Document:

Amended and Restated Loan Note

 Exhibit 10.6 
 AMENDED AND RESTATED LOAN NOTE 
  

	 $9,000,000 
	 May 26, 2010 

 Hartford, Connecticut 
 This Amended and Restated Loan Note (the “Note”)
amends, restates and supersedes in its entirety, the Revolving Loan Note, made by Savings Bank of Maine Bancorp (“Bancorp”) to Bankers’ Bank Northeast (“Lender”), dated September 16, 2008. The undersigned SBM Financial,
Inc., a Maryland corporation (“Borrower”) is the successor by merger to BANCORP. Borrower owns all of the issued and outstanding stock of Savings Bank of Maine (“Bank”). 

For value received, the Borrower promises to pay to the order of BANKERS’ BANK NORTHEAST (the “Lender”), at its
office at 300 Winding Brook Drive, Glastonbury, Connecticut 06033, or at such other place as Lender may designate, the principal amount of NINE MILLION DOLLARS ($9,000,000), together with interest at the rate or rates set forth below on
the unpaid balance of this Note, which interest shall be computed monthly in arrears on the basis of a 360-day year and actual days elapsed, and together with all reasonable costs and expenses, including attorneys’ fees, incurred in the
collection of this Note, or to enforce the Amended and Restated Loan and Pledge Agreement, of even date herewith, between the Borrower and the Lender (the “Amended and Restated Loan Agreement”). 

This Note is issued pursuant to the Amended and Restated Loan Agreement, the terms of which are incorporated herein by reference.

 Interest shall accrue on the unpaid balance of this Note, beginning as of the date hereof, at the rate of five
percent (5%) per annum. 
 Interest on the outstanding principal amount of this Note shall be paid in arrears beginning on
September 1, 2010 and continuing on the first day of each March 1st, June 1st, September 1st, and December 1st thereafter, until the principal balance with accrued interest thereon is paid in full. The first eight (8)
quarterly interest payments shall be made from an interest reserve account in the amount of $900,000 established with Lender by Borrower on the date hereof, provided that such account is covered by FDIC insurance. 

Principal of this Note shall be payable as follows: (a) three (3) annual installments of Five Hundred Thousand Dollars
($500,000) each shall be payable on May 1, 2014, May 1, 2015 and May 1, 2016 and (b) one final payment of $7,500,000 of principal shall be payable on May 1, 2017 (“Maturity Date”). 

The above payments of principal and interest to be made by Borrower to Lender shall have priority over any other obligations of Borrower
due and owing at the time the above payments of principal and interest are due and payable. 
 Notwithstanding the foregoing,
Lender acknowledges that the only sources of funds that Borrower has for payment of interest on, and principal of, this Note (other than the interest reserve account) are available cash of the Borrower (“Available Funds”) and dividend
distributions payable by the Bank to Borrower. Lender agrees that if on any interest or principal payment date, except the Maturity Date, Available Funds together with any dividend 

