Document:

Exhibit 10.9 Rosenthal Agreement

		
			EXHIBIT 10.9
		

		
			 
		

		
			AMENDED AND RESTATED COMMISSION AGREEMENT
		

		
			 
		

		
			THIS AMENDED AND RESTATED COMMISSION AGREEMENT (this “Agreement”) is made effective this 14th day of December, 2010 by and among THE TUTTLE AGENCY, INC., a New York corporation (“Tuttle”), SEGUE SEARCH OF NEW JERSEY INC., a New York corporation (“Segue”), TUTTLE AGENCY OF NEW JERSEY, INC., a New Jersey corporation (“Tuttle New Jersey”), TUTTLE SPECIALTY SERVICES INC., a New York corporation (“Tuttle Specialty” and together with Tuttle, Segue and Tuttle New Jersey, each a “Company” and collectively, the “Companies”), ROSENTHAL & ROSENTHAL, INC., a New York corporation (“Rosenthal”), INTEGRATED CONSULTING GROUP, INC., a Delaware corporation (“Integrated”) and TRI-STATE EMPLOYMENT SERVICES, INC., a Nevada corporation (“Tri-State”).
		

		
			 
		

		
			WITNESSETH:
		

		
			 
		

		
			WHEREAS, each Company is a corporation engaged in the temporary and permanent placement of employees primarily in the light industrial industry;
		

		
			 
		

		
			WHEREAS, each Company transferred all of its assets, except for accounts receivable, cash and tax refunds, to Integrated Consulting Group of NY LLC, a New York limited liability company (“Integrated LLC”);
		

		
			 
		

		
			WHEREAS, on October 23, 2009, Integrated LLC and each of the Companies entered into that certain Commission Agreement (the “Original Commission Agreement”), pursuant to which Integrated LLC agreed to pay the Companies a commission on sales generated and collected from the customer accounts transferred to it from the Companies;
		

		
			 
		

		
			WHEREAS, Rosenthal provides financing to the Companies and certain of their respective affiliates pursuant to that certain Loan and Security Agreement, dated as of September 11, 2007 (as amended, supplemented or otherwise modified from time to time in accordance with its terms, the “Rosenthal Loan Agreement”), by and among each of the Companies, as borrowers, certain other borrowers party thereto and Rosenthal, as lender, and such financing is secured by the assets of the Companies and their respective affiliates party to the Rosenthal Loan Agreement and related documents;
		

		
			 
		

		
			WHEREAS, in connection with a foreclosure and asset sale, Integrated LLC shall transfer certain of its assets to Integrated pursuant to that certain Foreclosure and Asset Purchase Agreement, dated as of November 12, 2010, by and among Integrated, Integrated LLC, each of the Companies and certain other parties thereto, as amended by Amendment No. 1 to the Foreclosure and Asset Purchase Agreement, dated December 7, 2010 and as may be further amended or supplemented from time to time (the “Asset Purchase Agreement”);
		

		
			 
		

		
			WHEREAS, Integrated is a corporation organized to conduct business in the temporary and permanent placement of employees in the light industrial industry;
		

		
			 
		

		
			WHEREAS, pursuant to the terms of the Asset Purchase Agreement, Integrated has agreed to assume the obligations and liabilities of Integrated LLC under the Original Commission Agreement, including the payment of a commission based on the sales generated and collected from the customer accounts transferred to it from Integrated LLC;
		

		
			 
		

		
			WHEREAS, as an affiliate of Integrated, Tri-State has agreed to guarantee Integrated’s obligations hereunder, including the payment of the commission; and
		

		
			 
		

		
			   
		

		
			   
		

		
			   
		

		

		

		 

 

		 
		

		
			WHEREAS, as a closing condition to consummate the transfer of assets from Integrated LLC to Integrated pursuant to the Asset Purchase Agreement, each of the Companies, Rosenthal, Integrated and Tri-State have agreed to enter into this Agreement to amend and restate the Original Commission Agreement.
		

