Document:

Promissory Note

EXECUTION COPY
NOTE
$21,525,000                                            February 17, 2012
FOR VALUE RECEIVED, each of the undersigned, Golfview Holdings LLC, a Nevada limited liability company (“Golfview”), and Trousdale Health Holdings, LLC, a Nevada limited liability company (“Trousdale”; Golfview and Trousdale, each, a “Borrower” and, together, “Borrowers”), jointly and severally, unconditionally promises to pay to the order of RBS ASSET FINANCE, INC. (“Lender”) the principal sum of TWENTY‐ONE million FIVE HUNDRED TWENTY‐FIVE THOUSAND DOLLARS ($21,525,000), which is the original principal amount of the Loan made by Lender on the date hereof.  Principal shall be payable on each payment date (each, a “Payment Date”) in installments as set forth on Schedule A hereto, with a final installment (in the amount necessary to pay in full this Note) due and payable on March 1, 2019 the (“Maturity Date”), or earlier upon acceleration pursuant hereto or pursuant to each Commercial Deed of Trust, Security Agreement, Assignment of Leases and Rents and Fixture Filing of even date herewith (each, a “Mortgage” and, together, the “Mortgages”) executed by the respective Borrower for the benefit of Lender securing the loan (the “Loan”) evidenced by this Note.  Borrowers also promise to pay interest on the unpaid principal amount hereof from the date hereof (the “Closing Date”) until maturity (whether by acceleration or otherwise) and, after maturity, until paid.  Except as otherwise provided herein, interest shall accrue on this Note at a rate per annum equal to 4.75% and shall be payable on each Payment Date as set forth on Schedule A hereto.  In addition, interest for the period from the Closing Date through and including the last day of the calendar month immediately preceding March 1, 2012 shall be payable on March 1, 2012.  Unless otherwise defined in this Note, all capitalized terms used in this Note shall have the meanings ascribed to such terms in the Mortgages.

Payments of both principal and interest are to be made without set-off or counterclaim in lawful money of the United States of America in same day or immediately available funds to the account designated by Lender.  Borrowers shall authorize and make such arrangements as may be necessary to enable Lender to obtain payments due under this Note and the other Loan Documents through the automated clearinghouse system (“ACH System”).  Such authorizations and arrangements shall include, without limitation, establishing and maintaining an account with a commercial bank that is a member of the ACH System and entering into an ACH System agreement with Lender.  Whenever any payment to be made hereunder shall be stated to be due on a day which is not a Business Day, such payment may be made on the next succeeding Business Day, and such extension of time shall not be included in the computation of interest or the fees hereunder, as the case may be.

If any payment (other than the final, balloon payment on the Maturity Date) shall not be received by Lender within 10 days after its due date, Borrower shall pay interest on the delinquent payment at the rate of the lesser of (i) the sum of (A) the stated interest rate of this Note plus (B) 2.00% per annum or (ii) the maximum interest rate permitted by law (the “Default Rate”); provided that such amount shall not be less than $1,000.00.

Each of the following shall constitute an event of default (“Event of Default”) hereunder and under the other Loan Documents:

(a)    Failure of Lender to receive any payment of principal, interest or Prepayment Fee upon this Note when due, and such failure shall continue for 10 days; or

(b)    The occurrence of an “Event of Default” as defined in any Loan Document (other than this Note).

Upon the occurrence of any Event of Default, Lender shall have the option to declare the entire amount of principal and interest due under this Note immediately due and payable without notice or demand, and Lender may exercise any of its rights under this Note, the Mortgage and any document executed or delivered herewith.  After acceleration or the Maturity Date, Borrowers shall pay interest on the outstanding principal balance of this Note at the Default Rate.

Prior to the Maturity Date, Borrowers may, from time to time on any Payment Date after the second anniversary of the Closing Date of this Note make a voluntary prepayment of the outstanding principal amount of the Loan; provided, however that: (a) any such voluntary prepayment shall be made only of the Loan in full; (b) any such voluntary prepayment shall require notice on or before the date that is 10 Business Days in advance of any prepayment of the Loan; and (c) in connection with such voluntary prepayment, Borrowers shall pay all accrued interest on the outstanding principal amount of the Loan, all other amounts owed under any Loan Document and, except as otherwise provided in any Loan Document, the aggregate Prepayment Fee for the Loan, which shall not be refundable. 

Upon any acceleration of the Loan pursuant to either Mortgage, Borrowers shall immediately repay all of (or if only a portion is accelerated thereunder, such portion of) the Loan then outstanding, including accrued and unpaid interest thereon, plus the aggregate Prepayment Fee for the Loan and all other amounts owed under the Loan Documents.

As used herein, the “Prepayment Fee” shall be an amount equal to 4% of the amount prepaid if prepayment is on or prior to the third anniversary of the Closing Date of this Note, 3% of the amount prepaid if prepayment is after the third anniversary of the Closing Date of this Note but on or prior to the fourth anniversary of the Closing Date of this Note, 2% of the amount prepaid if prepayment is after the fourth anniversary of the Closing Date of this Note but on or prior to the fifth anniversary of the Closing Date of this Note, 1% of the amount prepaid if prepayment is after the fifth anniversary of the Closing Date of this Note but on or prior to the sixth anniversary of the Closing Date of this Note and 0% of the amount prepaid if prepayment is after the sixth anniversary of the Closing Date.

This Note evidences Secured Obligations described in each Mortgage and is secured by the Collateral described in each Mortgage.  This Note is subject to the terms and conditions set forth in each Mortgage.

