Document:

EXHIBIT 10.1

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                              EMPLOYMENT AGREEMENT

         THIS  AGREEMENT,  is  entered  into this the 1st day of  January  2000,
("Effective  Date") by and between  FloridaFirst  Bank (the "Savings  Bank") and
_________________ (the "Executive").

                                   WITNESSETH

         WHEREAS, the Executive has heretofore been employed by the Savings Bank
as the _________ and is experienced in all phases of the business of the Savings
Bank; and

         WHEREAS,  the  Savings  Bank  desires to be ensured of the  Executive's
continued active participation in the business of the Savings Bank; and

         WHEREAS,  in order to induce the  Executive  to remain in the employ of
the Savings Bank and in consideration  of the Executive's  agreeing to remain in
the employ of the Savings  Bank,  the parties  desire to specify the  continuing
employment relationship between the Savings Bank and the Executive;

         NOW  THEREFORE,  in  consideration  of  the  premises  and  the  mutual
agreements herein contained, the parties hereby agree as follows:

         1.  Employment.  The Savings Bank hereby  employs the  Executive in the
             ----------
capacity of _________.  The Executive  hereby accepts said employment and agrees
to render such administrative and management services to the Savings Bank and to
any to-be-formed parent holding company ("Parent") as are currently rendered and
as  are  customarily  performed  by  persons  situated  in a  similar  executive
capacity.  The  Executive  shall  promote the  business of the Savings  Bank and
Parent. The Executive's other duties shall be such as the Board of Directors for
the Savings  Bank (the "Board of  Directors"  or "Board")  may from time to time
reasonably direct, including normal duties as an officer of the Savings Bank.

         2. Term of Employment.  The term of employment of Executive  under this
            ------------------
Agreement  shall be for the period  commencing on the Effective  Date and ending
_______ (___) months  thereafter  ("Term").  Additionally,  on, or before,  each
annual  anniversary  date from the Effective Date, the Term of employment  under
this Agreement  shall be extended for up to an additional one year period beyond
the then effective  expiration date upon a  determination  and resolution of the
Board  of  Directors  that  the   performance  of  the  Executive  has  met  the
requirements  and  standards of the Board,  and that the Term of such  Agreement
shall be extended.  References  herein to the Term of this Agreement shall refer
both to the initial term and successive terms.

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         3.    Compensation, Benefits and Expenses.
               -----------------------------------

               (a) Base Salary.  The Savings Bank shall  compensate  and pay the
Executive during the Term of this Agreement a minimum base salary at the rate of
$_________________  per  annum  ("Base  Salary"),   payable  in  cash  not  less
frequently  than  monthly;  provided,  that  the  rate of such  salary  shall be
reviewed  by the  Board of  Directors  not less  often  than  annually,  and the
Executive shall be entitled to receive  increases at such percentages or in such
amounts as  determined  by the Board of  Directors.  The base  salary may not be
decreased without the Executive's express written consent.

               (b)  Discretionary  Bonus.  The  Executive  shall be  entitled to
participate in an equitable manner with all other senior management employees of
the Savings Bank in discretionary bonuses that may be authorized and declared by
the Board of Directors to its senior management executives from time to time. No
other  compensation  provided for in this Agreement shall be deemed a substitute
for the Executive's right to participate in such discretionary  bonuses when and
as declared by the Board.

               (c)  Participation in Benefit and Retirement Plans. The Executive
shall be entitled to  participate in and receive the benefits of any plan of the
Savings Bank which may be or may become applicable to senior management relating
to pension or other retirement benefit plans,  profit-sharing,  stock options or
incentive plans, or other plans,  benefits and privileges given to employees and
executives of the Savings Bank, to the extent  commensurate with his then duties
and responsibilities, as fixed by the Board of Directors of the Savings Bank.

               (d)  Participation in Medical Plans and Insurance  Policies.  The
Executive  shall be entitled to  participate  in and receive the benefits of any
plan or policy of the  Savings  Bank  which may be or may become  applicable  to
senior  management  relating to life insurance,  short and long term disability,
medical,  dental,  eye-care,  prescription drugs or medical reimbursement plans.
Additionally,  Executive's  dependent family shall be eligible to participate in
medical and dental  insurance plans sponsored by the Savings Bank or Parent with
the cost of such premiums paid by the Savings Bank.

               (e) Vacations and Sick Leave.  The Executive shall be entitled to
paid annual vacation leave in accordance  with the policies as established  from
time to time by the  Board of  Directors,  which  shall in no event be less than
four weeks per annum.  The  Executive  shall also be  entitled to an annual sick
leave benefit as established by the Board for senior management employees of the
Savings  Bank.  The  Executive  shall not be entitled to receive any  additional
compensation from the Savings Bank for failure to take a vacation or sick leave,
nor shall he be able to accumulate  unused  vacation or sick leave from one year
to the next, except to the extent authorized by the Board of Directors.

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               (f) Expenses.  The Savings Bank shall  reimburse the Executive or
otherwise  provide  for or pay  for  all  reasonable  expenses  incurred  by the
Executive in furtherance  of, or in connection  with the business of the Savings
Bank,  including,  but  not by  way  of  limitation,  automobile  and  traveling
expenses, and all reasonable entertainment expenses,  subject to such reasonable
documentation  and  other  limitations  as may be  established  by the  Board of
Directors of the Savings Bank.  If such expenses are paid in the first  instance
by the Executive, the Savings Bank shall reimburse the Executive therefor.

               (g)  Changes in  Benefits.  The  Savings  Bank shall not make any
changes in such plans,  benefits or privileges  previously  described in Section
3(c),  (d) and (e)  which  would  adversely  affect  the  Executive's  rights or
benefits thereunder,  unless such change occurs pursuant to a program applicable
to all  executive  officers  of the  Savings  Bank  and  does  not  result  in a
proportionately  greater  adverse  change in the rights of, or benefits  to, the
Executive  as compared  with any other  executive  officer of the Savings  Bank.
Nothing paid to Executive  under any plan or arrangement  presently in effect or
made available in the future shall be deemed to be in lieu of the salary payable
to Executive pursuant to Section 3(a) hereof.

         4.    Loyalty; Noncompetition.
               -----------------------

               (a) The Executive shall devote his full time and attention to the
performance  of his  employment  under  this  Agreement.  During the term of the
Executive's  employment under this Agreement,  the Executive shall not engage in
any business or activity  contrary to the  business  affairs or interests of the
Savings Bank or Parent.