		
			 
		

		
			NOW, THEREFORE, in consideration of the mutual promises hereinafter set forth, the parties hereto agree as follows:
		

		
			 
		

		
			1.           Commission Payment.  Integrated hereby agrees to pay a commission on all sales made by Integrated, with such commission to be paid on a weekly basis by no later than the immediately following Wednesday after the end of each calendar week.  The commission shall be 3% until the end of December 14, 2012 and then 2% for the next 36 months on gross sales, less invoice taxes and intermediary service fees (“Net Sales”) actually collected by Integrated; provided that to the extent such commission is not timely paid, such unpaid commission (“Carryover Commissions”) shall be paid, in whole, with the next weekly installment of commissions, but only to the extent that the commission has not already been paid by Tri-State pursuant to Section 2 herein.  To the extent any commissions are not paid by Integrated, Rosenthal shall reasonably exercise its right to collect such unpaid commissions from Tri-State.  All payments of commissions shall be paid directly to Rosenthal via a wire transfer of immediately available funds per the wiring instructions Rosenthal has provided to Integrated or in immediately available funds via another form of payment acceptable to Rosenthal.  All payments received by Rosenthal hereunder shall reduce the obligations under the Rosenthal Loan Agreement.  Integrated hereby further agrees to prepare and deliver to Rosenthal on a weekly basis all data and other supporting information to ascertain the commission amount, and such data and supporting information shall be in form and substance reasonably acceptable to Rosenthal.
		

		
			 
		

		
			2.           Guaranty.
		

		
			 
		

		
			(a)  Tri-State hereby irrevocably and unconditionally guarantees, as a guaranty of payment and performance and not merely as a guaranty of collection, (i) the due and punctual payment when due of any and all of the commission payments due hereunder by Integrated, including, without limitation, the Carryover Commissions, and (ii) the due and punctual payment when due in accordance with the Asset Purchase Agreement of the commission payments outstanding under the Original Commission Agreement and assumed by Integrated pursuant to the Asset Purchase Agreement.  Tri-State acknowledges and agrees that its obligations hereunder are absolute, unconditional and irrevocable, that this is a continuing guarantee of payment, and that this guarantee shall remain in full force and effect and be binding upon Tri-State, and its respective successors and assigns until the indefeasible payment and satisfaction in full of the obligations guaranteed hereby.
		

		
			 
		

		
			(b)  Tri-State hereby waives presentment to, demand of payment from and protest to Integrated of the commission payments and all other monetary obligations of Integrated to Rosenthal under this Agreement and the Asset Purchase Agreement, and also waives notice of acceptance of its guaranty and notice of protest for nonpayment.  The obligations of Tri-State hereunder shall not be affected by the failure of any of the Companies and/or Rosenthal to assert any claim or demand or to enforce any right or remedy against Integrated or Tri-State.
		

		
			 
		

		
			(c)  The obligations of Tri-State hereunder shall not be subject to any limitation, impairment or termination for any reason, including, without limitation, any claim of waiver, release, surrender, alteration or compromise, and shall not be subject to any defense or setoff, counterclaim, recoupment or termination whatsoever by reason of the invalidity, illegality or unenforceability of the commission payments and all other monetary obligations of Integrated or otherwise.  Without limiting the generality of the foregoing, the obligations of Tri-State hereunder shall not be discharged or impaired or otherwise affected by the failure of Rosenthal to assert any claim or demand or to enforce any remedy under this Agreement or the Asset Purchase Agreement, or any guaranty or any other agreement, by any waiver or modification of any provision thereof, by any default, failure or delay, willful or otherwise, in the performance of any obligations, or by any other act or omission which may or might otherwise in any manner or to any extent vary the risk or reduce or extinguish the liability of Tri-State or otherwise operate as a discharge of Tri-State as a matter of law or equity.
		

		
			 
		

		

		

		 

 

		   
		

		
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			(d)  Tri-State hereby waives and releases in favor of Rosenthal all rights of subrogation against or in respect of Integrated and all rights of indemnification, contribution and reimbursement from Integrated and its property, in each case in connection with this guaranty and any payments made hereunder, and regardless of whether such rights arise by operation of law, pursuant to contract or otherwise until such time as the commission payments and all other monetary obligations of Integrated to Rosenthal under this Agreement and the Asset Purchase Agreement have been fully paid.
		

		
			 
		

		
			3.           Choice of Law and Venue.  The parties hereto agree that this Agreement shall be governed by and construed in accordance with the laws of the State of New York.  Any dispute or action pursuant to this Agreement will be subject to the exclusive jurisdiction of either the Federal or State Courts located in the County of New York, State of New York.
		