Borrowers hereby irrevocably authorize Lender to make (or cause to be made) appropriate notations on the Schedule A attached to this Note (or on any continuation of or supplements to such schedule), which notations, if made, shall evidence, inter alia, the date of, the outstanding principal of, and the interest rate applicable to, the Loan evidenced hereby (including, without limitation, upon any applicable extension of the Maturity Date of the Loan, to amend Schedule A to provide for the amended scheduled payments of principal and interest).  Such notations shall be, absent manifest error, evidence of the information so set forth therein; provided, however, that the failure of Lender to make any such notations shall not limit or otherwise affect any Obligations of any Borrower.

If this Note is placed in the hands of an attorney for collection, Borrowers shall pay reasonable attorneys' fees and expenses incurred by Lender in connection therewith, and in the event suit or action is instituted to enforce or interpret this Note (including, without limitation, efforts to modify or vacate any automatic stay or injunction), the prevailing party shall be entitled to recover all expenses reasonably incurred at, before or after trial and on appeal, whether or not taxable as costs, or in any bankruptcy proceeding, or in connection with postjudgment collection efforts, including, without limitation, reasonable attorneys' fees, witness fees (expert and otherwise), deposition costs, copying charges and other expenses.

All parties hereto, whether as makers, endorsers, or otherwise, severally waive presentment for payment, demand, protest and notice of dishonor.
All of the obligations, promises, agreements and covenants of Borrowers under this Note are joint and several.
Each Borrower hereby agrees to comply with the covenants applicable to such Borrower set forth in Exhibit A to the Guaranty of even date herewith executed by The Ensign Group, Inc. for the benefit of Lender.
Delivery of an executed signature page of this Note by facsimile transmission or by means of electronic mail (or in so-called “pdf” format) shall be effective as an in-hand delivery of an original executed original hereof.
THIS NOTE SHALL BE GOVERNED BY THE LAWS OF THE STATE OF NEW YORK, WITHOUT REGARD TO THE CONFLICT‐OF‐LAWS PRINCIPLES THEREOF.

EACH BORROWER HEREBY WAIVES ITS RIGHTS TO A JURY TRIAL OF ANY CLAIM OR CAUSE OF ACTION BASED UPON OR ARISING OUT OF, DIRECTLY OR INDIRECTLY, THIS NOTE, ANY OF THE LOAN DOCUMENTS, ANY DEALINGS BETWEEN OR AMONG LENDER AND ANY BORROWER RELATING TO THE SUBJECT MATTER OF THE TRANSACTIONS CONTEMPLATED BY THIS NOTE OR ANY LOAN DOCUMENT, AND/OR THE RELATIONSHIP THAT IS BEING ESTABLISHED BETWEEN OR AMONG LENDER AND ANY BORROWER.  EACH BORROWER ACKNOWLEDGES AND AGREES THAT THIS PROVISION IS A MATERIAL INDUCEMENT FOR LENDER MAKING THE LOAN.  THE SCOPE OF THIS WAIVER IS INTENDED TO BE ALL ENCOMPASSING OF ANY AND ALL DISPUTES THAT MAY BE FILED IN ANY COURT (INCLUDING, WITHOUT LIMITATION, CONTRACT CLAIMS, TORT CLAIMS, BREACH OF DUTY CLAIMS AND ALL OTHER COMMON LAW AND STATUTORY CLAIMS).  THIS WAIVER IS IRREVOCABLE, MEANING THAT IT MAY NOT BE MODIFIED EITHER ORALLY OR IN WRITING, AND THIS WAIVER SHALL APPLY TO ANY SUBSEQUENT AMENDMENTS, RENEWALS, SUPPLEMENTS OR MODIFICATIONS TO THIS NOTE, ANY LOAN DOCUMENT, OR TO ANY OTHER DOCUMENT OR AGREEMENT RELATING TO THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT OR ANY RELATED TRANSACTION.  IN THE EVENT OF LITIGATION, THIS AGREEMENT MAY BE FILED AS A WRITTEN CONSENT TO A TRIAL BY THE COURT.

ANY LITIGATION BASED HEREON, OR ARISING OUT OF, UNDER, OR IN CONNECTION WITH, THIS AGREEMENT OR ANY OTHER LOAN DOCUMENT SHALL BE BROUGHT AND MAINTAINED EXCLUSIVELY IN THE FEDERAL OR STATE COURTS OF NEW YORK LOCATED IN THE BOROUGH OF MANHATTAN; PROVIDED, HOWEVER, THAT ANY SUIT SEEKING ENFORCEMENT AGAINST ANY PROPERTY OR OTHER PROPERTY MAY BE BROUGHT, AT LENDER'S OPTION, IN THE COURTS OF ANY JURISDICTION WHERE SUCH PROPERTY MAY BE FOUND.  EACH BORROWER HEREBY EXPRESSLY AND IRREVOCABLY SUBMITS TO THE JURISDICTION OF SUCH COURTS FOR THE PURPOSE OF ANY SUCH LITIGATION AS SET FORTH ABOVE AND IRREVOCABLY AGREES TO BE BOUND BY ANY JUDGMENT RENDERED THEREBY IN CONNECTION WITH SUCH LITIGATION.  EACH BORROWER FURTHER IRREVOCABLY CONSENTS TO THE SERVICE OF PROCESS BY REGISTERED MAIL, POSTAGE PREPAID, OR BY PERSONAL SERVICE WITHIN OR WITHOUT THE STATE OF NEW YORK.  EACH BORROWER HEREBY EXPRESSLY AND IRREVOCABLY WAIVES, TO THE FULLEST EXTENT PERMITTED BY LAW, ANY OBJECTION WHICH IT MAY HAVE OR HEREAFTER MAY HAVE TO THE LAYING OF VENUE OF ANY SUCH LITIGATION BROUGHT IN ANY SUCH COURT REFERRED TO ABOVE AND ANY CLAIM THAT ANY SUCH LITIGATION HAS BEEN BROUGHT IN AN INCONVENIENT FORUM.  TO THE EXTENT THAT ANY BORROWER HAS OR HEREAFTER MAY ACQUIRE ANY IMMUNITY FROM JURISDICTION OF ANY COURT OR FROM ANY LEGAL PROCESS (WHETHER THROUGH SERVICE OR NOTICE, ATTACHMENT PRIOR TO JUDGMENT, ATTACHMENT IN AID OF EXECUTION OR OTHERWISE) WITH RESPECT TO ITSELF OR ITS PROPERTY, SUCH BORROWER HEREBY IRREVOCABLY WAIVES SUCH IMMUNITY IN RESPECT OF ITS OBLIGATIONS UNDER THIS NOTE AND THE OTHER LOAN DOCUMENTS.