               (b)  Nothing  contained  in this  Section  4 shall be  deemed  to
prevent or limit the right of Executive to invest in the capital  stock or other
securities of any business  dissimilar  from that of the Savings Bank or Parent,
or, solely as a passive or minority investor, in any business.

         5. Standards.  During the term of this  Agreement,  the Executive shall
            ---------
perform his duties in  accordance  with such  reasonable  standards  expected of
executives with comparable  positions in comparable  organizations and as may be
established from time to time by the Board of Directors.

         6.  Termination and Termination Pay. The Executive's  employment  under
               -------------------------------
 this Agreement shall be terminated upon any of the following occurrences:

               (a) The death of the Executive during the term of this Agreement,
in  which  event  the  Executive's  estate  shall be  entitled  to  receive  the
compensation  due the  Executive  through the last day of the calendar  month in
which Executive's death shall have occurred.

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               (b)  The  Board  of  Directors  may  terminate  the   Executive's
employment at any time, but any termination by the Board of Directors other than
termination  for Just  Cause,  shall  not  prejudice  the  Executive's  right to
compensation or other benefits under the Agreement.  The Executive shall have no
right to receive compensation or other benefits for any period after termination
for Just Cause. The Board may within its sole discretion,  acting in good faith,
terminate  the  Executive  for  Just  Cause  and  shall  notify  such  Executive
accordingly.  Termination for "Just Cause" shall include  termination because of
the Executive's personal dishonesty, incompetence, willful misconduct, breach of
fiduciary duty involving personal profit,  intentional failure to perform stated
duties,  willful  violation of any law, rule or  regulation  (other than traffic
violations or similar  offenses) or final  cease-and-desist  order,  or material
breach of any provision of the Agreement.

               (c) Except as provided pursuant to Section 9 hereof, in the event
Executive's  employment  under  this  Agreement  is  terminated  by the Board of
Directors without Just Cause, the Savings Bank shall be obligated to continue to
pay the Executive the salary provided pursuant to Section 3(a) herein, up to the
date of termination of the remaining Term of this Agreement, but in no event for
a period of less than twelve  months,  and the cost of Executive  obtaining  all
health,  life,  disability,  and other  benefits  which the  Executive  would be
eligible  to  participate  in through  such date based upon the  benefit  levels
substantially equal to those being provided Executive at the date of termination
of employment.

               (d) The voluntary termination by the Executive during the term of
this  Agreement  with the delivery of no less than 60 days written notice to the
Board of  Directors,  other than  pursuant  to Section  9(b),  in which case the
Executive shall be entitled to receive only the compensation, vested rights, and
all employee benefits up to the date of such termination.

         7.    Regulatory Exclusions.
               ---------------------

         (a) If the Executive is suspended  and/or  temporarily  prohibited from
participating  in the conduct of the Savings  Bank's  affairs by a notice served
under Section  8(e)(3) or (g)(1) of the FDIA (12 U.S.C.  1818(e)(3) and (g)(1)),
the Savings Bank's  obligations under the Agreement shall be suspended as of the
date of service, unless stayed by appropriate proceedings. If the charges in the
notice are  dismissed,  the Savings Bank may within its  discretion  (i) pay the
Executive  all  or  part  of  the  compensation   withheld  while  its  contract
obligations were suspended and (ii) reinstate any of its obligations  which were
suspended.

         (b) If the  Executive is removed  and/or  permanently  prohibited  from
participating  in the conduct of the Savings  Bank's  affairs by an order issued
under Sections 8(e)(4) or 8(g)(1) of the Federal Deposit  Insurance Act ("FDIA")
(12 U.S.C.  1818(e)(4)  and (g)(1)),  all  obligations of the Savings Bank under
this Agreement shall  terminate,  as of the effective date of the order, but the
vested rights of the parties shall not be affected.

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         (c) If the Savings Bank is in default (as defined in Section 3(x)(1) of
FDIA) all  obligations  under this Agreement  shall  terminate as of the date of
default,  but  this  paragraph  shall  not  affect  any  vested  rights  of  the
contracting parties.

         (d) All obligations under this Agreement shall be terminated, except to
the extent  determined that  continuation of this Agreement is necessary for the
continued  operation of the Savings  Bank:  (i) by the Director of the Office of
Thrift Supervision ("Director of OTS"), or his or her designee, at the time that
the Federal Deposit Insurance  Corporation  ("FDIC") enters into an agreement to
provide  assistance  to or on behalf of the  Savings  Bank  under the  authority
contained in Section  13(c) of FDIA;  or (ii) by the Director of the OTS, or his
or her  designee,  at the time  that  the  Director  of the  OTS,  or his or her
designee approves a supervisory  merger to resolve problems related to operation
of the Savings  Bank or when the Savings Bank is  determined  by the Director of
the OTS to be in an unsafe or unsound condition.  Any rights of the parties that
have already vested, however, shall not be affected by such action.

         (e) Notwithstanding  anything herein to the contrary, any payments made
to the Executive  pursuant to the Agreement,  or otherwise,  shall be subject to
and  conditioned  upon  compliance  with 12 USC ss.1828(k)  and any  regulations
promulgated thereunder.

         8. Disability.  If the Executive shall become disabled or incapacitated
            ----------
to the extent  that he is unable to perform his duties  hereunder,  by reason of
medically determinable physical or mental impairment,  as determined by a doctor
engaged by the Board of  Directors,  Executive  shall  nevertheless  continue to
receive the compensation and benefits provided under the terms of this Agreement
as follows:  100% of such  compensation  and benefits for a period of 12 months,
but not exceeding the remaining  term of the  Agreement,  and 65% thereafter for
the remainder of the term of the Agreement.  Such benefits noted herein shall be
reduced by any benefits  otherwise  provided to the Executive during such period
under the provisions of disability insurance coverage in effect for Savings Bank
employees  or  benefit  payments  under  any  government   sponsored   programs.
Thereafter,  Executive  shall be  eligible to receive  benefits  provided by the
Savings Bank under the provisions of disability insurance coverage in effect for
Savings Bank  employees.  Upon  returning to active  full-time  employment,  the
Executive's full compensation as set forth in this Agreement shall be reinstated
as of the  date of  commencement  of such  activities.  In the  event  that  the
Executive returns to active employment on other than a full-time basis, then his
compensation  (as set forth in Section 3(a) of this Agreement)  shall be reduced
in proportion  to the time spent in said  employment,  or as shall  otherwise be
agreed to by the parties.

