed to the best interest of the
Company" as referred to in this Agreement.

     3. Indemnity in Third-Party Proceedings. The Company shall indemnify
Indemnitee in accordance with the provisions of this Paragraph, against all
Expenses, judgments, fines, and penalties actually and reasonably incurred by
Indemnitee in connection with the defense or settlement of any Proceeding (other
than a Proceeding by or in the right of the Company to procure a judgment in its
favor), but only if Indemnitee acted in good faith and in a manner which he or
she reasonably believed to be in or not opposed to the best interests of the
Company, and, in the case of a criminal proceeding, had no reasonable cause to
believe that his or her conduct was unlawful. The termination of any such
Proceeding by judgment, order, settlement, conviction, or upon a plea of nolo
contendere or its equivalent, shall not, of itself, create a presumption that
Indemnitee did not act in good faith in a manner which he or she reasonably
believed to be in or not opposed to the best interests of the Company, and, with
respect to any criminal proceeding, that Indemnitee had reasonable cause to
believe that his or her conduct was unlawful.

     4. Indemnity in Proceedings By or In the Right of the Company. The Company
shall indemnify Indemnitee in accordance with the provisions of this Paragraph,
against all Expenses actually and reasonably incurred by Indemnitee in
connection with the defense or settlement of any Proceeding by or in the right
of the Company to procure a judgment in its favor, but only if Indemnitee acted
in good faith and in a manner which he or she reasonably believed to be in or
not opposed to the best interests of the Company, except that no indemnification
for Expenses shall be made under this Paragraph in respect of any claim, issue,
or matter as to which Indemnitee shall have been adjudged to be liable to the
Company for negligence or misconduct in the performance of his or her duty to
the Company, unless and only to the extent that the court in which such
Proceeding was brought shall determine upon application that, despite the
adjudication of liability but in view of all the circumstances of the case,
Indemnitee is fairly and reasonably entitled to indemnity for such Expenses
which such court shall deem proper.

     5. Indemnification of Expenses of Successful Party. Notwithstanding any
other provision of this Agreement, to the extent that Indemnitee has been
successful on the merits or otherwise, in defense of any Proceeding, or in
defense of any claim, issue, or matter therein, Indemnitee shall be indemnified
against all Expenses actually and reasonably incurred by Indemnitee in
connection therewith.

     6. Advances of Expenses. At the written request of Indemnitee, the Expenses
incurred by Indemnitee in any Proceeding shall be paid by the Company in advance
of the final disposition of such Proceeding, provided, that Indemnitee shall
undertake in writing to repay such amount to the extent that it is ultimately
determined that Indemnitee is not entitled to

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indemnification. If the Company makes an advance of expenses pursuant to this
Paragraph 6, the Company shall be subrogated to every right of recovery
Indemnitee may have against any insurance carrier from whom the Company has
purchased insurance for such purpose.

     7. Right of Indemnitee to Indemnification Upon Application; Procedure Upon
Application.

          (a) Any indemnification under Paragraphs 3 and 4 or advance under
Paragraph 6 shall be paid by the Company no later than 45 days after receipt of
the written request of Indemnitee, unless a determination is made within said
45-day period by (i) the Board of Directors by a majority vote of a quorum
consisting of directors who were not parties to the Proceeding in respect of
which indemnification is being sought, or (2) independent legal counsel in a
written opinion (which counsel shall be appointed by a quorum of the Board of
Directors), or (3) the stockholders of the Company, that Indemnitee has not met
the relevant standards for indemnification set forth in Paragraphs 3 and 4.

          (b) The right to indemnification or advancement of Expenses as
provided by this Agreement shall be enforceable by Indemnitee in any court of
competent jurisdiction. The burden of proving that indemnification or advances
are not appropriate shall be on the Company. Neither the failure of the Company
(including its Board of Directors or independent legal counsel or stockholders)
to have made a determination prior to the commencement of such action that
Indemnitee has met the applicable standard of conduct nor an actual
determination by the Company (including its Board of Directors or independent
legal counsel or stockholders) that Indemnitee has not met such standard shall
be a defense to the action or create a presumption that Indemnitee has not met
the applicable standard of conduct. Indemnitee's Expenses actually and
reasonably incurred in connection with successfully establishing his or her
right to indemnification or advances, in whole or in part, shall also be
indemnified by the Company.

