Document:

Agreement and General Release

 Exhibit 10.11 
 SEPARATION AGREEMENT AND RELEASE 
 This SEPARATION AGREEMENT AND RELEASE (“Separation
Agreement”) is between BALTIMORE COUNTY SAVINGS BANK, F.S.B., BCSB BANKCORP, INC., BALTIMORE COUNTY SAVINGS BANK, M.H.C., BCSB BANCORP, INC. (sometimes individually or collectively referred to as the “Employers”), and
WILLIAM M. LOUGHRAN (“Executive”). 
 WHEREAS, Executive shall retire from his employment with Employers; 

WHEREAS, Executive and the Employers wish to clarify and amend their respective rights and obligations arising from the retirement of the
Executive; 
 NOW, THEREFORE, in consideration of the mutual promises, benefits and covenants herein contained, the Employers and
Executive hereby agree as follows: 
 1.        Executive shall retire as Executive Vice President of
Baltimore County Savings Bank, F.S.B. (the “Bank”) and as Executive Vice President of BCSB Bankcorp, Inc., effective as of November 16, 2007 (the “Termination Date”). Executive shall remain as a member of the boards of
directors of each of the Employers and shall receive remuneration and benefits for those services in accordance with the policies of each board. 
 2.        The Bank shall make a lump sum payment to Executive on the first business day of January, 2008 (January 2, 2008) of $155,911, less required withholding and deductions, as severance to
Executive in connection with his termination of employment. 
 3.        Executive acknowledges and
agrees that as of November 16, 2007, he shall no longer be entitled to any payments or benefits from the Employers other than those payments and benefits described in Sections 1 and 2 of this Separation Agreement and any payments due him under
(i) the employee stock ownership plan sponsored by the Bank, (ii) the 401(k) plan sponsored by the Bank, (iii) the Baltimore County Savings Bank, F.S.B. Survivor Income Plan effective as of November 1, 2003, (iv) the
Baltimore County Savings Bank Deferred Compensation Plan and (v) the Baltimore County Savings Bank, F.S.B. Supplemental Executive Retirement Agreement entered into by and between Executive and the Bank (such payments being made in accordance
with the terms of said arrangements, as may be modified in form or operation in order to comply with Section 409A of the Internal Revenue Code of 1986, as amended). Executive acknowledges and agrees that the Change in Control Agreement he
originally entered into with the Bank on October 23, 2002 (as later amended), together with any other agreements or understandings (other than the Supplemental Executive Retirement Agreement) with the Employers (whether written or not) shall be
null and void as of November 1, 2007. The parties also acknowledge and agree that this Agreement shall not otherwise alter the terms of any stock options previously granted to Executive that remain outstanding as of his Termination Date.

 4.        In exchange for the consideration set forth in this Separation Agreement and intending
to be legally bound, Executive, and all other persons or entities claiming with, by, or through him, hereby releases and forever discharges the Employers, their predecessors, successors, affiliates, subsidiaries, parents, partners and all of their
present and past directors, officers, agents, employees and attorneys, and all other persons or entities who could be said to be jointly or severally liable with them (individually and collectively the “Releasees”) from any and all
liabilities, claims, actions, causes of action or suits presently asserted or not asserted, accrued or unaccrued, known or unknown, that Executive had, now has, or may have or could claim to have against the Releasees, from the beginning of time to
the date of 