         9.  Change in Control.
             -----------------

               (a) Notwithstanding any provision herein to the contrary,  in the
event of the involuntary  termination of Executive's  employment during the term
of this Agreement following any Change in Control of the Savings Bank or Parent,
or within 24 months  thereafter  of such Change in  Control,  absent Just Cause,
Executive  shall be paid an  amount  equal to the  product  of 2.999  times  the
Executive's "base amount" as defined in Section 280G(b)(3) of the Internal

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Revenue  Code of 1986,  as amended  (the  "Code")  and  regulations  promulgated
thereunder.  Said sum shall be paid, at the option of  Executive,  either in one
(1) lump sum  within  thirty  (30) days of such  termination  of  service  or in
periodic  payments  over  the  next  36  months  or the  remaining  term of this
Agreement,  whichever  is  less,  as if  Executive's  employment  had  not  been
terminated,  and such  payments  shall be in lieu of any other  future  payments
which the  Executive  would be otherwise  entitled to receive under Section 6 of
this Agreement.  Notwithstanding the forgoing,  all sums payable hereunder shall
be  reduced  in such  manner and to such  extent so that no such  payments  made
hereunder when aggregated with all other payments to be made to the Executive by
the Savings Bank or the Parent shall be deemed an "excess parachute  payment" in
accordance  with  Section  280G of the Code and be  subject  to the  excise  tax
provided at Section  4999(a) of the Code.  The term  "Change in  Control"  shall
refer to (i) the control of voting proxies  whether  related to  stockholders or
mutual  members by any person,  other than the Board of Directors of the Savings
Bank, to direct more than 25% of the outstanding  votes of the Savings Bank, the
control of the election of a majority of the Savings  Bank's  directors,  or the
exercise  of a  controlling  influence  over the  management  or policies of the
Savings Bank by any person or by persons acting as a group within the meaning of
Section  13(d) of the Exchange  Act,  (ii) an event whereby the OTS, FDIC or any
other  department,  agency or  quasi-agency of the federal  government  cause or
bring about,  without the consent of the Savings Bank, a change in the corporate
structure or organization  of the Savings Bank;  (iii) an event whereby the OTS,
FDIC or any other  agency or  quasi-agency  of the federal  government  cause or
bring about,  without the consent of the Savings Bank, a taxation or involuntary
distribution  of retained  earnings or proceeds  from the sale of  securities to
depositors,  borrowers,  any  government  agency  or  organization  or  civic or
charitable organization;  or (iv) a merger or other business combination between
the Savings Bank and another  corporate  entity  whereby the Savings Bank is not
the  surviving  entity.  In the event that the Savings Bank shall convert in the
future from mutual-to-stock  form, the term "Change in Control" shall also refer
to: (i) the sale of all,  or a material  portion,  of the assets of the  Savings
Bank or the Parent;  (ii) the merger or  recapitalization of the Savings Bank or
the Parent  whereby the Savings Bank or the Parent is not the surviving  entity;
(iii) a change in  control  of the  Savings  Bank or the  Parent,  as  otherwise
defined  or  determined  by the  Office of  Thrift  Supervision  or  regulations
promulgated  by it; or (iv) the  acquisition,  directly  or  indirectly,  of the
beneficial  ownership  (within the meaning of that term as it is used in Section
13(d) of the  Securities  Exchange  Act of 1934 and the  rules  and  regulations
promulgated  thereunder) of twenty-five percent (25%) or more of the outstanding
voting securities of the Savings Bank or the Parent by any person, trust, entity
or group. The term "person" means an individual  other than the Executive,  or a
corporation,  partnership,  trust, association,  joint venture, pool, syndicate,
sole proprietorship, unincorporated organization or any other form of entity not
specifically listed herein.

               (b)  Notwithstanding any other provision of this Agreement to the
contrary,  Executive may voluntarily terminate his employment during the term of
this Agreement  following a Change in Control of the Savings Bank or Parent,  or
within  twelve months  following  such Change in Control,  and  Executive  shall
thereupon  be entitled to receive the payment  described in Section 9(a) of this
Agreement,  upon the occurrence,  or within 120 days  thereafter,  of any of the
following  events,  which have not been consented to in advance by the Executive
in writing: (i) if Executive

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would be  required  to move his  personal  residence  or perform  his  principal
executive  functions  more than  thirty-five  (35)  miles  from the  Executive's
primary  office  as  of  the  signing  of  this   Agreement;   (ii)  if  in  the
organizational  structure of the Savings  Bank,  Executive  would be required to
report to a person or persons  other than the Board of  Directors of the Savings
Bank;  (iii) if the  Savings  Bank  should  fail to  maintain  Executive's  base
compensation  in effect as of the date of the Change in Control and the existing
employee  benefits plans,  including  material fringe benefit,  stock option and
retirement   plans;   (iv)  if   Executive   would  be   assigned   duties   and
responsibilities  other than those  normally  associated  with his  position  as
referenced  at  Section  1,  herein;  (v)  if  Executive's  responsibilities  or
authority  have in any way been  materially  diminished  or reduced;  or (vi) if
Executive would not be reelected to the Board of Directors of the Savings Bank.

        10.  Withholding.  All payments  required to be made by the Savings Bank
             -----------
hereunder to the Executive  shall be subject to the withholding of such amounts,
if any,  relating to tax and other  payroll  deductions  as the Savings Bank may
reasonably  determine  should be  withheld  pursuant  to any  applicable  law or
regulation.

        11.  Successors and Assigns.
             ----------------------

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

               (b) Since the  Savings  Bank is  contracting  for the  unique and
personal  skills  of the  Executive,  the  Executive  shall  be  precluded  from
assigning or delegating his rights or duties  hereunder  without first obtaining
the written consent of the Savings Bank.

        12. Amendment;  Waiver. No provisions of this Agreement may be modified,
            ------------------
waived or discharged unless such waiver,  modification or discharge is agreed to
in  writing,  signed by the  Executive  and such  officer or  officers as may be
specifically designated by the Board of Directors of the Savings Bank to sign on
its behalf. No waiver by any party hereto at any time of any breach by any other
party  hereto  of, or  compliance  with,  any  condition  or  provision  of this
Agreement  to be  performed  by such  other  party  shall be  deemed a waiver of
similar or  dissimilar  provisions  or conditions at the same or at any prior or
subsequent time.