          (c) With respect to any Proceeding for which indemnification is
requested, the Company will be entitled to participate therein at its own
expense and, except as otherwise provided below, the Company may assume the
defense thereof, with counsel satisfactory to Indemnitee. After notice from the
Company to Indemnitee of its election to assume the defense of a Proceeding, the
Company will not be liable to Indemnitee under this Agreement for any Expenses
subsequently incurred by Indemnitee in connection with the defense thereof,
other than as provided below. The Company shall not settle any Proceeding in any
manner which would impose any penalty or limitation on Indemnitee without
Indemnitee's written consent. Indemnitee shall have the right to employ counsel
in any Proceeding but the fees and expenses of such counsel incurred after
notice from the Company of its assumption of the defense of the Proceeding shall
be at the expense of Indemnitee, unless (i) the employment of counsel by
Indemnitee has been authorized by the Company, (ii) Indemnitee shall have
reasonably concluded that there may be a conflict of interest between the
Company and Indemnitee in the conduct of the defense of a Proceeding, or (iii)
the Company shall not in fact have employed counsel to assume the defense of a
Proceeding, in each of which cases the fees and expenses of Indemnitee's counsel
shall be advanced by the Company. Notwithstanding the foregoing, the Company
shall not be entitled to assume the defense of any Proceeding brought by or in
the right of the Company.

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     8. Limitation on Indemnification. No payment pursuant to this Agreement
shall be made by the Company:

          (a) to indemnify or advance funds to Indemnitee for Expenses with
respect to Proceedings initiated or brought voluntarily by Indemnitee and not by
way of defense, except with respect to Proceedings brought to establish or
enforce a right to indemnification under this Agreement, but such
indemnification or advancement of Expenses may be provided by the Company in
specific cases if the Board of Directors finds it to be appropriate;

          (b) to indemnify Indemnitee for any Expenses, judgments, fines, or
penalties sustained in any Proceeding for which payment is actually made to
Indemnitee under a valid and collectible insurance policy, except in respect of
any excess beyond the amount of payment under such insurance;

          (c) to indemnify Indemnitee for any Expenses, judgments, fines or
penalties sustained in any Proceeding for an accounting of profits made from the
purchase or sale by Indemnitee of securities of the Company pursuant to the
provisions of Section 16(b) of the Securities Exchange Act 1934, the rules and
regulations promulgated thereunder and amendments thereto or similar provisions
of any federal, state, or local statutory law;

          (d) to indemnify Indemnitee for any Expenses, judgments, fines or
penalties resulting from Indemnitee's conduct which is finally adjudged to have
been willful misconduct, knowingly fraudulent, or deliberately dishonest; or

          (e) if a court of competent jurisdiction finally determines that such
payment hereunder is unlawful.

     9. Indemnification Hereunder Not Exclusive. The indemnification and
advancement of Expenses provided by this Agreement shall not be deemed exclusive
of any other rights to which Indemnitee may be entitled under the Articles of
Incorporation or the Bylaws of the Company, any agreement, any vote of
stockholders or disinterested Directors, the Revised Business Corporation Act of
the State of Washington, or otherwise, both as to action in his official
capacity and as to action in another capacity while holding such office. The
indemnification provided by this Agreement shall continue as to Indemnitee even
though he or she may have ceased to be a Director and shall inure to the benefit
of the heirs and personal representatives of Indemnitee.

     10. Partial Indemnification. If Indemnitee is entitled under any provision
of this Agreement to indemnification by the Company for a portion of the
Expenses, judgments, fines, or penalties actually and reasonably incurred by him
or her in any Proceeding but not, however, for the total amount thereof, the
Company shall nevertheless indemnify Indemnitee for the portion of such
Expenses, judgments, fines, or penalties to which Indemnitee is entitled.

     11. Maintenance of Liability Insurance.

          (a) The Company hereby covenants and agrees that, as long as
Indemnitee continues to serve as a Director of the Company and thereafter as
long as Indemnitee may be subject to any Proceeding, the Company, subject to
subsection (c) below, shall maintain in full

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force and effect Directors' and Officers' liability insurance ("D&O Insurance")
in reasonable amounts from established and reputable insurers.

          (b) In all D&O Insurance policies, Indemnitee shall be named as an
insured in such a manner as to provide the Indemnitee the same rights and
benefits as are accorded to the most favorably insured of the Company's
Directors and Officers:

          (c) Notwithstanding the foregoing, the Company shall have no
obligation to obtain or maintain D&O Insurance if the Company determines in good
faith that such insurance is not reasonably available, the premium costs for
such insurance are disproportionate to the amount of coverage provided, the
coverage provided by such insurance is so limited by exclusions that it provides
an insufficient benefit, or Indemnitee is covered by similar insurance
maintained by a subsidiary of the Company.