[REMAINDER OF PAGE INTENTIONALLY BLANK; EXECUTION PAGE FOLLOWS]
IN WITNESS WHEREOF, each Borrower has caused this Note to be executed by its officer and duly authorized as of the day and year first above written.
BORROWERS:

Golfview Holdings LLC

		
	By: 
	The Ensign Group, Inc., a Delaware corporation, its Sole Member

By:  /s/ Gregory K. Stapley                    
Name:  Gregory K. Stapley                    
Title:  Executive Vice President             

Trousdale Health Holdings, LLC

		
	By: 
	The Ensign Group, Inc., a Delaware corporation, its Sole Member

By:  /s/ Gregory K. Stapley                    
Name:  Gregory K. Stapley                    
Title:  Executive Vice PresidentExhibit 10.1

                                   AGREEMENT

          THIS AGREEMENT ("Agreement") made the 16TH day of FEBRUARY 2012,
between CORNERSTONE BANK, a New Jersey chartered commercial bank (the "Bank"),
and SCOTT KINTZING, an individual (the "Executive") (hereinafter, collectively
referred to as the "Parties").

                                  WITNESSETH:

          WHEREAS, the Bank desires to retain/continue the services of
Executive as EXECUTIVE VICE PRESIDENT; and

          WHEREAS, Bank and Executive desire to enter into this Agreement to
set forth and define the terms and conditions of the employment relationship
between the Bank and Executive.

          NOW THEREFORE, in consideration of the mutual covenants and
agreements contained herein, and other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the parties,
intending to be legally bound, agree as follows:

AGREEMENT:

          1. EMPLOYMENT. The Executive is hereby employed as MARKET PRESIDENT,
(the "Position") on the terms and conditions set forth in this Agreement.

          2. DUTIES OF EXECUTIVE. The Executive shall perform and discharge
well and faithfully the duties set forth in the Bank's current written job
description for the Position, as it may be modified or supplemented from time
to time by the Chief Executive Officer of the Bank and/or the Bank's Board of
Directors. The Executive shall devote his/her full time, attention and energies
to the business of the Bank. During the Employment Period (as defined below),
Executive will not engage in any work, trade or business for his own account or
for or on behalf of any other person, firm or corporation other than the Bank,
as an employee, consultant, agent or otherwise. Executive may engage in
non-competitive charitable activities for reasonable periods of time each month
so long as such activities do not interfere with Executive's responsibilities
under this Agreement and so long as prior to engaging in any such activities,
Executive notifies the Bank's Director of Human Resources of the Executive's
intention to engage in such activities, providing information about the charity
involved and Executive's proposed role, and thereafter Executive has been
notified by the Bank that he or she may engage in such activities.

          3. TERM OF EMPLOYMENT. The Executive's employment under this
Agreement shall be for a period (the "Employment Period") commencing on March
1, 2012 and ending on February 28, 2013, unless sooner terminated in accordance
with this Section 3 hereof or unless the term hereof is extended upon the
occurrence of a Change in Control (as defined herein) pursuant to the terms of
Section 6 hereof.

                    (a) The Executive's employment under this Agreement may be
terminated at any time during the Employment Period for "Cause" (as herein
defined), by action of the Board

<PAGE>

of Directors of the Bank. As used in this Agreement, "Cause" means any of the
following events:

                              (i) Violation of any law, rule or regulation
(other than traffic violations or similar minor offenses) that

                              (ii) reflects adversely on the reputation of the
Bank, any felony conviction, any violation of law involving fraud, dishonesty
or moral turpitude, or which would otherwise, in the reasonable discretion of
the Bank's Board of Directors, reflect negatively on the reputation of the
Bank, or any violation of any written agreement or order with or issued by any
regulatory authority having jurisdiction over the Bank.

                              (iii) Executive's failure to adequately perform
his duties and responsibilities to the Bank, which performance deficiencies
continue thirty (30) days after the Bank shall have provided to the Executive
written notice setting forth the nature of the performance deficiencies, all as
reasonably determined by the Board of Directors.

                              (iv) Any misconduct by the Executive, whether or
not constituting criminal activity, which involves fraud, embezzlement or
material dishonesty with respect to the Bank, its business or customers.

                              (v) Abuse of alcohol or other controlled
substances which prevent or interfere with Executive's personal interactions
with employees, customers or the public or Executive's performance of his
duties under this Agreement.

                              (vi) Ineligibility to serve as an officer or
director of a bank or a publicly-held corporation under any Federal or state
law or regulation or order of the Securities and Exchange Commission or any
bank regulatory agency having jurisdiction over the Bank or the Executive.

                              (vii) Any material breach of this Agreement.

If the Executive's employment is terminated under the provisions of this
Section 3(a), then all rights of the Executive under Section 4 hereof shall
cease as of the effective date of such termination.