 
execution of this Separation Agreement, including, but not limited to, all claims and rights: (i) in any way arising from or based upon Executive’s
employment or service with the Employers; or (ii) which relate in any way to the cessation of Executive’s employment and other duties with the Employers. Executive also releases the Releasees from any and all liabilities, claims, actions,
causes of action or suits, whether or not presently asserted, and whether accrued or unaccrued, or known or unknown, that Executive had, now has, may have or could claim to have against them, from the beginning of time to the date of execution of
this Agreement, including, but not limited to, all claims and rights in any way arising from or based upon any claims for wrongful discharge, libel, slander, breach of contract, impairment of economic opportunity, intentional infliction of emotional
distress or any other tort, or claims under federal, state, or local constitutions, statutes, regulations, ordinances, or common law, including, without limitation, claims under the Federal Age Discrimination in Employment Act, the Federal Older
Workers Benefit Protection Act, Title VII of Civil Rights Act of 1964, the Americans with Disabilities Act, the Maryland Wage Payment and Collection Law, the Maryland Wage and Hour Law, the Employee Retirement Income Security Act of 1974, the Civil
Rights Acts of 1866, 1871, 1964, and 1991, the Rehabilitation Act of 1973, the Equal Pay Act of 1963, the American with Disabilities Act of 1990, the Family and Medical Leave Act of 1993, and any other statute or law. 
 5.        (a)    Except for Executive’s rights to enforce this Separation Agreement,
Executive covenants, to the maximum extent permitted by law, that he shall not at any time hereafter commence, maintain, prosecute, participate in, or permit to be filed by any other person on his behalf, any action, charge, complaint, suit or
proceeding or any kind, before any court, administrative agency, or other tribunal, against any of the Releasees with respect to any actual or alleged act, omission, transaction, practice, conduct, occurrence or other matter, up to and including the
date of execution of this Separation Agreement by Executive. 
 (b)    Executive further covenants, to the maximum
extent permitted by law, that he shall not at any time hereafter provide information, support or assistance, directly or indirectly, to any individual or organization, in connection with any action, charge, complaint, suit or proceeding of any kind
against the Employers or any of the Releasees. The foregoing covenant shall not preclude Executive from testifying in a proceeding before a court or agency under compulsion of law, provided that Executive complies fully with Section 6 below.

 (c)    Executive agrees to give the Employers or any of the Releasees notice of any and all attempts to compel
disclosure of any information he is prohibited from disclosing by this Section 5. Executive shall provide written notice of an attempt to compel such disclosure as promptly as possible to the Employers or any Releasee, and at least five
(5) days before compliance with any subpoena or order is requested or required. 
 (d)    Executive further
covenants that he will not make to any person or entity any statement, whether written or oral, that directly or indirectly impugns the integrity of, or reflects negatively on, any of the Releasees, or that denigrates, disparages, or results in
detriment to any of the Releasees. The Releasees agree that they will not make to any person or entity any statement, whether written or oral, that directly or indirectly impugns the integrity of, or reflects negatively on Executive, or that
denigrates, disparages, or results in detriment to Executive, except as any Releasee may be obligated to comply with any applicable regulatory requirements. 
 6.        (a)    The existence and terms of this Separation Agreement are and shall be deemed confidential and shall not be disclosed by Executive, or any
party acting on behalf of Executive, to any person or entity, except that Executive may disclose the terms of this Separation Agreement to his spouse, attorney, and tax and financial advisors, who will each be advised of the confidentiality of this
Separation Agreement, and as required by law. Executive shall be responsible for any breach of confidentiality by any person listed above. 
  

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 (b) Except pursuant to an order of a government body or court and as otherwise provided herein, neither
Executive, nor any party or individual acting on his behalf, shall disclose to or discuss with any person or entity any information concerning (i) any matters relating directly or indirectly to his employment by the Employers; (ii) any
matter relating directly or indirectly to this Separation Agreement; or (iii) the termination of Executive’s employment with the Employers. 
 7.        Executive shall make himself available at reasonable times and places to: 
 (a)    fully cooperate and assist with any examination of the Employers conducted by the Office of Thrift Supervision or other regulatory authorities having jurisdiction over Employers, including
attendance at meetings and production of notes and records that may be in Executive’s possession; and 
 (b)    fully cooperate and assist the Employers in any internal investigations or audits. 
 8.        Any breach by Executive of Sections 4 through 7 of this Separation Agreement shall be considered a material breach for which the Employer shall be entitled to seek any remedies to which they
may be entitled by law. 
 9.        Executive acknowledges that he has been given a period of
twenty-one (21) days within which to consider this Separation Agreement. Executive may accept this Separation Agreement at any time within this period of time by signing the Separation Agreement and returning it to the Bank. This Separation
Agreement shall not become effective or enforceable until seven (7) calendar days after Executive signs it. Executive may revoke his acceptance of this Separation Agreement at any time within that seven (7) calendar day period by sending
written notice to the Bank. Such notice must be received by the Bank within the seven (7) calendar day period in order to be effective and, if so received, would void this Separation Agreement for all purposes. 
 10.        If any provision of this Separation Agreement is held to be illegal, void or unenforceable, such
provisions shall have no effect upon, and shall not impair the legality or enforceability of, any other provision of this Separation Agreement. 
 11.        This Separation Agreement is binding upon, and shall inure to the benefit of, the parties and their respective heirs, executors, representatives, successors and assigns. 
 12.        The making of this Separation Agreement is not intended, and shall not be construed, as any admission
that the Employers or any of the Releasees has violated any federal, state, or local law, or has committed any wrong against Executive or any other person or entity. 
 13.        Executive acknowledges and warrants that he is signing this Separation Agreement voluntarily and of his own free will and assents to all of the terms and conditions
contained herein. 
 14.        Executive agrees that to the extent that the Executive becomes
associated with another financial institution, Executive will resign his position as a director of the Bank and the Company, and any other facility related to the Bank or the Company. 
  