 
distributions payable at that date are insufficient to satisfy the payment (before payment of any other obligations) and, despite Borrower’s best efforts to the contrary, any regulator of
the Bank, such as the Office of Thrift Supervision or any successor federal regulatory agency with jurisdiction over the Borrower, forbids or restricts the payment of such distributions so that Borrower does not have sufficient funds to make all or
part of the interest and principal payment due to Lender on that date the Borrower shall not be required to pay the interest or principal amount due on that date to the extent it does not have sufficient funds (the unpaid amount is referred to
herein as the “Shortfall Amount”). The Shortfall Amount shall be deferred until the next subsequent interest or principal payment date when sufficient funds are available to cover the Shortfall Amount or to the Maturity Date. Interest
shall continue to accrue and be payable on any such deferred Shortfall Amounts which constitute principal. No interest shall accrue on the interest component of Shortfall Amounts. Notwithstanding the above, in the interest of clarity, should the
Borrower have Available Funds together with any dividend distributions payable on any interest or principal payment date and pay other creditors of Borrower so as to result in a Shortfall Amount, such action will constitute an Event of Default under
and as defined in the Amended and Restated Loan Agreement. 
 The Borrower may prepay this Note in whole or in part at any time
without penalty or premium. Any prepayments shall be applied to the unpaid principal of this Note in the inverse order of maturity, and shall not affect Borrower’s obligation to pay the regular installments required hereunder until the entire
indebtedness has been paid. 
 All payments under this Note shall be applied first to costs and expenses, then to interest, then
to principal. 
 Upon the occurrence and during the continuance of: (i) an Event of Default under and as defined in the
Amended and Restated Loan Agreement, (ii) the sale of all or substantially all of the assets or stock, or majority control, of either the Borrower or Bank to a third party, or (iii) the substantial liquidation by Borrower’s Yorkshire
Management Group (as defined in the Amended and Restated Loan Agreement) of its equity interest in Borrower, the Lender shall have the right to declare the entire indebtedness, with accrued interest thereon, due under this Note, immediately due and
payable upon written notice to Borrower. 
 Within ninety (90) days of the completion of an Initial Public Offering
(“IPO”) or Private Placement (“PP”) of Borrower, Borrower shall commence making annual principal payments in the amount of $500,000 to Lender, which payments shall be in addition to any payments of principal and/or interest due
to Lender under this Note. Additionally, twenty percent (20%) of the net proceeds of the IPO or PP received by Borrower or Borrower’s management for the sale of its/their stock of Borrower shall be paid immediately to Lender against any
outstanding principal remaining under the Note, which payment shall be in addition to any payments of principal and/or interest due to Lender under this Note. 
 No delay or omission by Lender in exercising any right hereunder, nor failure by Lender to insist upon the strict performance of any terms herein, shall operate as a waiver of such right, any other right
hereunder, or any terms herein. No waiver of any right shall be effective unless in writing and signed by Lender, nor shall a waiver on one occasion be constituted as a bar to, or waiver of, any such right on any future occasion. 

 THIS NOTE HAS BEEN DELIVERED AT AND SHALL BE DEEMED TO HAVE BEEN MADE IN HARTFORD,
CONNECTICUT. THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF CONNECTICUT. AS PART OF THE CONSIDERATION FOR NEW VALUE RECEIVED, AND REGARDLESS OF ANY PRESENT OR FUTURE DOMICILE OR PRINCIPAL PLACE OF
BUSINESS OF BORROWER OR LENDER, BORROWER HEREBY CONSENTS AND AGREES THAT THE CONNECTICUT SUPERIOR COURT FOR THE JUDICIAL DISTRICT OF HARTFORD, OR, AT LENDER’S OPTION, THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF CONNECTICUT, HARTFORD
DIVISION, SHALL HAVE EXCLUSIVE JURISDICTION TO HEAR AND DETERMINE ANY CLAIMS OR DISPUTES BETWEEN BORROWER AND LENDER PERTAINING TO THIS NOTE OR TO ANY MATTER ARISING OUT OF OR RELATED TO THIS NOTE. BORROWER EXPRESSLY SUBMITS AND CONSENTS IN ADVANCE
TO SUCH JURISDICTION IN ANY ACTION OR SUIT COMMENCED IN ANY SUCH COURT, AND BORROWER HEREBY WAIVES ANY OBJECTION WHICH BORROWER MAY HAVE BASED UPON LACK OF PERSONAL JURISDICTION, IMPROPER VENUE OR FORUM NON CONVENIENS AND HEREBY
CONSENTS TO THE GRANTING OF SUCH LEGAL OR EQUITABLE RELIEF AS IS DEEMED APPROPRIATE BY SUCH COURT. BORROWER HEREBY WAIVES PERSONAL SERVICE OF THE SUMMONS, COMPLAINT AND OTHER PROCESS ISSUED IN ANY SUCH ACTION OR SUIT AND AGREES THAT SERVICE OF SUCH
SUMMONS, COMPLAINT AND OTHER PROCESS MAY BE MADE BY REGISTERED OR CERTIFIED MAIL ADDRESSED TO BORROWER AT THE ADDRESS SET FORTH IN THE LOAN AGREEMENT AND THAT SERVICE SO MADE SHALL BE DEEMED COMPLETED UPON THE EARLIER OF BORROWERS ACTUAL RECEIPT
THEREOF OR 3 DAYS AFTER DEPOSIT IN THE U.S. MAILS, PROPER POSTAGE PREPAID. NOTHING IN THIS NOTE SHALL BE DEEMED OR OPERATE TO AFFECT THE RIGHT OF LENDER TO SERVE LEGAL PROCESS IN ANY OTHER MANNER PERMITTED BY LAW, OR TO PRECLUDE THE ENFORCEMENT BY
LENDER OF ANY JUDGMENT OR ORDER OBTAINED IN SUCH FORUM OR THE TAKING OF ANY ACTION UNDER THIS NOTE TO ENFORCE SAME IN ANY OTHER APPROPRIATE FORUM OR JURISDICTION. 
 BORROWER WAIVES (i) THE RIGHT TO TRIAL BY JURY (WHICH LENDER HEREBY ALSO WAIVES) IN ANY ACTION, SUIT, PROCEEDING OR COUNTERCLAIM OF ANY KIND ARISING OUT OF OR RELATED TO THIS NOTE; AND
(ii) NOTICE OF ACCEPTANCE HEREOF. BORROWER ACKNOWLEDGES THAT THE FOREGOING WAIVERS ARE A MATERIAL INDUCEMENT TO LENDER’S ENTERING INTO THE AMENDED AND RESTATED LOAN AGREEMENT AND THAT LENDER IS RELYING UPON THE FOREGOING WAIVERS IN ITS
FUTURE DEALINGS WITH BORROWER. BORROWER WARRANTS AND REPRESENTS THAT IT HAS REVIEWED THE FOREGOING WAIVERS WITH ITS LEGAL COUNSEL AND HAS KNOWINGLY AND VOLUNTARILY WAIVED ITS JURY TRIAL RIGHTS FOLLOWING CONSULTATION WITH LEGAL COUNSEL. IN THE EVENT
OF LITIGATION, THIS 