                    (b) The Executive's employment under this Agreement may be
terminated at any time during the Employment Period without "Cause" (as defined
in Section 3(a) hereof), by action of the Board of Directors of the Bank, upon
giving notice of such termination to the Executive at least thirty (30) days
prior to the date upon which such termination shall take effect. If the
Executive's employment is terminated under the provisions of this Section 3(b),
then the Executive shall be entitled to receive the compensation and benefits
set forth in Section 6 or Section 7 hereof, whichever shall be applicable.

                    (c) If the Executive dies, the Executive's employment under
this Agreement shall be deemed terminated as of the date of the Executive's
death, and notwithstanding any other language to the contrary in this
Agreement, all rights of the Executive under Section 4 hereof shall cease as of
the date of such termination and any benefits payable to the Executive

<PAGE>

shall be determined in accordance with the retirement and insurance programs of
the Bank then in effect.

                    (d) If the Executive is incapacitated by accident,
sickness, or otherwise so as to render the Executive mentally or physically
incapable of performing the services required of the Executive under Section 2
of this Agreement for a continuous period of ninety (90) consecutive calendar
days or for 120 calendar days (whether or not consecutive) in any twelve (12)
month period, then, upon the expiration of such period or at any time
thereafter, by action of the Board of Directors of the Bank, the Executive's
employment under this Agreement may be terminated immediately upon giving the
Executive notice to that effect. If the Executive's employment is terminated
under the provisions of this Section 3(d), then all rights of the Executive
under Section 4 hereof shall cease as of the last business day of the week in
which such termination occurs and any benefits payable to the Executive shall
be determined in accordance with the retirement and insurance programs of the
Bank then in effect.

                    (e) The Executive may resign for "Good Reason" (as herein
defined). As used in this Agreement, "Good Reason" means any of the following:

                              (i) Any demotion of the Executive to a position
of lesser responsibility or authority than the Position, except for termination
of the Executive's employment pursuant to the provisions of Section 3(a), (c)
or (d) hereof;

                              (ii)  Any assignment to the Executive of duties
materially inconsistent with the Position;

                              (iii) Any reassignment of the Executive which
necessitates or requires the Executive to relocate the Executive's principal
residence. Executive will be considered to be required to relocate if the
Executive's assigned location (currently, the Bank's headquarters located at
6000 Midlantic Drive, Mt. Laurel, NJ 08054) is moved and the executive's daily
commute to or from Executive's principal residence as of the date of this
Agreement, (209 Odgen Station Road, Thorofare NJ 08086 ) would be increased by
more than twenty (20) miles one way (regardless of where Executive actually
resides from and after the date hereof);

                              (iv) Any reduction in the Executive's annual base
salary in effect on the date hereof or as the same may be increased from time
to time, except insofar as such reduction, on a percentage basis (not to exceed
ten (10%) percent), is applied equally to all other executive officers of the
Bank holding comparable seniority;

                              (v) Following a "Change in Control," any failure
of the Bank to provide the Executive with benefits at least as favorable as
those enjoyed by the Executive under any of the retirement, life insurance,
medical, health and accident, disability or other employee plans of the Bank in
which the Executive participated at the time of the Change in Control, or the
taking of any action that would materially reduce any of such benefits in
effect at the time of the Change in Control;

                              (vi) Any material failure to obtain a
satisfactory agreement from any successor to assume and agree to perform this
Agreement, as contemplated in Section 15 hereof; or

<PAGE>

                              (vii) Any breach of a material provision of this
Agreement on the part of the Bank.

                    (f) Provided that the Executive has given the Bank written
notice of any event constituting Good Reason and such event remains uncured for
thirty (30) days after such notice, Executive may, at the option of the
Executive, resign from employment with the Bank under this Agreement by
delivering notice in writing (the "Notice of Termination") to the Bank (or its
successor), and the provisions of either Section 6 or Section 7 hereof shall
thereupon apply. Section 6 shall apply where "Good Reason" resulted from or
occurred contemporaneous with or after a Change in Control as defined by
Section 5 hereof. Section 7 shall apply in all other instances where "Good
Reason" exists. Should Executive resign for any reason other than those defined
above as Good Reason, it shall be considered a voluntary resignation and all
rights of Executive to any compensation hereunder shall cease as of the date of
such voluntary resignation, and Executive shall only be entitled to be paid any
compensation earned up to the date of such termination.

          4. EMPLOYMENT PERIOD COMPENSATION.

                    (a) BASE SALARY. For services performed by the Executive
under this Agreement, the Bank shall pay (or cause to be paid to) the Executive
a base salary, during the Employment Period, of $232,260.00, with adjustments
thereafter as determined by the Board of Directors of the Bank, consistent with
this Agreement.

                    (b) BONUS. The Board of Directors of the Bank, at its
complete discretion, may award Executive bonuses during the term of this
Agreement. Nothing herein shall require the award of any bonus to Executive.

                    (c) OTHER BENEFITS. Benefits, including insurance,
vacation, retirement, and other fringe benefits, shall be the standard benefits
of the Bank as they shall exist from time-to-time. Executive's eligibility for
and the terms of his participation in such benefit plans is governed by the
terms and conditions of those plans, and by the policies of the Bank.
Interpretation and application of a plan to particular circumstances will be
made by the Bank and/or the plan's administrator and is within the Bank's
and/or administrator's sole and absolute discretion.

                    (d) STOCK-BASED COMPENSATION. Executive shall be eligible
to participate in any Stock-Based Compensation plan adopted by the Board of
Directors and made applicable to all other Employees of the Bank. Said
participation shall be governed by and subject to the terms of the plan. The
Board shall have the right to determine the level of Executive's participation
in any such plan.