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 IN WITNESS WHEREOF, the parties hereto have executed this Separation Agreement this 24th day of
September, 2007. 
  

					
	ATTEST:	 		 	BALTIMORE COUNTY SAVINGS BANK, F.S.B.
			
	/s/  Lorraine Reed	 		 	/s/  Joseph J. Bouffard
		 		 	By:     Joseph J. Bouffard
		 		 	Title:  President & CEO
			
	ATTEST:	 		 	BCSB BANKCORP, INC.
			
	/s/  Lorraine Reed	 		 	/s/  Joseph J. Bouffard
		 		 	By:     Joseph J. Bouffard
		 		 	Title:  President & CEO
			
	ATTEST:	 		 	BALTIMORE COUNTY SAVINGS BANK, M.H.C.
			
	/s/  Lorraine Reed	 		 	/s/  Joseph J. Bouffard
		 		 	By:     Joseph J. Bouffard
		 		 	Title:  President & CEO
			
	ATTEST:	 		 	BCSB BANCORP, INC.
			
	/s/  Lorraine Reed	 		 	/s/  Joseph J. Bouffard
		 		 	By:     Joseph J. Bouffard
		 		 	Title:  President & CEO
			
	WITNESS:	 		 	EXECUTIVE
			
	/s/  Lorraine Reed	 		 	/s/  William M. Loughran
		 		 	WILLIAM M. LOUGHRAN

  

 4Change in Control Severance Agreement

 Exhibit 10.14 
 CHANGE-OF-CONTROL SEVERANCE AGREEMENT 
 THIS
CHANGE-OF-CONTROL SEVERANCE AGREEMENT (the “Agreement”) made this 23rd day of October, 2003 (the “Effective Date”) by and between
Baltimore County Savings Bank, F.S.B. (the “Bank”), and Daniel R. Wernecke (the “Executive”). 
 WHEREAS, the
Executive has heretofore been employed by the Bank as an executive officer, and desires to continue to be so employed; and the Bank desires the continuation of such employment by the Executive; and 
 WHEREAS, the Bank deems it to be in its best interest to provide the Executive with security in the event of a Change of Control (as defined herein), and
thereby to facilitate his retention and insure an orderly transition following a Change of Control: and 
 WHEREAS, the parties desire by the
Agreement to set forth their understanding as to their respective rights and obligations in the event the Executive’s employment terminates or is changed under the circumstances set forth herein, 
 NOW, THEREFORE, it is AGREED as follows: 
 1.     Definitions. For purposes of this Agreement, the following terms have the meaning set forth below: 
 (a)    “Change in Duties” shall mean any one or more of the following: 
 (i)    a significant adverse change in the status, title, position(s), responsibilities, or scope of the Executive’s authorities or duties from those applicable to him immediately prior to the date on which a Change
of Control occurs; 
 (ii)    assignment to the Executive of any duties or responsibilities which are
inconsistent with the Executive’s status, title, or position(s) as in effect immediately prior to the date on which a Change of Control occurs; 
 (iii)    a material reduction in the Executive’s total compensation from that provided to him immediately prior to the date on which a Change of Control occurs: 
 (iv)    a diminution in the Executive’s eligibility to participate in bonus, incentive award, and other
compensation plans which provide opportunities to receive compensation from the opportunities under any such plans in which the Executive was participating immediately prior to the date on which a Change of Control occurs; 
  