 
AGREEMENT MAY BE FILED AS A WRITTEN CONSENT TO A TRIAL BY THE COURT. 

 This Note shall be governed by and construed in accordance with the laws of the State of
Connecticut. 
  

					
	SBM FINANCIAL, INC.
		
	By:	 	 /s/ John W. Everets

		 	     Name:	 	John W. Everets
		 	     Its:	 	Chairman and Chief Executive OfficerEmployment Agreement with John W. Everets

 Exhibit 10.7 
 EMPLOYMENT AGREEMENT 
 THIS AGREEMENT is made and
entered into, effective as of the 26th day of May, 2010,
by and between Savings Bank of Maine, a federal savings bank (the “Bank”), and John W. Everets, a resident of Boston, Massachusetts (“Executive”). 
 W I T N E S S E T H : 
 WHEREAS, the Bank is a federal savings bank
located in Gardiner, Maine; and 
 WHEREAS, the Bank wishes to retain Executive as Chairman and Chief Executive Officer
(“CEO”) of the Bank; and 
 WHEREAS, the Bank and Executive are willing to enter into this Employment Agreement
(“Agreement”) on the terms herein set forth; 
 NOW, THEREFORE, in consideration of the promises and the mutual
covenants herein contained, the parties hereto, intending to be legally bound, do hereby mutually covenant and agree as follows: 
 1. Definitions. For purposes of this Agreement, the following terms shall have the following meanings: 
 (a) “Cause” shall mean termination of Executive’s employment on account of, but not limited to, the following reasons: 

(i) Personal dishonesty; 
 (ii) Incompetence; 
 (iii) Willful misconduct; 

(iv) Breach of fiduciary duty involving personal profit; 
 (v) Intentional failure to perform stated duties; 
 (vi) Willful violation of any
law, rule or regulation (other than traffic violations or similar offenses) or final cease-and-desist order; or 
 (vii)
Material breach of any provision of this Agreement. 
 2. Employment and Term. Bank hereby agrees to
employ Executive as Chairman and CEO, subject to receipt of all required approvals of the Office of Thrift Supervision (the “OTS”), and Executive accepts said employment and agrees to serve in such capacity upon the terms and conditions
hereinafter set forth. The term of this Agreement (the “Term”) shall be one year. 