		
			 
		

		
			4.           Benefits/Assignment.  This Agreement shall inure to the benefit of and be binding upon the parties hereto, and their respective legal representatives, successors and assigns; provided,  however, that no party may assign this Agreement without the prior written consent of the other parties hereto, which consent may not be unreasonably withheld.  This Agreement is intended solely for the benefit of the parties hereto and not intended to, and shall not create any enforceable third-party beneficial rights.
		

		
			 
		

		
			5.           Books and Records.  Each Company and Rosenthal shall have access upon reasonable notice during normal business hours, to examine the books and records of Integrated for the purposes of ascertaining Integrated’s gross sales and Net Sales.
		

		
			 
		

		
			6.           Notice.  Any notice, demand or communication required, permitted, or desired to be given hereunder shall be deemed effective only if it is in writing and delivered personally or sent by certified mail, postage prepaid, or hand delivery, addressed as follows:
		

		
			 
		

		
			If to the Companies:          Todtman, Nachamie, Spizz & Johns, P.C.
		

		
			425 Park Avenue
		

		
			New York, New York 10022
		

		
			Telephone: (212) 754-9400
		

		
			Attention:  Alex Spizz, Esq.
		

		
			 
		

		
			If to Integrated:                  Integrated Consulting Group, Inc.
		

		
			c/o Corporate Resource Services, Inc.
		

		
			160 Broadway, 11th Floor
		

		
			New York, NY  10038
		

		
			Telephone: (212) 346-7960
		

		
			Attention:  Jay Schecter
		

		
			 
		

		
			If to Tri-State:                    Tri-State Employment Services, Inc.
		

		
			c/o Corporate Resource Services, Inc.
		

		
			160 Broadway, 11th Floor
		

		
			New York, NY  10038
		

		
			Telephone: (212) 346-7960
		

		
			Attention:  Jay Schecter
		

		
			 
		

		
			   
		

		
			3
		

		

		

		 

 

		   
		

		
			 
		

		
			If to Rosenthal:                   Rosenthal & Rosenthal, Inc.
		

		
			1370 Broadway
		

		
			New York, NY  10018
		

		
			Attention: James Occhiogrosso
		

		
			 
		

		
			or to such other address as the applicable party may designate by notice to the other parties, and shall be deemed to have been given upon receipt.
		

		
			 
		

		
			7.           Entire Agreement.  This Agreement amends and restates the Original Commission Agreement and supersedes all previous contracts, and constitutes the entire agreement of whatsoever kind or nature existing between or among the parties respecting the within subject matter and no party shall be entitled to benefits other than those specified herein.  As between or among the parties, no oral statements or prior written material not specifically incorporated herein shall be of any force and effect.
		

		
			 
		

		
			8.           Counterparts.  This Agreement may be executed and delivered (including by facsimile transmission or .pdf) in one or more counterparts, and by the parties hereto in separate counterparts, each of which when executed shall be deemed to be an original but all of which taken together shall constitute one and the same agreement.
		

		
			 
		

		
			9.           Amendment.  This Agreement may not be modified, amended, altered or supplemented except upon the execution and delivery of a written agreement executed by all of the parties hereto.
		

		
			 
		

		
			[Signature pages follow]
		

		
			 
		

		
			   
		

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

		
			 
		

			
					
						   

					
					
						The Companies:

				
	
					
						   

					
					
						   

				
	
					
						   

					
					
						THE TUTTLE AGENCY, INC.

				
	
					
						   

					
					
						   

				
	
					
						By:

					
					
						/s/  Eric Goldstein

				
	
					
						   

					
					
						Eric Goldstein, Its President

				
	
					
						   

					
					
						   

				
	
					
						   

					
					
						SEGUE SEARCH OF NEW JERSEY INC.

				
	
					
						   

					
					
						   

				
	
					
						By:

					
					
						/s/  Eric Goldstein

				
	
					
						   

					
					
						Eric Goldstein, Its President

				
	
					
						   

					
					
						   

				
	
					
						   

					
					
						TUTTLE AGENCY OF NEW JERSEY, INC.