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 (v)    a change in the location of the Executive’s principal
place of employment by the Bank or its subsidiaries and affiliates by more than 30 miles from the location where he was principally employed immediately prior to the date on which a Change of Control occurs; or 
 (vi)    a reasonable determination by the Board of Directors of the Bank that, as a result of a Change of Control and
change in circumstances thereafter significantly affecting the Executive’s position, the Executive is unable to exercise the authorities, powers, functions or duties attached to his position immediately prior to the date on which a Change of
Control occurs. 
 (b)    A “Change of Control” shall be deemed to have occurred if: 
 (i)    the acquisition of ownership, holding or power to vote more than 25% of the Bank’s or the Company’s
voting stock; 
 (ii)    the acquisition of the ability to control the election of a majority of the
Bank’s or the Company’s directors; 
 (iii)    the acquisition of a controlling influence over
the management or policies of the Bank or the Company by any person or by persons acting as a “group” (within the meaning of Section 13(d) of the Securities Exchange Act of 1934); or 
 (iv)    during any period of two consecutive years, individuals (the “Continuing Directors”) who at
the beginning of such period constitute the Board of Directors of the Bank or the Company (the “Existing Board”) cease for any reason to constitute at least two-thirds thereof, provided that any individual whose election or nomination for
election as a member of the Existing Board was approved by a vote of at least two-thirds of the Continuing Directors then in office shall be considered a Continuing Director. 
 Notwithstanding the foregoing, in the case of (i), (ii) and (iii) hereof, ownership or control of the Bank by the Company itself shall not
constitute a Change of Control. For purposes of this paragraph only, the term “person” refers to an individual or a corporation, partnership, trust, association, joint venture, pool, syndicate, sole proprietorship, unincorporated
organization or any other form of entity not specifically listed herein. The decision of the Bank’s non-employee directors as to whether or not a Change of Control has occurred shall be conclusive and binding. 
 (c)    “Company” shall mean BCSB Bankcorp, Inc. or any holding company that becomes sole owner of the Bank. 
 (d)    “Covered Period” shall mean a period equal to twelve (12) months before the occurrence of a Change of Control
and eighteen (18) months after the occurrence of a Change of Control. 
  

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 (e)    “Involuntary Termination” shall mean (i) any involuntary
termination, or (ii) a resignation by the Executive within thirty (30) days following any Change in Duties; provided, however, that an Involuntary Termination shall not include either a Termination for Cause, or any termination as a result
of death, disability, or normal retirement on or after attainment of age sixty-five (65) pursuant to a retirement plan in which the Executive was participating prior to any Change of Control. 
 (f)    “Termination for Cause” shall include termination because of the officer or employee’s personal
dishonesty, incompetence, willful misconduct, breach of fiduciary duty involving personal profit, intentional failure to perform stated duties, willful violation of any law, rule, or regulation (other than traffic violations or similar offenses) or
final cease and desist order, or material breach of any provision of this Agreement or any other Agreement between Executive and the Bank. 
 (g)    The term “Bank” refers to the Bank and/or any succession in interest or any assignees or transferees thereof. 
 2.    Term. This Agreement shall remain in effect for the period commencing on the Effective Date and ending on the earlier of (i) the date thirty-six (36) months after the
Effective Date, and (ii) the date on which the Executive voluntarily terminates employment with the Bank. Additionally, on each annual anniversary date from the Effective Date. the term of this Agreement may be extended for an additional one
(1) year period beyond the then effective expiration date provided the Board of Directors of the Bank determines in a duly adopted resolution that the performance of the Executive has met the Board’s requirements and standards, that it is
in the Bank’s best interests to extend this Agreement, and that this Agreement shall be extended. 
 3.    Severance Payment on Change of Control. If there is a Change of Control and if within the Covered Period as defined herein (i) a Change in Duties as defined herein occurs, or (ii) an
Involuntary Termination as defined herein occurs, or (iii) the Executive voluntarily terminates employment for any reason within the 30-day period beginning on the date of a Change of Control, then in that event the Executive shall 