 3. Duties of Employment. 

(a) Executive shall serve as Chairman and CEO of the Bank, such service to be subject to the terms of this Employment Agreement and the
direction and control of the Board of Directors of the Bank. 
 (b) Executive will serve the Bank faithfully, diligently and
competently and will devote full-time to his employment and may hold, in addition to the office of Chairman and CEO of the Bank, such other executive offices of the Bank, or its subsidiaries and affiliates, to which he may be elected, appointed or
assigned by the Board of Directors of the Bank from time to time and will discharge such executive duties in connection therewith. 
 (c) Nothing in this Agreement shall preclude Executive, with the prior approval of the Board of Directors of the Bank, from devoting reasonable periods of time required for (i) serving as a director
or member of a committee of any organization involving no conflict of interest with the Bank, or (ii) engaging in charitable, religious and community activities, provided, that such directorships, memberships or activities do not materially
interfere with the performance of his duties hereunder. 
 4. Compensation. The Bank shall pay to
Executive as compensation for the services to be rendered by him hereunder the following: 
 (a) A base salary at the rate of
$295,000 per year, or such larger sum as the Board of Directors of the Bank may from time to time determine in connection with regular periodic performance reviews pursuant to the Bank’s policies and practices, with payments to be made no less
frequently than monthly. 
 (c) In addition, at the end of the first calendar year of operations of the Bank, Executive may be
entitled to an annual bonus of up to 100% of base salary, payable in cash or other form of compensation, in an amount and form set by the Board of Directors of the Bank. The Board of Directors of the Bank may establish one or more individual or
corporate goals, the achievement of which may be made a condition to the payment of the foregoing bonus to Executive. Such goals shall be communicated to Executive and shall be stated to be a condition to payment of said bonus. 

5. Benefits. Executive shall be entitled to the following benefits: 

(a) Health and medical insurance comparable to coverage provided for executive employees of the Bank generally in compliance with such
plans or practices in effect at the Bank. 
 (b) The Bank’s to be formed stock holding company will establish an equity
incentive plan (“Equity Incentive Plan”), subject to approval by the OTS and the shareholders of the holding company, in which Executive shall be entitled to participate in accordance with the terms thereof, as may be in effect from time
to time. Executive shall be granted an incentive award of 5,000 restricted stock units of holding company common stock and 10,000 options to purchase holding company common stock at the offering price for such stock in the private placement closed
on or about the date of this Agreement, such restricted stock units to vest fifty 

  
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percent (50%) eighteen (18) months after the date of grant and fifty percent (50%) thirty-six (36) months after the date of grant and such stock options to vest ratably over
three years, and in each case as may be required by OTS. 
 (c) Participation in the Bank’s pension plan, in accordance
with the terms thereof, as may be in effect from time to time. 
 (d) An annual automobile allowance of $18,000. 

(e) Reimbursement of all travel and other reasonable business expenses incident to the rendering of services by Executive hereunder
subject to the submission of appropriate vouchers and receipts in accordance with the Bank’s policy from time to time in effect. 
 6. Termination. This Agreement shall end upon the occurrence of any of the following events: 
 (a) Termination of Executive’s employment by the Bank. 
 (b) The voluntary
termination of Executive’s employment by Executive. 
 (c) The death or disability of Executive. If this Agreement is
terminated by reason of the disability of Executive, the Bank shall give written notice to that effect to Executive in the manner provided in Paragraph 15 herein. 
 7. Payment Upon Termination. 
 (a) If Executive’s
employment is terminated by the Bank for any reason, with or without Cause, the obligations of the Bank under this Agreement shall cease and Executive shall forfeit all right to receive any compensation or other benefits under this Agreement except
only salary and reimbursable expenses accrued through the date of such termination. 
 (b) If Executive shall voluntarily
terminate his employment during the Term, or shall die, the obligations of the Bank under this Agreement shall cease and Executive shall forfeit all right to receive any compensation or other benefits under this Agreement except only salary and
reimbursable expenses accrued through the date of such termination. 
 (c) If Executive’s employment is terminated by
reason of disability, then Executive shall receive any disability benefits under any long-term disability plan maintained by the Bank. 
 8. Confidential Information. Executive understands that in the course of his employment by the Bank, Executive will receive or have access to confidential information
concerning the business of the Bank and which the Bank desires to protect. Such confidential information shall be deemed to include, but not be limited to, the Bank’s customer and prospective customer lists, loan lists and information, and
employee lists, including, if known, personnel information and data. Executive agrees that, unless as otherwise may be required by law, he will not at any time during the period ending one year after termination of the Agreement 