				
	
					
						   

					
					
						   

				
	
					
						By:

					
					
						/s/  Eric Goldstein

				
	
					
						   

					
					
						Eric Goldstein, Its President

				
	
					
						   

					
					
						   

				
	
					
						   

					
					
						TUTTLE SPECIALTY SERVICES INC.

				
	
					
						   

					
					
						   

				
	
					
						By:

					
					
						/s/  Eric Goldstein

				
	
					
						   

					
					
						Eric Goldstein, Its President

				

		 

 

		
			 
		

		
			[Amended and Restated Commission Agreement]
		

		
			 
		

		
			   
		

		
			   
		

		
			   
		

		
			 
		

			
					
						   

					
					
						Integrated:

				
	
					
						   

					
					
						   

				
	
					
						   

					
					
						INTEGRATED CONSULTING GROUP, INC.

				
	
					
						   

					
					
						   

				
	
					
						By:

					
					
						/s/  Jay H. Schecter

				
	
					
						   

					
					
						Jay H. Schecter, Its Chief Executive Officer

				
	
					
						   

					
					
						   

				
	
					
						   

					
					
						Tri-State:

				
	
					
						   

					
					
						   

				
	
					
						   

					
					
						TRI-STATE EMPLOYMENT SERVICES, INC.

				
	
					
						   

					
					
						   

				
	
					
						By:

					
					
						/s/  Jay H. Schecter

				
	
					
						   

					
					
						Jay H. Schecter, Its Senior Vice President

				
	
					
						   

					
					
						   

				
	
					
						   

					
					
						Rosenthal:

				
	
					
						   

					
					
						   

				
	
					
						   

					
					
						ROSENTHAL & ROSENTHAL, INC.

				
	
					
						   

					
					
						   

				
	
					
						By:

					
					
						/s/  James J. Occhiogrosso

				
	
					
						   

					
					
						James J. Occhiogrosso, Its Executive Vice President

				

		
			 
		

		
			[Amended and Restated Commission Agreement]form8k_exh101-050613.htm

THE LAPORTE SAVINGS BANK

 

SPLIT DOLLAR AGREEMENT

 

 

THIS AGREEMENT is adopted this 6 day of May 2013, with an effective date of May 6, 2013 (the “Effective Date”) by and between THE LAPORTE SAVINGS BANK, a state-chartered savings bank located in LaPorte, Indiana (the “Bank”), and Daniel P. Carroll (the “Executive”).  This Agreement shall append the Split Dollar Endorsement entered into on even date herewith or as subsequently amended, by and between the aforementioned parties.

 

INTRODUCTION

 

To encourage the Executive to remain an employee of the Bank, the Bank is willing to divide the death proceeds of a life insurance Policy on the Executive’s life.  The Bank will pay life insurance premiums from its general assets.

 

AGREEMENT

 

The Bank and the Executive agree as follows:

 

Article 1

 

General Definitions

 

The following terms shall have the meanings specified:

 

1.1 “Executive’s Interest” means the rights of the Executive or his transferee under the Policies as set forth in section 2.2 of this Agreement.

 

1.2 “Insured” means the Executive.

 

1.3 “Insurer” means each life insurance carrier that has a Split Dollar Policy Endorsement attached to this Agreement.

 

1.4 “Normal Retirement Age” means the Executive’s 65th birthday.

 

1.5 “Policy” means the specific life insurance Policies issued by the Insurer.

 

1.6 “Termination of Employment” means the Executive ceasing to be employed by the Bank for any reason whatsoever, other than by reason of Executive’s death or due to a Bank-approved leave of absence.

 

  

  

  

 

Article 2

 

Policy Ownership/Interests

 

2.1 Bank Ownership.  The Bank is the sole owner of the Policies and shall have the right to exercise all incidents of ownership.  The Bank shall be the beneficiary of the Policies to the extent of each Policy’s cash surrender value, if any, plus any death benefits remaining after applying those amounts explicitly assigned to the Executive’s beneficiary pursuant to Section 2.2 below.

 

2.2 Executive’s Interest.  The Executive shall have the right to designate the beneficiary of an amount of death proceeds (the “Death Benefit”).  If the Executive was employed by the Bank on the date of death, the death benefit shall be Two Times Base Annual Salary in effect at his date of death.  The Executive shall also have the right to elect and change settlement options that may be permitted. However, the Executive, the Executive’s transferee or the Executive’s beneficiary shall have no rights or interests in the Policies with respect to that portion of the death proceeds designated in this section 2.2 upon the Executive’s Termination of Employment.