        13.  Governing  Law.  The  validity,  interpretation,  construction  and
             -------------
performance of this Agreement shall be governed by the laws of the United States
where applicable and otherwise by the substantive laws of the State of Florida.

        14.  Nature of  Obligations.  Nothing  contained  herein shall create or
             ----------------------
require  the  Savings  Bank to  create a trust of any kind to fund any  benefits
which may be payable hereunder,  and to the extent that the Executive acquires a
right to receive  benefits from the Savings Bank hereunder,  such right shall be
no greater than the right of any unsecured general creditor of the Savings Bank.

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        15.  Headings.  The section headings  contained in  this  Agreement  are
             --------
for  reference  purposes  only and shall not  affect in any way the  meaning  or
interpretation of this Agreement.

        16.  Severability.  The  provisions  of this  Agreement  shall be deemed
             ------------
severable  and the  invalidity  or  unenforceability  of any  provision  of this
Agreement  shall  not  affect  the  validity  or  enforceability  of  the  other
provisions of this Agreement, which shall remain in full force and effect.

        17. Arbitration.  Any controversy or claim arising out of or relating to
            -----------
this  Agreement,  or the breach  thereof,  shall be settled  by  arbitration  in
accordance  with the rules then in effect of the district office of the American
Arbitration  Association ("AAA") nearest to the home office of the Savings Bank,
and  judgment  upon the  award  rendered  may be  entered  in any  court  having
jurisdiction thereof,  except to the extent that the parties may otherwise reach
a mutual settlement of such issue. Reasonable expenses incurred by the Executive
shall be reimbursed by the Savings Bank upon a  determination  of the arbitrator
in favor of the Executive with regard to the dispute or upon a determination  by
the arbitrator that such expenses should be reimbursed by the Savings Bank. Such
reimbursement shall be paid within ten (10) days of Executive  furnishing to the
Savings Bank or Parent  evidence,  which may be in the form, among other things,
of a canceled check or receipt, of any costs or expenses incurred by Executive.

        18. Confidential Information. The Executive acknowledges that during his
            ------------------------
or her  employment  he or  she  will  learn  and  have  access  to  confidential
information  regarding  the Savings  Bank and the Parent and its  customers  and
businesses ("Confidential Information").  The Executive agrees and covenants not
to  disclose  or use for his or her own  benefit,  or the  benefit  of any other
person or entity, any such Confidential Information, unless or until the Savings
Bank or the  Parent  consents  to  such  disclosure  or use or such  information
becomes common  knowledge in the industry or is otherwise  legally in the public
domain. The Executive shall not knowingly disclose or reveal to any unauthorized
person any Confidential Information relating to the Savings Bank, the Parent, or
any  subsidiaries or affiliates,  or to any of the businesses  operated by them,
and the  Executive  confirms  that such  information  constitutes  the exclusive
property of the Savings Bank and the Parent.  The Executive  shall not otherwise
knowingly  act or conduct  himself (a) to the material  detriment of the Savings
Bank or the Parent, or its subsidiaries, or affiliates, or (b) in a manner which
is  inimical or contrary  to the  interests  of the Savings  Bank or the Parent.
Executive  acknowledges  and agrees that the existence of this Agreement and its
terms and conditions constitutes  Confidential  Information of the Savings Bank,
and the Executive  agrees not to disclose the Agreement or its contents  without
the prior written  consent of the Savings Bank.  Notwithstanding  the foregoing,
the Savings Bank reserves the right in its sole discretion to make disclosure of
this  Agreement as it deems  necessary or  appropriate  in  compliance  with its
regulatory  reporting  requirements.  Notwithstanding  anything  herein  to  the
contrary, failure by the Executive to comply with the provisions of this Section
may  result  in the  immediate  termination  of the  Agreement  within  the sole
discretion of the Savings Bank,  disciplinary action against the Executive taken
by the Savings Bank,  including but not limited to the termination of employment
of the Executive for breach of the Agreement and the provisions of this Section,
and other remedies that may be available in law or in equity.

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<PAGE>

        19.    Entire Agreement.  This Agreement together with any understanding
               ----------------
or  modifications  thereof  as  agreed  to in  writing  by  the  parties,  shall
constitute the entire agreement between the parties hereto.

                                        9EXHIBIT 10.4

<PAGE>

                                FLORIDAFIRST BANK
                     SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN
                       FOR THE BENEFIT OF SENIOR OFFICERS

         WHEREAS, FloridaFirst Bank ("Bank") wishes to reward the years of prior
service  provided by Senior  Officers  and to continue to retain and to motivate
his performance and dedication to the Bank and its Board of Directors, and

         WHEREAS,  the Bank has  determined  to terminate  its existing  defined
benefit pension plan effective April 15, 1999, and

         WHEREAS,  it is deemed  advisable and in the best interests of the Bank
to offer such  Participant with additional  financial  incentives in the form of
deferred  compensation  to encourage  such continued  employment  service to the
Bank, and to honor prior commitments  regarding  retirement income security that
was  represented  to such  Senior  Officers at the time of  recruitment  of such
personnel, and

         NOW THEREFORE,  BE IT RESOLVED that the Bank's  Supplemental  Executive
Retirement Plan for the Benefit of Senior  Officers  ("Supplemental  Plan"),  be
adopted and implemented effective January 1, 1999, as follows:

                                    ARTICLE I

                                   DEFINITIONS

         The following  words and phrases as used herein shall,  for the purpose
of this Plan and any subsequent  amendment thereof,  have the following meanings
unless a different meaning is plainly required by the content, as follows:

         1.1 "Bank" means FloridaFirst Bank, Lakeland, Florida, or any successor
thereto.      ----

         1.2  "Beneficiary"  shall mean the  Participant's  surviving spouse, if
               -----------
any,  the  Participant's  named  beneficiary  as reflected on the records of the
Bank, or the Participant's estate, in descending order of priority.

         1.3 "Board"  means the Board of Directors of the Bank,  as  constituted
              -----
from time to time and successors thereto.