     12. Savings Clause. If this Agreement or any portion hereof is invalidated
on any ground by any court of competent jurisdiction, the Company shall
nevertheless indemnify Indemnitee to the extent permitted by any applicable
portion of this Agreement that has not been invalidated or by any other
applicable law.

     13. Notice. Indemnitee shall, as a condition precedent to his or her right
to be indemnified under this Agreement, give to the Company notice in writing as
soon as practicable of any Proceeding for which indemnity will or could be
sought under this Agreement. Notice to the Company shall be directed to WSB
Financial Group, Inc., 607 Pacific Avenue, Bremerton, Washington 98337,
Attention: Corporate Secretary (or such other address as the Company shall
designate in writing to Indemnitee). In addition, Indemnitee shall give the
Company such information and cooperation as it may reasonably require and as
shall be within Indemnitee's power.

     14. Counterparts. This Agreement may be executed in any number of
counterparts, all of which shall be deemed to constitute one and the same
instrument.

     15. Applicable Law. This Agreement shall be governed by, and construed and
interpreted in accordance with, the law of the State of Washington.

     16. Successors and Assigns. This Agreement shall be binding upon the
Company and its successors and assigns, ,

     17. Amendments. No amendment, waiver, modification, termination, or
cancellation of this Agreement shall be effective unless in writing signed by
both parties hereto. The indemnification rights afforded to Indemnitee hereby
are contract rights and may not be diminished, eliminated, or otherwise affected
by amendments to the Certificate of Incorporation or Bylaws of the Company or by
other agreements.

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     IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
duly executed and signed as of the day and year first above written.

                                        COMPANY:

Attest:                                 WSB FINANCIAL GROUP, INC.

                                        By:
-------------------------------------       ------------------------------------
Secretary                               Name:
                                              ----------------------------------
                                        Title:
                                               ---------------------------------

                                        INDEMNITEE:

                                        ----------------------------------------

                                        By:
                                            ------------------------------------
                                        Name:
                                              ----------------------------------
                                        Title:
                                               ---------------------------------

                                        6<PAGE>

                                                                   Exhibit 10.18

                            WSB FINANCIAL GROUP, INC.

                             AUDIT COMMITTEE CHARTER

1.   ROLE

The Audit Committee of the Board of Directors assists the Board of Directors in
fulfilling its responsibility for oversight of the quality and integrity of the
accounting, auditing, and reporting practices of the Company, and such other
duties as directed by the Board. The Committee's purpose is to oversee the
accounting and financial reporting processes of the Company, the audits of the
Company's financial statements, the qualifications of the public accounting firm
engaged as the Company's independent auditor to prepare or issue an audit report
on the financial statements of the Company, and the performance of the Company's
internal audit function and independent auditor. The Committee's role includes
reviewing and assessing the qualitative aspects of financial reporting to
shareholders, the Company's processes to manage business and financial risk, and
compliance with significant applicable legal, ethical, and regulatory
requirements. The Committee is directly responsible for the appointment,
compensation, retention, and oversight of the independent auditor.

2.   MEMBERSHIP

The membership of the Committee consists of at least three directors, all of
whom shall meet the independence requirements established by the Board and
applicable laws, regulations, and listing requirements. Each member shall in the
judgment of the Board have the ability to read and understand fundamental
financial statements. At least one member of the Committee shall in the judgment
of the Board be an "audit committee financial expert" as defined by the rules
and regulations of the Securities and Exchange Commission, and at least one
member (who may also serve as the audit committee financial expert) shall in the
judgment of the Board meet the financial sophistication standard as defined by
the requirements of Nasdaq. The Board appoints the members of the Committee and
the chairman. The Board may remove any member from the Committee at any time
with or without cause.

Generally, no member of the Committee may serve on more than three audit
committees of publicly traded companies (including the Audit Committee of the
Company) at the same time. For this purpose, service on the audit committees of
a parent and its substantially owned subsidiaries counts as service on a single
audit committee.

3.   OPERATIONS

The Committee meets at least six times a year. Additional meetings may occur as
the Committee or its chair deems advisable. The Committee will cause to be kept
adequate minutes of all its proceedings and will report on its actions and
activities at the next quarterly meeting of the Board. Committee members will be
furnished with copies of the minutes of each meeting and any action taken by
unanimous consent. The Committee is governed by the same rules regarding
meetings (including meetings by conference telephone or similar communications
equipment), action without meetings, notice, waiver of notice, and quorum and
voting requirements as are

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applicable to the Board. The Committee is authorized and empowered to adopt its
own rules of procedure not inconsistent with (a) any provision of this Charter,
(b) any provision of the Bylaws of the Company, or (c) the laws of the state of
Washington.