          5. CHANGE IN CONTROL.

                    (a) As used in this Agreement, "Change in Control" means a
change of control of Cornerstone Financial Corporation (the "Company"), the
parent holding company of the Bank of a nature that would be required to be
reported in response to Item 6(e) of Schedule 14A of Regulation 14A promulgated
under the Securities Exchange Act of 1934, as amended (the "Exchange Act"), as
enacted and in force on the date hereof, whether or not the Company

<PAGE>

is then subject to such reporting requirement; provided, however, that, without
limitation, such a Change in Control shall be deemed to have occurred if:

                              (i) Any "person" (including a group acting in
concert, as the term "person" is defined in Section 13(d) of the Exchange Act,
as enacted and in force on the date hereof) becomes the beneficial owner" (as
that term is defined in Rule 13d-3, as enacted and in force on the date hereof,
under the Exchange Act) of securities of the Company representing thirty-five (
35%) percent or more of the combined voting power of the Company's then
outstanding voting securities;

                              (ii) There occurs a merger, consolidation or
other business combination or reorganization to which the Company is a party,
whether or not approved in advance by the Board of Directors of the Company in
which (A) the members of the Board of Directors of the Company immediately
preceding the consummation of such transaction do not constitute a majority of
the members of the Board of Directors of the resulting corporation and of any
parent corporation thereof immediately after the consummation of such
transaction, and (B) the shareholders of the Company immediately before such
transaction do not hold fifty-one (51%) percent or more of the voting power of
securities of the resulting corporation;

                              (iii) There occurs a sale, exchange, transfer, or
other disposition of substantially all of the assets of the Company, on a
consolidated basis, to another entity, whether or not approved in advance by
the Board of Directors of the Company, and thereafter the shareholders of the
Company immediately before such transaction do not hold fifty-one (51%) percent
or more of the voting power of securities of the acquiring entity;

                              (iv) A plan of liquidation or dissolution of the
Company, other than pursuant to bankruptcy or insolvency, is adopted; or

                              (v) During a period of two (2) consecutive years,
individuals who at the beginning of such period constitute the Board of
Directors of the Company cease to constitute a majority of such Board (unless
the election or nomination of each new director was approved by a vote of at
least fifty-one (51%) of directors who were directors at the beginning of such
period).

          6. RIGHTS IN EVENT OF TERMINATION OF EMPLOYMENT AFTER CHANGE IN
             CONTROL.

                    (a) In the event that during the eighteen (18) month period
following a Change in Control (i) Executive resigns from employment hereunder
for Good Reason or (ii) Executive's employment is terminated without Cause or
other than as set forth in Sections 3(c) and (d), Executive shall be absolutely
entitled to receive the amounts and benefits set forth in this Section.
Notwithstanding the provisions of Section 3 hereof, following a Change in
Control, this Agreement shall be deemed to have a term of eighteen (18) months
from the consummation of such Change in Control.

                    (b) Provided that Executive executes a release of the Bank,
the Company, and their respective subsidiaries, directors, employees and agents
in the form reasonably acceptable to Bank (the "Release"), for a period of
eighteen (18) months from the date of termination of employment, Executive
shall be paid Executive's base salary at termination (or,

<PAGE>

where greater, Executive's base salary prior to any reduction thereof resulting
in Good Reason for resignation), said amounts to be paid in equal monthly
installments, beginning on the later of thirty (30) days following (i) the date
of termination of employment, or (ii) the receipt by the Bank of the approval
of payment of such amounts by any applicable regulatory agency, to the extent
such approval is legally required at that time, or (iii) the execution by
Executive of the Release.

                    (c) Provided Executive executes the Release, for a period
of eighteen (18) months from the date of termination of employment, Executive
shall receive a continuation of the medical insurance benefits in effect with
respect to Executive at the time of his termination, or, if the Bank cannot
provide such benefits because Executive is no longer an employee, a dollar
amount which after any applicable taxes paid by the Executive net of deductions
is equal to the cost to Executive of obtaining such benefits (or substantially
similar benefits).

                    (d) If the payments and benefits pursuant to this Section
6, either alone or together with other payments and benefits which Executive
has the right to receive from the Bank, would constitute a "parachute payment"
under Section 280G of the Internal Revenue Code (the "Code"), the payments and
benefits pursuant to this Section 6 shall be reduced or revised, in the manner
determined by Executive, by the amount, if any, which is the minimum necessary
to result in no portion of the payments and benefits under this Section 6 or
any other payment or benefit plan or agreement between executive and the Bank
or its affiliates being non-deductible to the Bank (or its successor) pursuant
to Section 280G of the Code and subject to the excise tax imposed under Section
4999 of the Code. The determination of any reduction in the payments and
benefits to be made pursuant to this Section 6 shall be based upon the opinion
of the Company's independent public accountants and paid for by the Company.

                    (f) Notwithstanding any other provision of this Section, no
cash payments shall be made to Executive pursuant to this Section unless and
until he has experienced a "separation from service" with the Bank and its
affiliates, within the meaning of Code Section 409A. In addition, if the
Executive was a "specified employee" within the meaning of Code Section 409A on
the December 31 preceding the separation from service, such cash payments shall
be suspended for a period of six (6) months from the date of such separation
from service, but only to the extent that such cash payment(s) is not exempt
from Code Section 409A (e.g. under the short term deferral, two (2) times or
non-taxable exemptions). Any cash payments so suspended shall be made in a
single lump sum as soon as practicable following the expiration of such
six-month period. For purposes of this and all other non-qualified deferred
compensation plans of the Bank, the specified employee effective date shall be
January 1 of each year.