         1.4  "Change  in  Control"  means : (i) the sale of all,  or a material
               -------------------
portion,  of the assets of the Bank or any parent corporation  ("Parent");  (ii)
the merger or recapitalization of the Bank or the Parent whereby the Bank or the
Parent is not the surviving entity; (iii) a change in control of the Bank or the
Parent, as otherwise  defined or determined by the Office of Thrift  Supervision
or  regulations  promulgated  by  it;  or  (iv)  the  acquisition,  directly  or
indirectly,  of the beneficial

<PAGE>

ownership (within the meaning of that term as it is used in Section 13(d) of the
Securities  Exchange  Act of 1934  and the  rules  and  regulations  promulgated
thereunder)  of  twenty-five  percent  (25%) or more of the  outstanding  voting
securities  of the Bank or Parent by any person,  trust,  entity or group.  This
limitation  shall  not  apply to the  purchase  of  shares  by  underwriters  in
connection with a public offering of the Parent stock, or the purchase of shares
of up to twenty-five percent (25%) of any class of securities of the Parent by a
tax-qualified  employee  stock  benefit  plan.  The term  "person"  refers to an
individual or a corporation,  partnership,  trust,  association,  joint venture,
pool, syndicate, sole proprietorship,  unincorporated  organization or any other
form of entity not specifically  listed herein. The decision of the Committee as
to whether a change in control has  occurred  shall be  conclusive  and binding.
However, a Change in Control shall not be deemed to have occurred as a result of
a holding company  reorganization  of the Bank and  simultaneous  acquisition of
more than 50% of the Bank's  stock  (following  the Bank's  conversion  to stock
form) by a Parent.

         1.5  "Committee"  means the Board or the  administrative  committee  as
               ---------
appointed by the Board pursuant to Section 8.11 herein.

         1.6 "Deferred Compensation Account" shall mean the aggregate accrual of
              -----------------------------
benefits under the Plan for the benefit of the Participant,  including  earnings
credited thereto.

         1.7  "Disability"  (total and permanent  disability)  means a mental or
               ----------
physical  disability  which prevents the Participant  from performing the normal
duties of his or her position with the Bank. Such disability must have prevented
the Participant from performing his or her duties for at least six months, and a
physician  satisfactory  to both the  Participant and the Bank must certify that
the  Participant  is disabled from  performing his or her normal duties with the
Bank.

         1.8 "Early  Retirement  Date" shall mean the first day of the  calendar
              -----------------------
month  following  attainment  of not  less  than  age 55 of the  Participant  or
thereafter whereby the Participant retires as an employee of the Bank, except as
otherwise provided at Section 2.3 herein.

         1.9      "Effective Date" means January 1, 1999.
                   --------------

         1.10 "Participant" means the Senior Officers of the Bank as detailed at
               -----------
Schedule  A to the  Plan.  Such  participation  shall  continue  as long as such
Participant fulfills all requirements for participation  subject to the right of
termination, amendment and modification of the Plan hereinafter set forth.

         1.11 "Plan" means the FloridaFirst Bank Supplemental Executive
               ----
Retirement Plan for the Benefit of Senior Officers,  as herein set forth, as may
be amended from time to time.

         1.12  "Retirement  Date"  means  the first  day of the  calendar  month
                ----------------
following  attainment of age 65 of the  Participant  or  thereafter  whereby the
Participant retires as an employee of the Bank.

                                        2

<PAGE>

         1.13  "Service"  means all years of service as an  employee of the Bank
                -------
and all predecessor and successor entities.

         1.14 "Trust" shall mean any trust  agreement  entered into on behalf of
               -----
the Plan by the Bank for the  purpose of holding  assets of the Bank in order to
promote the efficient administration of the Plan.

                                   ARTICLE II

                         BENEFITS ACCRUALS AND PAYMENTS

         2.1  Retirement.  Upon a Participant's  termination  from service as an
              ----------
employee  of the Bank on or after the  Retirement  Date or the Early  Retirement
Date, the Bank shall pay to the  participant a benefit in an amount  approved by
the Board and set forth herein at Article II,  Section  2.4,  within 30 calendar
days of the Retirement Date or the Early Retirement Date.  Except as provided at
Article II, Section 2.2, 2.3 and 2.5 herein,  upon a  Participant's  termination
from service as an employee of the Bank prior to the Early  Retirement Date, the
Bank shall have no financial obligations to the Participant under the Plan.

         2.2 Disability. In the event of the Disability of the Participant,  the
             ----------
Participant  will be  entitled  to a  benefit  equal  to  100%  of the  Deferred
Compensation Account amount specified at Article II, Section 2.4, payable on the
first day of the month following certification of such Disability without regard
to any other provisions herein to the contrary.

         2.3 Change in  Control.  All  benefits  payable,  or that would  become
             ------------------
payable if the Participant were to retire prior to such Change in Control, shall
remain payable  thereafter.  Upon  termination of service  following a Change in
Control,  all benefits  shall be deemed payable  immediately in accordance  with
Article II, Section 2.4;  provided that if the  Participant is not yet age 55 as
of such date of termination of service,  such Participant shall  nevertheless be
deemed to be not less than age 55 as of the date of such termination following a
Change of Control for purposes of calculation of benefits  payable in accordance
with Section 2.4 herein,  including  adjustments  to the  Deferred  Compensation
Account  necessary to reflect annual  accruals for each year of service  between
the date of such Change in Control and the December 31 of the  calendar  year in
which such Participant would attain age 55.  Notwithstanding  the forgoing,  all
sums  payable  hereunder  shall be reduced in such  manner and to such extent so
that no such payments made hereunder when  aggregated with all other payments to
be made to the  Participant by the Bank or the Parent shall be deemed an "excess
parachute  payment" in accordance with Section 280G of the Internal Revenue Code
of 1986, as amended, and regulations promulgated thereunder ("Code") and subject
the Participant to the excise tax provided at Section 4999(a) of the Code.

         2.4  Benefit  Payments.  The  Participant  shall be eligible to receive
              -----------------
benefit payments under the Plan, as follows:

         a. Upon termination of employment in accordance with Sections 2.1, 2.2,
2.3 and 2.5 of the Plan, the Participant shall be eligible to receive a lump-sum
benefit payment equal to the Deferred  Compensation  Account,  as it is credited
with Bank accruals and earnings thereon,

                                        3

<PAGE>

updated from time to time in  accordance  with Section 2.7 herein,  valued as of
such date of termination of employment.

         b.  Benefits  payable  hereunder  are  exclusive  of any benefits to be
received under other benefit plans of the Bank.