4.   COMMUNICATIONS

The independent auditor reports directly to the Committee. The Committee is
expected to maintain free and open communication with the independent auditor,
the internal auditors, and management. This communication will include periodic
private executive sessions with each of these parties.

5.   EDUCATION

The Company is responsible for providing new members with appropriate
orientation briefings and educational opportunities, and the full Committee with
educational resources related to accounting principles and procedures, current
accounting topics pertinent to the Company, and other material as may be
requested by the Committee. The Company will assist the Committee in maintaining
appropriate financial literacy.

6.   AUTHORITY

The Committee will have the resources and authority necessary to discharge its
duties and responsibilities. The Committee has sole authority to retain and
terminate outside counsel or other experts or consultants, as it deems
appropriate, including sole authority to approve the firms' fees and other
retention terms. The Committee will be provided with appropriate funding by the
Company, as the Committee determines, for the payment of compensation to the
Company's independent auditor, outside counsel, and other advisors as it deems
appropriate, and ordinary administrative expenses of the Committee that are
necessary or appropriate in carrying out its duties. In discharging its
oversight role, the Committee is empowered to investigate any matter brought to
its attention. Any communications between the Committee and legal counsel in the
course of obtaining legal advice will be considered privileged communications of
the Company, and the Committee will take all necessary steps to preserve the
privileged nature of those communications.

The Committee may form and delegate authority to subcommittees and may delegate
authority to one or more designated members of the Committee.

7.   RESPONSIBILITIES

The Committee's specific responsibilities in carrying out its oversight role are
delineated below. The responsibilities will be updated annually to reflect
changes in regulatory requirements, authoritative guidance, and evolving
oversight practices. As the compendium of Committee responsibilities, the most
recently updated list of responsibilities will be considered to be an addendum
to this Charter.

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The Committee relies on the expertise and knowledge of management, the internal
auditors, and the independent auditor in carrying out its oversight
responsibilities. Management of the Company is responsible for determining the
Company's financial statements are complete, accurate, and in accordance with
generally accepted accounting principles and for establishing satisfactory
internal control over financial reporting. The independent auditor is
responsible for auditing the Company's financial statements and the
effectiveness of the Company's internal control over financial reporting. It is
not the duty of the Committee to plan or conduct audits, to determine that the
financial statements are complete and accurate and in accordance with generally
accepted accounting principles, to conduct investigations, or to assure
compliance with laws and regulations or the Company's standards of business
conduct, codes of ethics, internal policies, procedures, and controls.

          LIST OF RESPONSIBILITIES:

     -    The agenda for Committee meetings will be prepared in consultation
          between the Committee chair (with input from the Committee members),
          management, and the independent auditor.

     -    Review and update the Audit Committee Charter and List of
          Responsibilities annually.

     -    Complete an annual evaluation of the Committee's performance.

     -    Provide a report in the annual proxy that includes the Committee's
          review and discussion of matters with management and the independent
          auditor.

     -    Include a copy of the Committee charter as an appendix to the proxy
          statement at least once every three (3) years.

     -    Appoint or replace the independent auditor and approve the terms on
          which the independent auditor is engaged for the ensuing fiscal year.

     -    At least annually, evaluate the independent auditor's qualifications,
          performance, and independence, including that of the lead partner. The
          evaluation will include obtaining a written report from the
          independent auditor describing the firm's internal quality control
          procedures; any material issues raised by the most recent internal
          quality control review, or PCAOB review, of the firm or by any inquiry
          or investigation by governmental or professional authorities within
          the past five (5) years, concerning an independent audit or audits
          carried out by the firm, and any steps taken to deal with those
          issues; and all relationships between the independent auditor and the
          Company.

     -    Resolve any disagreements between management and the independent
          auditor about financial reporting.

     -    Establish and oversee a policy designating permissible services that
          the independent auditor may perform for the Company, providing for
          preapproval of those services by the Committee subject to the de
          minimis exceptions permitted under applicable rules, and

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          quarterly review of any services approved by the designated auditor
          under the policy and the firm's non-audit services and related fees.

     -    Review the responsibilities, functions, and performance of the
          Company's internal audit department.

     -    Ensure receipt from the independent auditor of a formal written
          statement delineating all relationships between the auditor and the
          Company, consistent with Independence Standards Board Standard No. 1,
          and actively engage in a dialogue with the auditor about any disclosed
          relationships or services that may impact the objectivity and
          independence of the auditor, and take appropriate action to oversee
          the independence of the independent auditor.