                    (g) Benefits paid pursuant to Section 6(f), to the extent
of payments made from the date of termination of Executive's employment through
March 15th of the calendar year following such termination, are intended to
constitute separate payments for purposes of Treas. Reg. Section 1.409A
-2(b)(2) and thus payable pursuant to the "short term deferral" rule set forth
in Treas. Reg. Section 1.409A -1(b)(4); to the extent such payments are made
following said March 15th, they are intended to constitute separate payments
for purposes of Treas. Reg. Section 1.409A -2(b)(2) made upon an involuntary
separation from service and payable pursuant to Treas. Reg. Section 1.409A
-1(b)(9)(iii), to the maximum extent permitted by said provision.

<PAGE>

          7. RIGHTS IN EVENT OF TERMINATION OF EMPLOYMENT WITHOUT CAUSE OR
             EXECUTIVE'S RESIGNATION FOR GOOD REASON, IN ABSENCE OF CHANGE IN
             CONTROL.

                    (a) In the event that Executive's employment is terminated
by the Bank during the Employment Period without Cause or other than as set
forth in Sections 3(c) and (d), or Executive resigns for Good Reason, in either
event prior to the occurrence of a Change in Control, Executive shall be
entitled to receive the amounts and benefits set forth in this Section.

                    (b) Provided Executive executes the Release, for a period
of time equal to the time from the date of termination of employment to end of
Employment Period, BUT IN NO EVENT greater than twelve (12) months nor less
than three (3) months, from the date of termination of employment (the
"Severance Period"), Executive shall be paid his base salary at termination
(or, where greater, his base salary prior to any reduction thereof resulting in
Good Reason for resignation), said amounts to be paid in equal monthly
installments, beginning on the later of (i) thirty (30) days following the date
of termination of employment or (ii) the receipt by the Bank of the approval of
payment of such amounts by any applicable regulatory agency, to the extent such
approval is legally required at that time, or (iii) Executive's execution of
the Release.

                    (c) Provided Executive executes the Release, for the
duration of the Severance Period, Executive shall receive a continuation of the
medical insurance benefits in effect with respect to Executive at the time of
his termination, or, if the Bank cannot provide such benefits because Executive
is no longer an employee, a dollar amount which after any applicable taxes is
equal to the cost to Executive of obtaining such benefits (or substantially
similar benefits).

                    (d) Executive shall not be required to mitigate the amount
of any payment provided for in this Section by seeking employment or
otherwise.

                    (e) Notwithstanding any other provision of this Section, no
cash payments shall be made to Executive pursuant to this Section unless and
until he has experienced a "separation from service" with the Bank and its
affiliates, within the meaning of Code Section 409A. In addition, if the
Executive was a "specified employee" within the meaning of Code Section 409A on
the December 31 preceding the separation from service, such cash payments shall
be suspended for a period of six (6) months from the date of such separation
from service, but only to the extent that such cash payment(s) is not exempt
from Code Section 409A (e.g. under the short term deferral, two (2) times or
non-taxable exemptions). Any cash payments so suspended shall be made in a
single lump sum as soon as practicable following the expiration of such six (6)
month period. For purposes of this and all other non-qualified deferred
compensation plans of the Bank, the specified employee effective date shall be
January 1 of each year.

                    (f) Benefits paid pursuant to Section 7(e), to the extent
of payments made from the date of termination of Executive's employment through
March 15th of the calendar year following such termination, are intended to
constitute separate payments for purposes of

<PAGE>

Treas. Reg. Section 1.409A -2(b)(2) and thus payable pursuant to the "short
term deferral" rule set forth in Treas. Reg. Section 1.409A -1(b)(4); to the
extent such payments are made following said March 15th, they are intended to
constitute separate payments for purposes of Treas. Reg. Section 1.409A
-2(b)(2) made upon an involuntary separation from service and payable pursuant
to Treas. Reg. Section 1.409A -1(b)(9)(iii), to the maximum extent permitted by
said provision.

          8. POST EMPLOYMENT COVENANTS.

                    (a) TRADE SECRETS AND CONFIDENTIAL INFORMATION. During the
course of Executive's employment hereunder, certain business records and
information of the Bank and the Company which the parties hereto acknowledge as
Trade Secrets and Confidential Information shall be made available to Executive.

                              (i) These Trade Secrets, which are not readily
able to be compiled from any publicly available source, include, but are not
limited to the following:
<TABLE>
<CAPTION>
<S>                                                      <C>
                                  (A) Customer lists (including address, phone
                                      number and contact person); mailing lists;
                                      customer information; referral sources;
                                      advertising, solicitation, communications,
                                      public relations, and marketing
                                      plans/strategies/systems/techniques;
                                      banking products, pricing and discounting
                                      formulas, financial information and
                                      forecasts, schedules, lists, forms or
                                      calculations; invoices; and customer
                                      preferences or history.

                                  (B) Computer programs, and software; product
                                      design concepts, details and specifications;
                                      logos and trademarks; website, networking,
                                      and Internet forms and procedures; business
                                      or technical processes, systems, methods,
                                      machines, inventions or discoveries; policy
                                      & procedure manuals; training manuals;
                                      forms; methods or procedures of operation;
                                      financing, research and/or development
                                      strategies and technologies; and all written
                                      or oral confidential or proprietary
                                      information of the Bank or the Company,
                                      whether originated, used, implemented,
                                      modified, developed, or disseminated by the
                                      Bank or the Company in the course of their
                                      respective business operations.

</TABLE>

                              (ii) The confidential information subject to this
Agreement includes, but is not limited to, the information set forth in
subsections (A) and (B) above.