         2.5 Benefit  Payments  Following  Death.  Upon death,  a  Participant's
             -----------------------------------
Deferred Compensation Account shall be immediately payable to the Beneficiary in
the  form of a  lump-  sum  payment  within  thirty  days  of the  death  of the
Participant, in accordance with the provisions of Section 2.4.

         2.6  Notice  of  Retirement.   A  Participant  electing  to  retire  in
              ----------------------
accordance  with the Plan shall deliver  written notice  ("Notice") to the Board
not  less  than  ninety  (90)  days  prior  to the  actual  Retirement  Date.  A
Participant  who  terminates  service  upon  death,  Disability,  or a Change in
Control  shall not be required to deliver such Notice in order to be entitled to
receive benefits under the Plan.

         2.7      Deferred Compensation Account Accruals.
                  --------------------------------------
         a. Not later than  December 31 of each year after the  Effective  Date,
the  Bank  shall  credit  to the  Deferred  Compensation  Account  of each  Plan
Participant an amount equal to the Annual Deferred Compensation Accrual detailed
at Schedule I of the Plan for that calendar year (or pro rata portion  thereof),
plus crediting of an additional  accrual calculated as earnings on such Deferred
Compensation Account.

         b. Notwithstanding  anything herein to the contrary, no Annual Deferred
Compensation  Accrual  credits  shall  be  made  to  a  Participant's   Deferred
Compensation  Account for calendar years commencing after such Participant shall
have attained age 65.

         c. Such rate of accrual  with  respect to  earnings  shall be  computed
based upon the Bank's average cost of funds for such period as determined by the
Board,   but  in  no  event  at  a  rate  less  than  five  percent  per  annum.
Alternatively,  at the written request of the Participant,  the Committee may at
its sole  discretion and with the approval of the Board,  elect to invest assets
of  the  Bank,  not  to  exceed  the  Deferred  Compensation  Account  for  such
Participant,  in other investment vehicles;  in which case, the accrued value of
the  Deferred  Compensation  Account for such  Participant  shall be  determined
thereafter to the extent of such investment in such other investment vehicles as
measured  by the  investment  value  of  such  invested  assets  (including  any
adjustments for dividend income on such investment  assets);  provided  further,
that the Participant shall have no legal claim or right to such invested assets.

                                        4

<PAGE>

         d. Notwithstanding  anything herein to the contrary, to the extent that
the Bank  shall  actually  invest  assets  of the Bank (in  accordance  with the
request  of  a  Participant),   then  upon  the  distribution  of  the  Deferred
Compensation  Account,  the Bank may  elect to  distribute  such  assets  to the
Participant  in-kind at the time of benefits  distribution as settlement of that
portion of the Deferred Compensation Account to be distributed.

                                   ARTICLE III

                         INSURANCE AND OTHER INVESTMENTS

         3.1 Ownership of Insurance and Other Investments. The Bank, in its sole
             --------------------------------------------
discretion,  may elect to purchase  one or more life  insurance  policies on the
lives of  Participants  in order to provide funds to the Bank to pay part or all
of the benefits  accrued under this Plan.  All rights and incidents of ownership
in any life insurance policy that the Bank may purchase insuring the life of the
Participant  (including any right to proceeds payable  thereunder)  shall belong
exclusively to the Bank or its designated  Trust,  and neither the  Participant,
nor any  beneficiary or other person  claiming under or through him or her shall
have any rights,  title or interest  in or to any such  insurance  policy or any
other assets that may be acquired coincident with investments made in accordance
with Section 2.7 of the Plan  ("Investment  Assets").  The Participant shall not
have any power to transfer, assign, hypothecate or otherwise encumber in advance
any of the Investment Assets or the benefits payable  thereunder,  nor shall any
benefits be subject to seizure for the benefit of any debts or judgments,  or be
transferable  by  operation  of law in the event of  bankruptcy,  insolvency  or
otherwise.  Any life  insurance  policy  or other  Investment  Assets  purchased
pursuant hereto and any proceeds payable  thereunder shall remain subject to the
claims of the Bank's general creditors.

         3.2  Physical  Examination.  As a condition  of  becoming or  remaining
              ---------------------
covered under this Plan, the  Participant,  as may be requested by the Bank from
time to time shall take a physical  examination  by a  physician  approved by an
insurance  carrier.  The  cost of the  examination  shall  not be  borne  by the
Participant.  The report of such examination shall be transmitted  directly from
the  physician  to the  insurance  carrier  designated  by the Bank to establish
certain costs  associated  with obtaining  insurance  coverages as may be deemed
necessary under this Plan. Such examination shall remain  confidential among the
Participant,  the  physician  and the  insurance  carrier  and shall not be made
available to the Bank in any form or manner.

         3.3  Death of  Participant.  Upon the  death  of the  Participant,  the
              ---------------------
proceeds derived from any such insurance policy or other Investment  Assets held
by the  Bank or any  related  Trust,  if any,  shall  be paid to the Bank or its
designated Trust.

                                   ARTICLE IV

                            TRUST / NON-FUNDED STATUS

         4.1 Trust. Except as may be specifically provided, nothing contained in
             -----
this Plan and no action  taken  pursuant  to the  provisions  of this Plan shall
create  or  be  construed  to  create  a  trust  of  any  kind,  or a  fiduciary
relationship between the Bank and the Participant or any other person. Any funds
which may be invested  under the  provisions of this Plan shall continue for all
purposes to be a part of the general funds of the Bank. No person other than the
Bank shall by virtue of the  provisions  of this Plan have any  interest in such
funds.  The Bank shall not be under any  obligation  to use such funds solely to
provide  benefits  hereunder,  and  no  representations  have  been  made  to  a
Participant  that  such  funds  can or  will be used  only to  provide  benefits
hereunder.  To the extent that any person  acquires a right to receive  payments
from the Bank under the Plan,  such rights shall be no greater than the right of
any unsecured general creditor of the Bank.