  
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reveal to anyone outside the Bank or use for his own benefit any such information without specific written authorization by the Bank. Executive further agrees not to use any such confidential
information or trade secrets in competing with Bank at any time during or in the one year period immediately following termination of employment with Bank. 
 9. Covenants by Executive Not to Compete With the Bank. 
 (a) Upon termination of Executive’s employment with the Bank for any reason, Executive covenants and agrees that he will not at any time during the period of one year from and after such termination
directly or indirectly in any manner or under any circumstances or conditions whatsoever be or become interested, as an individual, partner, principal, agent, clerk, employee, stockholder, officer, director, trustee, or in any other capacity
whatsoever, except as a nominal owner of stock of a public corporation, in any other business in any county in any state in which the Bank maintains a main office or a branch office that competes with the business of the Bank as it exists at the
time of Executive’s termination, or engage or participate in, directly or indirectly (whether as an officer, director, employee, partner, consultant, holder of an equity or debt investment, lender or in any other manner or capacity), or lend
his name (or any part or variant thereof) to, any business in any such county that is, or as a result of the Executive’s engagement or participation would become, competitive with any aspect of the business of the Bank as it exists at the time
of Executive’s termination or solicit any officer, director, employee or agent of the Bank or any subsidiary or affiliate of the Bank to become an officer, director, employee or agent of Executive, his affiliates or anyone else; ownership, in
the aggregate, of less than five percent (5%) of the outstanding shares of capital stock of any corporation shall not constitute a violation of the foregoing provision. 
 (b) Executive hereby acknowledges that his services are unique and extraordinary, and are not readily replaceable, and hereby expressly agrees that the Bank, in enforcing the covenants contained in
Paragraphs 8 and 9 herein, in addition to any other remedies provided for herein or otherwise available at law, shall be entitled in any court of equity having jurisdiction to an injunction restraining him in the event of a breach, actual or
threatened, of the agreements and covenants contained in these Paragraphs without any requirement to post a bond or other surety. 
 (c) The parties hereto believe that the restrictive covenants of these Paragraphs are reasonable. However, if at any time it shall be determined by any court of competent jurisdiction that these
Paragraphs or any portion of them as written, are unenforceable because the restrictions are unreasonable, the parties hereto agree that such portions as shall have been determined to be unreasonably restrictive shall thereupon be deemed so amended
as to make such restrictions reasonable in the determination of such court, and the said covenants, as so modified, shall be enforceable between the parties to the same extent as if such amendments had been made prior to the date of any alleged
breach of said covenants. 
 10. No Obligation to Mitigate. So long as Executive shall not be in
breach of any provision of Paragraph 8 or 9, Executive shall have no duty to mitigate damages in the event of a termination and if he voluntarily obtains other employment (including self-employment), any compensation or profits received or
accrued, directly or indirectly, from such other employment shall not reduce or otherwise affect the obligations of the Bank to make payments hereunder. 

  
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 11. Resignation. In the event that Executive’s services
hereunder are terminated under any of the provisions of this Agreement (except by death), Executive agrees that he will deliver his written resignation as a Director of the Bank, and any of its subsidiaries or affiliates, to the Board of Directors,
such resignation to become effective immediately or, at the option of the Board of Directors, on a later date as specified by the Board. 
 12. Insurance. The Bank shall have the right at its own cost and expense to apply for and to secure in its own name, or otherwise, life, health or accident insurance or any or
all of them covering Executive, and Executive agrees to submit to the usual and customary medical examination and otherwise to cooperate with the Bank in connection with the procurement of any such insurance, and any claims thereunder. 

13. Regulatory Limitations. In the event any of the provisions of this Agreement conflict with the terms of
this Paragraph 13, this Paragraph 13 shall prevail. 
 (a) The Bank may terminate Executive’s employment at any
time. Executive shall not have the right to receive compensation or other benefits for any period after termination. 
 (b) If
Executive is suspended from office and/or temporarily prohibited from participating in the conduct of the Bank’s affairs by a notice served under Section 8(e)(3) or 8(g)(1) of the Federal Deposit Insurance Act, 12 U.S.C.
Section 1818(e)(3) or (g)(1), the Bank’s obligations under this Agreement shall be suspended as of the date of service, unless stayed by appropriate proceedings. If the charges in the notice are dismissed, the Bank may, in its discretion:
(i) pay Executive all or part of the compensation withheld while its contract obligations were suspended; and (ii) reinstate (in whole or in part) any of the obligations which were suspended. 