                              (iii) During the term of this Agreement and
thereafter, Executive shall (i) keep confidential, and not disclose to any
party, nor use or copy for executive's own behalf, or for the benefit of any
person or entity other than the Bank the Confidential Information and Trade
Secrets, and (ii) refrain from using any Confidential Information or Trade
Secrets except in furtherance of the Bank's business and in a manner expressly
permitted by the Bank in writing.

<PAGE>

                    (b) EMPLOYEE SOLICITATION. The Executive agrees that during
the term of his employment with the Bank and for the one (1) year period
following the termination thereof (for whatever reason) he shall not, whether
directly or indirectly, in any way for his own account or for the account of
any other person, venture, firm, business, corporation or enterprise, offer
employment to any employee of the Bank or attempt to induce or entice any
regular or temporary employee of the Bank to leave the employ of the Bank.

                    (c) CUSTOMER SOLICITATION. Executive agrees, that in the
event Executive's employment terminates, regardless of the reason for said
termination or the party instituting the termination, Executive will not,
directly or indirectly, individually, or as partner or as agent, independent
contractor, employee or stockholder of any corporation, or for any business
entity of any nature, for a period of one (1) year from the termination of
employment, regardless of the reason for employment termination call upon,
solicit, or be solicited, or otherwise contact, service, sell to or perform any
work for any Customer or prospective Customer with which the Bank had a
business relationship or attempted to establish a business relationship during
the twelve (12) months prior to Executive's termination, nor during such period
shall Executive solicit customers or employees of the Bank or any of its
affiliates to cease doing business, in whole or in part, with the Bank, or any
of its affiliates. The term "Customer" as used in this subparagraph includes
any person or entity conducting banking business with the Bank, and includes
branches, plants, divisions, headquarters, sales offices, research centers,
campuses or any other locations of the customer, its parent, affiliates or
subsidiaries and individuals employed by the Customer subsequently engaged in
business enterprises elsewhere.

                    (d) Executive agrees, that in the event Executive's
employment terminates, regardless of the reason for said termination or the
party instituting the termination, Executive will not, directly or indirectly,
individually, or as partner or as agent, independent contractor, employee or
stockholder of any corporation, or for any business entity of any nature, for
the period set forth below (the "Covenant Period"), directly or indirectly own,
manage, operate, control, be employed by, participate in, render services to,
or be connected in any manner with the ownership, management, operation or
control of another insured depository institution that offers products or
services similar or equivalent to those offered by the Bank in the geographic
area in which the Bank is conducting such business at the date of termination
of Executive's employment. Executive acknowledges that it shall be a violation
of this subparagraph for Executive to conduct any business referred to herein
within the area referred to above, including but not limited to advertising or
soliciting or otherwise servicing in any way Customers within said area, even
though Executive, or its affiliated business, may be located outside said area.
Executive acknowledges the geographic scope of the Bank's business as presently
comprising all of the eight (8) southern counties of New Jersey, inclusive of
Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Ocean, and
Salem Counties and acknowledges that in light of his duties for the Bank, the
geographic scope of this Agreement is reasonable. In the event Executive's
termination of employment happens on or after the occurrence of a Change in
Control, the Covenant Period shall be one (1) year from the date of
termination, and otherwise the Covenant Periods shall be sixty (60) days. The
Executive acknowledges that these restrictions will not render him unable to
find or undertake gainful employment appropriate to his skills and experience.

<PAGE>

                    (e) SEVERABILITY. The parties acknowledge that subsections
(a), (b), (c) and (d) above are severable, and the invalidity or
unenforceability of any subparagraph or portion thereof will not impair the
enforceability of the remaining subparagraphs or portions.

                    (f) RESORT TO COURTS.

                              (i) In the event the Bank is obligated to resort
to the courts for the enforcement of any of the covenants contained in this
agreement, Executive agrees that the term of said covenants shall continue and
the period of post-employment restrictions referred to above shall be extended
by a period of time equal to that period beginning when any violation of said
covenant commenced and ending when the activities constituting such violation
shall have finally been terminated in good faith, or when there has been a final
adjudication by the trial court as to the enforcement of the covenant(s),
whichever is earlier.

                              (ii) Executive also agrees that, in the event of
his breach of this Section 8, Employer shall be entitled to reimbursement of
the full amount of the Severance set forth in Sections 6 and/or 7 of this
Agreement which has been paid to Executive as of the date of the discovery of
such breach and, further, the Employer shall have no further obligation to pay
him any remaining portion of said Severance, if any. Notwithstanding such
breach, the covenants contained in Sections 6 and/or 7 and the remaining
promises and covenants, including the release in Section 2 of this Agreement
shall remain in full force and effect.

                              (iii) Executive agrees that the Employer may also
recover from him, in the event of a breach of any provision of Section 8,
monetary relief in the amount of all damages, costs, and expenses, including
attorneys' fees incurred as a result of the breach and/or in the enforcement of
Section 8. Nothing contained herein shall be construed as prohibiting the
Employer from pursuing any other remedies available for such breach or
threatened breach.

                    (g) MODIFICATION. Executive further agrees that if any
portion of the covenants set forth in this Agreement or the application
thereof, is construed to be invalid or unenforceable, the remainder of the
covenant or covenants shall then be given full force and effect without regard
to the invalid or unenforceable portions thereof, whether because of the area
covered, the duration thereof, or the scope thereof. Executive further agrees
that the court making such determination shall have the power to reduce the
area and/or duration, and/or limit the scope thereof and the covenant(s) as
thereafter reformed shall be enforceable in its reduced form and binding upon
Executive.