                                        5

<PAGE>

         In order to facilitate the  accumulation of funds necessary to meet the
costs of the Bank under this Plan (including the provision of funds necessary to
pay premiums with respect to any life insurance  policies  purchase  pursuant to
Article III above and to pay  benefits to the extent that the cash value  and/or
proceeds of any such policies are not adequate to make payments to a Participant
or his or her beneficiary as and when the same are due under the Plan), the Bank
may enter into a Trust  Agreement.  The Bank,  in its  discretion,  may elect to
place any life insurance  policies  purchased pursuant to Article III above into
the Trust. In addition, such sums shall be placed in said Trust as may from time
to time be approved by the Board of Directors,  in its sole  discretion.  To the
extent that the assets of said Trust and/or the  proceeds of any life  insurance
policy  purchased  pursuant to Article III are not  sufficient  to pay  benefits
accrued under this Plan,  such payments shall be made from the general assets of
the Bank.

                                    ARTICLE V

                                     VESTING

         5.1 Vesting.  All benefits  under this Plan are deemed  non-vested  and
             -------
forfeitable  prior to the Retirement Date or Early Retirement Date. All benefits
payable  hereunder  shall be  deemed  100%  earned  and  non-forfeitable  by the
Participant  and his or her  Beneficiary  as of the  Retirement  Date  or  Early
Retirement Date.  Notwithstanding the foregoing,  all benefits payable hereunder
shall be deemed 100% earned and  non-forfeitable  by the  Participant and his or
her  Beneficiary  upon the death or the Disability of the  Participant,  or upon
termination of employment following a Change in Control of the Bank. No benefits
shall be deemed  payable  hereunder for any time period prior to  termination of
employment prior to the Retirement Date or Early Retirement Date,  except in the
event of death,  Disability or termination  of employment  following a Change in
Control of the Bank.

                                   ARTICLE VI

                                   TERMINATION

         6.1  Termination.   All  rights  of  the  Participant  hereunder  shall
              -----------
terminate  immediately upon the Participant  ceasing to be in the active service
of the Bank prior to the time that the benefits  payable under the Plan shall be
deemed to be 100% earned and non-forfeitable. A leave of absence approved by the
Board shall not  constitute  a cessation  of service  within the meaning of this
paragraph, within the sole discretion of the Committee.

                                        6

<PAGE>

                                   ARTICLE VII

                      FORFEITURE OR SUSPENSION OF BENEFITS

         7.1  Forfeiture or Suspension  of Benefits.  Notwithstanding  any other
              -------------------------------------
provision of this Plan to the contrary, benefits shall be forfeited or suspended
during any period of paid service with the Bank  following the  commencement  of
benefit payments, within the sole discretion of the Committee.

                                  ARTICLE VIII

                               GENERAL PROVISIONS

         8.1 Other  Benefits.  Nothing in this Plan shall diminish or impair the
             ---------------
Participant's eligibility,  participation or benefit entitlement under any other
benefit,  insurance  or  compensation  plan  or  agreement  of the  Bank  now or
hereinafter in effect.

         8.2 No Effect on Employment.  This Plan shall not be deemed to give any
             -----------------------
Participant or other person in the employ or service of the Bank any right to be
retained in the  employment  or service of the Bank,  or to  interfere  with the
right of the Bank to terminate any  Participant or such other person at any time
and to treat him or her without regard to the effect which such treatment mights
have upon him or her as a Participant in this Plan.

         8.3 Legally Binding. The rights,  privileges,  benefits and obligations
             ---------------
under this Plan are  intended  to be legal  obligations  of the Bank and binding
upon the Bank, its successors and assigns.

         8.4  Modification.  The  Bank,  by action of the  Board,  reserves  the
              ------------
exclusive right to amend,  modify, or terminate this Plan. Any such termination,
modification or amendment shall not terminate or diminish any rights or benefits
accrued by any Participant prior thereto.  The Bank shall give thirty (30) days'
notice in writing to any  Participant  prior to the  effective  date of any such
amendment,  modification  or  termination  of  this  Plan.  Notwithstanding  the
foregoing,  in no event shall such benefits  payable to a Participant  under the
Plan be reduced  below those  provided  for in Section 2.4 herein.  In the event
that the Plan benefits  payable under Section 2.4 of the Plan are reduced or the
Plan is  terminated,  a  Participant  shall be  immediately  100%  vested in all
benefits  calculated in accordance  with Section 2.4 as of the date of such Plan
amendment  or Plan  termination  without  regard to such Plan  amendment or Plan
termination.

         8.5 Arbitration. Any controversy or claim arising out of or relating to
             -----------
any contract or the breach thereof shall be settled by arbitration in accordance
with the Commercial  Arbitration Rules of the American Arbitration  Association,
with  such  arbitration  hearing  to be  held  at the  offices  of the  American
Arbitration Association ("AAA") unless otherwise mutually agreed to by

                                        7

<PAGE>

the  Participant  and the Bank,  and  judgment  upon the award  rendered  by the
arbitrator(s) may be entered in any court having jurisdiction thereof.

         8.6  Limitation.  No rights of any  Participant  are  assignable by any
              ----------
Participant,  in whole or in part,  either by voluntary or involuntary act or by
operation  of  law.  Rights  of  Participants   hereunder  are  not  subject  to
anticipation,  alienation, sale, transfer,  assignment,  pledge,  hypothecation,
encumbrance  or  garnishment  by creditors of the  Participant or a Beneficiary.
Such rights are not subject to the debts, contracts,  liabilities,  engagements,
or torts of any Participant or his or her Beneficiary. No Participant shall have
any right under this Plan or any Trust  referred to in Article IV or against any
assets held or  acquired  pursuant  thereto  other than the rights of a general,
unsecured  creditor of the Bank pursuant to the unsecured promise of the Bank to
pay the benefits  accrued  hereunder in accordance  with the terms of this Plan.
The Bank has no  obligation  under  this Plan to fund or  otherwise  secure  its
obligations to render payments  hereunder to Participants.  No Participant shall
have any voice in the use,  disposition,  or investment of any asset acquired or
set aside by the Bank to provide benefits under this Plan.

         8.7 ERISA and IRC  Disclaimer.  It is intended that the Plan be neither
             -------------------------
an "employee  welfare  benefit plan" nor an "employee  pension benefit plan" for
purposes of the Employee  Retirement  Income  Security  Act of 1974,  as amended
("ERISA").  Further, it is intended that the Plan will not cause the interest of
a  Participant  under  the Plan to be  includable  in the  gross  income of such
Participant or a Beneficiary  prior to the actual receipt of a payment under the
Plan for purposes of the Internal Revenue Code of 1986, as amended  ("IRC").  No
representation  is made to any  Participant  to the  effect  that any  insurance
policies  purchased by the Bank or assets of any Trust  established  pursuant to
this Plan will be used solely to provide  benefits under this Plan or in any way
shall  constitute  security for the payment of such benefits.  Benefits  payable
under this Plan are not in any way limited to or governed by the proceeds of any
such insurance  policies or the assets of any such Trust.  No Participant in the
Plan has any preferred claim against the proceeds of any such insurance policies
or the assets of any such Trust.