 

2.3 Option to Purchase.  So long as the Executive’s Interest is in force and has not lapsed, the Bank shall not sell, surrender or transfer ownership of the Policies while this Agreement is in effect without first giving the Executive or the Executive’s transferee the option to purchase the Policies for a period of 60 days from written notice of such intention.  The purchase price shall be an amount determined by the Bank. This provision shall not impair the right of the Bank to terminate this Agreement.

 

Article 3

 

Premiums

 

3.1 Premium Payment.  The Bank shall pay any premiums due on the Policies so long as the Bank chooses to maintain the Policies in force.

 

3.2 Economic Benefit.  The Bank shall determine the economic benefit attributable to the Executive based on the amount of the current term rate for the Executive’s age multiplied by the aggregate death benefit payable to the Executive’s beneficiary.  The “current term rate” is the minimum amount required to be imputed under Internal Revenue Service Notice 2002-8, or any subsequent applicable authority.

 

3.3 Imputed Income.  The Bank shall impute the economic benefit to the Executive on an annual basis.

 

  

  

  

 

Article 4

 

Assignment

 

Except as otherwise provided herein, the Executive may assign without consideration all of the Executive’s interests in the Policies and in this Agreement to any person, entity or trust.  In the event the Executive transfers all of the Executive’s interest in the Policies, then all of the Executive’s interest in the Policies and in the Agreement shall be vested in the Executive’s transferee, who shall be substituted as a party hereunder and the Executive shall have no further interest in the Policies or in this Agreement.

 

Article 5

 

Insurer

 

The Insurers shall be bound only by the terms of the Policies.  Any payments the Insurer makes or actions it takes in accordance with the Policies shall fully discharge it from all claims, suits and demands of all entities or persons.  The Insurer shall not be bound by or be deemed to have notice of the provisions of this Agreement.

 

Article 6

 

Claims and Review Procedures

 

6.1 Claims Procedure.  Any person or entity who has not received benefits under the Plan that he or she believes should be paid (the “claimant”) shall make a claim for such benefits as follows:

 

6.1.1 Initiation – Written Claim.  The claimant initiates a claim by submitting to the Bank’s Human Resource Manager a written claim for the benefits.

 

6.1.2 Timing of Bank Response.  The Bank shall respond to such claimant within 90 days after receiving the claim.  If the Bank determines that special circumstances require additional time for processing the claim, the Bank can extend the response period by an additional 90 days by notifying the claimant in writing, prior to the end of the initial 90-day period, that an additional period is required.  The notice of extension must set forth the special circumstances and the date by which the Bank expects to render its decision.

 

6.1.3 Notice of Decision.  If the Bank denies part or all of the claim, the Bank shall notify the claimant in writing of such denial.  The Bank shall write the notification in a manner calculated to be understood by the claimant.  The notification shall set forth:

 

(a) The specific reasons for the denial,

(b) A reference to the specific provisions of the Plan on which the denial is based,

(c) A description of any additional information or material necessary for the claimant to perfect the claim and an explanation of why it is needed,

  

  

  

(d) An explanation of the Plan’s review procedures and the time limits applicable to such procedures, and

(e) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a) following an adverse benefit determination on review.

6.2 Review Procedure.  If the Bank denies part or all of the claim, the claimant shall have the opportunity for a full and fair review by the Bank of the denial, as follows:

 

6.2.1 Initiation – Written Request.  To initiate the review, the claimant, within 60 days after receiving the Bank’s notice of denial, must file with the Bank’s Human Resource Manager a written request for review.

 

6.2.2 Additional Submissions – Information Access.  The claimant shall then have the opportunity to submit written comments, documents, records and other information relating to the claim.  The Bank shall also provide the claimant, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits.

 

6.2.3 Considerations on Review.  In considering the review, the Bank shall take into account all materials and information the claimant submits relating to the claim, without regard to whether such information was submitted or considered in the initial benefit determination.