          9. INTELLECTUAL PROPERTY. Executive agrees to disclose and assign,
and does hereby assign, full and absolute right, title and interest to the Bank
of any and all ideas, designs, inventions, discoveries, banking products, and
improvements made by Executive for the Bank or otherwise related in any way to
his duties, of any kind or nature whatsoever, at any time during his employment
with the Bank (together with any and all works of authorship described in the
following sentence, referred to as "Intellectual Property"). Executive further
agrees that any work of authorship made by Executive for the Bank, or otherwise
related in any way to his duties, shall be deemed a "work made for hire" and
the Bank shall be the sole author of such

<PAGE>

work and the owner of all of the rights comprised in the copyright of such
work. To the extent the Bank is not considered to be the sole author of any
such work notwithstanding this provision, the Executive hereby assigns full and
absolute right, title and interest in and to such works to the Bank and agrees
to take all necessary and or prudent steps to assist the Bank in perfecting its
interests and rights thereto.

          10. NOTICES. Any notice required or permitted to be given under this
Agreement shall be deemed properly given if in writing and if mailed by
registered or certified mail, postage prepaid with return receipt requested, if
to the Executive to the last principal residence of the Executive shown on the
payroll records of the Bank, and in the case of notices to the Bank, to
Cornerstone Bank, 6000 Midlantic Drive, Mount Laurel, New Jersey 08054 Attn:
George W. Matteo, Jr., Chairman, CEO and President.

          11. WAIVER. No provision of this Agreement may be modified, waived,
or discharged unless such waiver, modification, or discharge is agreed to in
writing and signed by the Executive and an executive officer of the Bank
specifically designated by the Board of Directors of the Bank. 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.

          12. CONSTRUCTION OF TERMS. The language of all parts of this
Agreement shall in all cases be construed as a whole, according to its fair
meaning, and not strictly for or against any of the Parties, notwithstanding
any statutory or common law provisions which would suggest otherwise.

          13. ASSIGNMENT. This Agreement shall not be assignable by either
party hereto, except by the Bank to any successor in interest to the business
of the Bank.

          14. ENTIRE AGREEMENT. This Agreement contains the entire agreement of
the parties relating to the subject matter of this Agreement and supersedes any
prior agreement of the parties.

15. SUCCESSORS, BINDING AGREEMENT.

                    (a) The Bank will require any successor (whether direct or
indirect, by purchase, merger, consolidation, or otherwise) to all or
substantially all of the business and/or assets of the Bank to expressly assume
and agree to perform this Agreement in the same manner and to the same extent
that the Bank would be required to perform it if no such succession had taken
place. Failure by the Bank to obtain such assumption and agreement prior to the
effectiveness of any such succession shall constitute a breach of this Agreement
and the provisions of Section 6 hereof shall apply. As used in this Agreement,
"the Bank" shall mean the Bank as hereinbefore defined and any successor to the
respective business and/or assets of the Bank as aforesaid which assumes and
agrees to perform this Agreement by operation of law, or otherwise.

                    (b) This Agreement shall inure to the benefit of and be
enforceable by the Executive's personal or legal representatives, executors,
administrators, heirs, distributees,

<PAGE>

devisees, and legatees, but only to the extent of benefits actually and
specifically conferred by this Agreement to Executive under the applicable
circumstances.

          16. TERMINATION. Any termination of the Executive's employment under
this Agreement or of this Agreement shall not affect the provisions of Sections
6, 7, 8 or 9 hereof which shall survive any such termination and remain in full
force and effect in accordance with their respective terms.

          17. COOPERATION COVENANT. Both during and after the Employment
Period, the Executive shall cooperate fully with the Bank and with any legal
counsel, expert or consultant it may retain to assist it in connection with any
judicial proceeding, arbitration, administrative proceeding, governmental
investigation or inquiry or internal audit in which the Bank or any affiliate
thereof, including the Bank, may be or become involved, including full
disclosure of all relevant information and truthfully testifying on the Bank's
behalf (or, at the request of the Bank, on behalf of such affiliate of the
Bank, including the Bank) in connection with any such proceeding or
investigation.

          18. REPRESENTATION OF EXECUTIVE. As an inducement to entering into
this Agreement, the Executive represents to the Bank that his execution of and
performance under this Agreement will not constitute a violation by him of any
written or other contract, understanding, arrangement, duties or other
obligation pertaining to his performance of personal services, solicitation of
employees or customers, or other conduct on his part contemplated by this
Agreement.

          19. VALIDITY. The invalidity or unenforceability of any provision of
this Agreement shall not affect the validity or enforceability of any other
provision of this Agreement, which shall remain in full force and effect.

          20. APPLICABLE LAW. This Agreement shall be governed by and construed
in accordance with the domestic laws (but not the law of conflict of laws) of
the State of New Jersey.

          21. HEADINGS. The headings of the Sections of this Agreement are for
convenience only and shall not control or affect the meaning or construction or
limit the scope or intent of any of the provisions of this Agreement.

          22. EFFECTIVE DATE; TERMINATION OF PRIOR AGREEMENT. This Agreement
shall become effective immediately, upon the execution and delivery of this
Agreement by the parties hereto. Upon the execution and delivery of this
Agreement by the parties hereto, any prior agreement relating to the subject
matter hereof shall be automatically terminated and be of no further force or
effect.

<PAGE>

          IN WITNESS WHEREOF, the parties have executed this Agreement as of
the date first above written.

                                    CORNERSTONE BANK

                                    By: /s/ George W. Matteo Jr.
                                        ----------------------------------------
                                        GEORGE W. MATTEO, JR.
                                        Chairman, CEO & President

                                    EXECUTIVE: Scott Kintzing

                                        /s/ Scott Kintzing
                                        ----------------------------------------
                                        SCOTT KINTZING

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