     -    Advise the Board about the Committee's determination whether the
          Committee consists of three or more members who are financially
          literate, including at least one member who has financial
          sophistication and is a financial expert.

     -    Inquire of management and the independent auditor about:

          a. Significant risks or exposures. Review the Company's policies for
risk assessment and risk management, and assess the steps management has taken
to control such risk to the Company.

          b.   The Company's business continuity and disaster recovery planning.

     -    Review with management and the independent auditor, the audit scope
          and plan, and coordination of audit efforts to ensure completeness of
          coverage, reduction of redundant efforts, the effective use of audit
          resources, and the use of independent public accountants other than
          the appointed auditors of the Company.

     -    Consider and review with management and the independent auditor:

          a. The Company's annual assessment of the effectiveness of its
internal controls and the independent auditor's attestation and report about the
Company's assessment.

          b. The adequacy of the Company's internal controls, including
computerized information system controls and security.

          c. Any related significant findings and recommendations of the
independent auditor and internal audit together with management's responses.

     -    Review with management any significant changes to GAAP policies or
          standards.

     -    Review with management and the independent auditor at the completion
          of the annual audit:

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          a. The Company's annual financial statements and related footnotes.

          b. The independent auditor's audit of the financial statements and its
report thereon.

          c. Any significant changes required in the independent auditor's audit
plan.

          d. Any serious difficulties or disputes with management encountered
during the course of the audit, and management's response.

\          e. Other matters related to the conduct of the audit, which are to be
communicated to the Committee under generally accepted auditing standards.

     -    Review with management and the independent auditor at least annually
          the Company's critical accounting policies.

     -    Consider and review with management:

          a. Significant findings by the independent auditor during the year and
management's responses.

          b. Any difficulties encountered in the course of their audit work,
including any restrictions on the scope of their work or access to required
information.

          c. Any changes required in the planned scope of their audit plan.

     -    Participate in a telephonic meeting among management and the
          independent auditor before each earnings release to discuss the
          earnings release, financial information, and any earnings guidance.

     -    Review and discuss with management and the independent auditor the
          Company's quarterly financial statements.

     -    Review the periodic reports of the Company with management and the
          independent auditor prior to filing of the reports with the SEC,
          including the disclosures under "Management's Discussion and Analysis
          of Financial Condition and Results of Operations."

     -    In connection with each periodic report of the Company, review:

          a. Management's disclosure to the Committee and the independent
auditor under Section 302 of the Sarbanes-Oxley Act, including identified
changes in internal control over financial reporting.

          b. The contents of the Chief Executive Officer and the Chief Financial
Officer certificates to be filed under Sections 302 and 906 of the
Sarbanes-Oxley Act.

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     -    Monitor the appropriate standards adopted as a code of conduct for the
          Company.

     -    Review with the designated "Compliance Officer" legal and regulatory
          matters that may have a material impact on the financial statements,
          related Company compliance policies and programs, and reports received
          from regulators.

     -    Develop, review, and oversee procedures for (i) the receipt,
          retention, and treatment of complaints received by the Company
          regarding accounting, internal accounting controls, and auditing
          matters and (ii) the confidential, anonymous submission of employee
          concerns regarding accounting or auditing matters.

     -    Meet with the independent auditor in executive session to discuss any
          matters the Committee or the independent auditor believes should be
          discussed privately with the Audit Committee.

     -    Meet with management in executive sessions to discuss any matters the
          Committee or management believes should be discussed privately with
          the Audit Committee.

     -    Set clear hiring policies for the Company's hiring of employees or
          former employees of the independent auditor who were engaged in the
          Company's account, and ensure the policies comply with any regulations
          applicable to the Company.

     -    Review and approve all related party transactions described in Item
          404 of the SEC Regulation S-K, including:

          -    Transactions to which the Company or a subsidiary will be a party
               that involve over $60,000 and in which any director or nominee,
               executive officer, 5% or more shareholder, or any family member
               of the foregoing has or will have a direct or indirect material
               interest;

          -    Specified business relationships between the Company and a
               director or nominee that have existed within the past fiscal
               year; and

          -    Indebtedness to the Company or a subsidiary exceeding $60,000 by
               a director, nominee or any family member, related entities, or
               specified estates of those persons.

It is WSB Financial Group's intention that this Audit Committee Charter be its
Audit Committee Charter complying with the standards set forth by Securities and
Exchange Commission and Nasdaq.

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