 

6.2.4 Timing of Bank Response.  The Bank shall respond in writing to such claimant within 60 days after receiving the request for review.  If the Bank determines that special circumstances require additional time for processing the claim, the Bank can extend the response period by an additional 60 days by notifying the claimant in writing, prior to the end of the initial 60-day period, that an additional period is required.  The notice of extension must set forth the special circumstances and the date by which the Bank expects to render its decision.

 

6.2.5 Notice of Decision.  The Bank shall notify the claimant in writing of its decision on review.  The Bank shall write the notification in a manner calculated to be understood by the claimant.  The notification shall set forth:

 

(a) The specific reasons for the denial,

(b) A reference to the specific provisions of the Plan on which the denial is based,

(c) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant (as defined in applicable ERISA regulations) to the claimant’s claim for benefits, and

(d) A statement of the claimant’s right to bring a civil action under ERISA Section 502(a).

  

  

  

Article 7

 

Amendments and Termination

 

This Agreement may be amended or terminated at any time by the Bank.  If the Bank does amend or terminate this Agreement they must notify the Executive in writing.  Additionally, the Bank may sell, surrender, exchange, or transfer the Policies purchased under this Agreement at anytime.  If the Bank decides to sell, surrender, transfer, or exchange the Policies while this Agreement is in effect, the Bank will first give the Executive or the Executive’s transferee the option to purchase the Policies for a period of 60 days from written notice of such intention.  The purchase price shall be an amount determined by the Bank.  However, unless otherwise agreed to by the Bank and the Executive, this Agreement will automatically terminate upon the Executive’s Termination of Employment.

 

Article 8

 

Miscellaneous

 

8.1 Binding Effect.  This Agreement shall bind the Executive and the Bank and their beneficiaries, survivors, executors, administrators and transferees, and any Policy beneficiary.

 

8.2 No Guarantee of Employment.  This Agreement is not an employment Policy or contract.  It does not give the Executive the right to remain an employee of the Bank, nor does it interfere with the Bank’s right to discharge the Executive.  It also does not require the Executive to remain an employee nor interfere with the Executive’s right to terminate employment at any time.

 

8.3 Applicable Law.  The Agreement is intended to satisfy the requirements of 29 C.F.R. Section 2520.104-24 and shall be administered in accordance therewith.  The Agreement and all rights hereunder shall be governed by and construed according to the laws of the State of Indiana, except to the extent preempted by the laws of the United States of America.

 

8.4 Reorganization.  The Bank shall not merge or consolidate into or with another company, or reorganize, or sell substantially all of its assets to another company, firm or person unless such succeeding or continuing company, firm or person agrees to assume and discharge the obligations of the Bank.

 

8.5 Notice.  Any notice, consent or demand required or permitted to be given under the provisions of this Split Dollar Agreement by one party to another shall be in writing, shall be signed by the party giving or making the same, and may be given either by delivering the same to such other party personally, or by mailing the same, by United States certified mail, postage prepaid, to such party, addressed to his or her last known address as shown on the records of the Bank.  The date of such mailing shall be deemed the date of such mailed notice, consent or demand.

 

8.6 Entire Agreement.  This Agreement constitutes the entire agreement between the Bank and the Executive as to the subject matter hereof.  No rights are granted to the Executive by virtue of this Agreement other than those specifically set forth herein.

 

  

  

  

8.7 Administration.  The Compensation Committee of the Bank’s Board of Trustees shall have all powers which are necessary to administer this Agreement, including but not limited to:

 

(a) Interpreting the provisions of this Agreement, in its sole discretion;

(b) Establishing and revising the method of accounting for this Agreement;

(c) Maintaining a record of benefit payments; and

(d) Establishing rules and prescribing any forms necessary or desirable to administer this Agreement.

8.8 Named Fiduciary.  The Bank shall be the named fiduciary and plan administrator under the Agreement.  The named fiduciary may delegate to others certain aspects of the management and operation responsibilities of the plan including the employment of advisors and the delegation of ministerial duties to qualified individuals.

 

IN WITNESS WHEREOF, the parties have executed this Agreement the day and year first above written.

 

	
EXECUTIVE:

	
BANK:

	  	  
	  	
THE LAPORTE SAVINGS BANK

	  	  
	/s/ Daniel P. Carroll	
By  /s/ Michele M. Thompson

	
Daniel P. Carroll

	
Title President

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