(c) If Executive is removed and/or permanently prohibited from participating in the conduct of the Bank’s affairs by an order issued
under Section 8(e)(4) or 8(g)(1) of the Federal Deposit Insurance Act, 12 U.S.C. Section 1818(e)(4) or (g)(1), all obligations of the Bank under this Agreement shall terminate as of the effective date of the order, but vested rights
of the contracting parties shall not be affected. 
 (d) If the Bank is in default as defined in Section 3(x)(1) of the
Federal Deposit Insurance Act, 12 U.S.C. Section 1813(x)(1), all obligations under this Agreement shall terminate as of the date of default, but this provision shall not affect any vested rights of the contracting parties. 

(e) All obligations under this Agreement shall terminate, except to the extent determined that continuation of the contract is necessary
for the continued operation of the institution: (i) by the Director of the OTS (or his designee) at the time the FDIC enters into an agreement to provide assistance to or on behalf of the Bank under the authority contained in Section 13(c)
of the Federal Deposit Insurance Act, 12 U.S.C. Section 1823(c), or (ii) by the Director of the OTS (or his or her designee) at the time the Director (or his or her designee) approves a supervisory merger to resolve problems related
to the operations of the Bank or when 

  
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the Bank is determined by the Director 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. 

(f) Any payments made to Executive pursuant to this Agreement, or otherwise, are subject to and conditioned upon their compliance with
12 U.S.C. Section 1828(k) and FDIC Regulation 12 C.F.R. Part 359, Golden Parachute and Indemnification Payments. 

14. Notices. All notices under this Agreement shall be in writing and shall be deemed effective when
delivered in person to Executive or to the Secretary of the Bank, or if mailed, postage prepaid, registered or certified mail, addressed, in the case of Executive, to his last known address, and, in the case of the Bank, to its headquarters,
attention of the Secretary, or to such other address as the party to be notified may specify by notice to the other party. Executive hereby agrees to give the Bank not less than sixty days’ advance notice of his intended resignation or other
termination from the Bank. 
 15. Successors and Assigns. The rights and obligations of me Bank
under this Agreement shall inure to the benefit of and shall be binding upon the successors and assigns of the Bank, including, without limitation, any institution, individual or other person or entity which may acquire all or substantially all of
the assets and business of the Bank, or with or into which the Bank may be consolidated or merged or any surviving entity in any merger involving the Bank. All references in this Agreement to the Bank shall be deemed to include all such successors
and assigns. 
 16. Arbitration. Any dispute which may arise between the parties hereto may, if both
parties agree, be submitted to binding arbitration in Gardiner, Maine in accordance with the Rules of the American Arbitration Association; provided that any such dispute shall first be submitted to the Bank’s Board of Directors in an effort to
resolve such dispute without resort to arbitration. 
 17. Severability. If any of the terms or
conditions of this Agreement shall be declared void or unenforceable by any court or administrative body of competent jurisdiction, such term or condition shall be deemed severable from the remainder of this Agreement, and the other terms and
conditions of this Agreement shall continue to be valid and enforceable. 
 18. Amendment. This
Agreement may be modified or amended only by an instrument in writing executed by the parties hereto. 
 19.
Construction. This Agreement shall supersede and replace all prior agreements and understandings between the parties hereto on the subject matter covered hereby. This Agreement shall be governed and construed under the laws of
the State of Maine. Paragraph headings are for convenience only and shall not be considered a part of the terms and provisions of the Agreement. 

  
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 IN WITNESS WHEREOF, the Bank has caused this Agreement to be executed by a duly
authorized representative, and Executive has hereunto set his hand, effective this 26th day of May, 2010. 
  

					
	SAVINGS BANK OF MAINE
		
	By	 	 /s/ Dennis Carolin

		 	    Name:	 	Dennis Carolin
		 	    Title:	 	Chief Financial Officer
	
	EXECUTIVE
	
	 /s/ John W. Everets

	John W. Everets

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