         8.8 Conduct of Participants.  Notwithstanding anything contained to the
             -----------------------
contrary,  no payment of any then unpaid  benefits  shall be made and all rights
under the Plan  payable  to a  Participant,  or any  other  person,  to  receive
payments  thereof  shall be  forfeited  if the  Participant  shall engage in any
activity  or conduct  which in the  opinion the Board of the Bank is inimical to
the best interests of the Bank.

         8.9  Incompetency.  If the Bank  shall find that any person to whom any
              ------------
payment  is  payable  under  the Plan is  deemed  unable  to care for his or her
personal affairs because of illness or accident,  or is a minor, any payment due
(unless  a prior  claim  therefor  shall  have  been  made  by a duly  appointed
guardian,  committee or other legal representative) may be paid to the spouse, a
child, a parent,  or a brother or sister, or to any person deemed by the Bank to
have incurred  expense for such person  otherwise  entitled to payment,  in such
manner and proportions as the Committee, in its sole discretion,  may determine.
Any such payments shall  constitute a complete  discharge of the  liabilities of
the Bank under the Plan.

                                        8

<PAGE>

         8.10 Construction. The Committee shall have full power and authority to
              ------------
interpret, construe and administer this Plan and the Committee's interpretations
and  construction  thereof,  and  actions  thereunder,   shall  be  binding  and
conclusive on all persons for all purposes. Directors of the Bank and members of
the Committee  shall not be liable to any person for any action taken or omitted
in connection with the  interpretation  and  administration  of this Plan unless
attributable to his or her own willful,  gross misconduct or intentional lack of
good faith.

         8.11 Plan  Administration.  The Board of the Bank shall  administer the
              --------------------
Plan; provided,  however, that the Board may appoint an administrative committee
("Committee") to provide  administrative  services or perform duties required by
this Plan.  The  Committee  shall have only the  authority  granted to it by the
Board.

         8.12 Governing Law. This Plan shall be construed in accordance with and
              -------------
governed by the laws of the State of Florida,  except to the extent that Federal
law shall be deemed to apply. No payments of benefits shall be made hereunder if
the Board of the Bank, or counsel  retained  thereby,  shall determine that such
payments  shall be in violation of applicable  regulations,  or likely result in
imposition  of  regulatory  action,  by the  Office of Thrift  Supervision,  the
Federal Deposit Insurance  Corporation or other appropriate  banking  regulatory
agencies.

         8.13     Regulatory Matters.
                  ------------------

         (a) The  Participant  or  Beneficiary  shall  have no right to  receive
compensation  or other benefits in accordance with the Plan for any period after
termination  of service  for Just  Cause.  Termination  for "Just  Cause"  shall
include   termination   because  of  the  Participant's   personal   dishonesty,
incompetence,  willful  misconduct,  breach of fiduciary duty involving personal
profit,  intentional failure to perform stated duties,  willful violation of any
law, rule or regulation  (other than traffic  violations or similar offenses) or
final cease-and-desist order, or material breach of any provision of the Plan.

         (b) Notwithstanding  anything herein to the contrary, any payments made
to a  Participant  or  Beneficiary  pursuant to the Plan shall be subject to and
conditioned   upon  compliance  with  12  USC  ss.1828(k)  and  any  regulations
promulgated thereunder.

         (c) If the Participant is suspended and/or temporarily  prohibited from
participating  in the conduct of the  Association's  affairs by a notice  served
under Section  8(e)(3) or (g)(1) of the FDIA (12 U.S.C.  1818(e)(3) and (g)(1)),
the  Association's  obligations under the Agreement shall be suspended as of the
date of service, unless stayed by appropriate proceedings. If the charges in the
notice are  dismissed,  the  Association  may within its  discretion (i) pay the
Participant  all or  part  of  the  compensation  withheld  while  its  contract
obligations  were  suspended and (ii) reinstate (in whole or in part) any of its
obligations which were suspended.

         (d) If the  Participant is removed and/or  permanently  prohibited from
participating  in the conduct of the  Association's  affairs by an order  issued
under Sections 8(e)(4) or 8(g)(1) of the

                                        9

<PAGE>

Federal Deposit  Insurance Act ("FDIA") (12 U.S.C.  1818(e)(4) and (g)(1)),  all
obligations of the Association  under this Agreement shall terminate,  as of the
effective date of the order,  but the vested rights of the  contracting  parties
shall not be affected.

         (e) If the  Association is in default (as defined in Section 3(x)(1) of
FDIA) all  obligations  under this Agreement  shall  terminate as of the date of
default,  but  this  paragraph  shall  not  affect  any  vested  rights  of  the
contracting parties.

         (f) All obligations under this Agreement shall be terminated, except to
the extent  determined that  continuation of this Agreement is necessary for the
continued  operation  of the  Association:  (i) by the Director of the Office of
Thrift Supervision ("Director of OTS"), or his or her designee, at the time that
the Federal Deposit Insurance  Corporation  ("FDIC") enters into an agreement to
provide  assistance  to or on behalf  of the  Association  under  the  authority
contained in Section  13(c) of FDIA;  or (ii) by the Director of the OTS, or his
or her  designee,  at the time  that  the  Director  of the  OTS,  or his or her
designee approves a supervisory  merger to resolve problems related to operation
of the  Association or when the Association is determined by the Director of the
OTS to be in an unsafe or unsound condition. Any rights of the parties that have
already vested, however, shall not be affected by such action.

         8.14  Successors  and  Assigns.  The  Plan  shall be  binding  upon any
               ------------------------
successor or successors of the Bank, and unless clearly inapplicable,  reference
herein to the Bank shall be deemed to include any successor or successors of the
Bank.

         8.15 Sole Agreement.  The Plan expresses,  embodies, and supersedes all
              --------------
previous agreements,  understandings,  and commitments, whether written or oral,
between the Bank and any Participants and  Beneficiaries  hereto with respect to
the subject matter hereof.

                                       10

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