(a)    be paid an amount equal to 2.99 times the annualized cash compensation being paid to the Executive in the immediately
preceding twelve (12) month period (excluding board fees and bonuses), and 
 (b)    receive at the Executive’s
sole and exclusive election either (i) cash in an amount equal to the cost to the Executive of obtaining all health, life, disability and other benefits which the Executive would have been eligible to participate in through the second annual
anniversary date of his termination of employment, based upon the benefit levels substantially equal to those that the Bank provided for the Executive at the date of the Change of Control, or (ii) continued participation in such Bank
benefit plans through the second annual anniversary date of his termination of employment, but only to the extent the Executive continues to qualify for participation therein. 
  

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 4.    Funding of Grantor Trust upon Change of Control. Not later than ten
business days after a Change of Control, the Bank shall (i) deposit in the Bank’s Grantor Trust (the “Trust”) an amount equal to the amount payable under paragraph 3(a), unless the Executive has previously provided a written
release of any claims under this Agreement, and (ii) provide the trustee of the Trust with a written direction to hold said amount and any investment return thereon in a segregated account for the benefit of the Executive, and to follow the
procedures set forth in the next paragraph as to the payment of such amounts from the Trust. Upon the earlier of the Trust’s final payment of all amounts due under the following paragraph or the date 21 months after the Change of Control, the
trustee of the Trust shall pay to the Bank the entire balance remaining in the segregated account maintained for the benefit of the Executive. The Executive shall thereafter have no further interest in the Trust. 
 During the 21-consecutive month period after a Change of Control, the Executive may provide the trustee of the Trust with a written notice requesting
that the trustee pay to the Executive an amount designated in the notice as being payable pursuant to this Agreement. Within three business days after receiving said notice, the trustee of the Trust shall send a copy of the notice to the Bank via
overnight and registered mail return receipt requested. On the tenth (10th) business day after mailing said notice to the Bank, the trustee of the Trust shall pay the Executive the amount designated therein in immediately available funds,
unless prior thereto the Bank provides the trustee with a written notice directing the trustee to withhold such payment. In the latter event, the trustee shall submit the dispute to non-appealable binding arbitration for a determination of the
amount payable to the Executive pursuant to this Agreement, and the costs of such arbitration shall be paid by the Bank. The trustee shall choose the arbitrator to settle the dispute, and such arbitrator shall be bound by the rules of the American
Arbitration Association in making his determination. The parties and the trustee shall be bound by the results of the arbitration and, within three days of the determination by the arbitrator, the trustee shall pay from the Trust the amounts
required to be paid to the Executive and/or the Bank, and in no event shall the trustee be liable to either party for making the payments as determined by the arbitrator. 
  

	5.	Amendment and Termination. 

 (a)    Before a Change of Control. The Bank’s Board of Directors may, in its sole discretion, amend this Agreement without the consent of the Executive at any time prior to a Change of Control; provided, however, no
amendment may be made by the Bank if it operates to reduce the Executive’s rights hereunder, 
 (b)    After a
Change of Control. This Agreement may not be terminated or amended by the Bank or its successor following a Change of Control, unless the Executive consents in writing to be bound thereby. 
  

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 (c)    Termination or Suspension Under Federal Law. Notwithstanding any other
provision of this Agreement to the contrary — 
 (i)    Notwithstanding the foregoing, but only to
the extent required under federal banking law, the benefits payable hereunder to the Executive shall be reduced to the extent that either (A) the present value of such benefits exceeds the limitations set forth in Regulatory Bulletin 27a of the
Office of Thrift Supervision (“OTS”), as in effect on the Effective Date, or (B) such reduction is necessary to avoid subjecting the Bank to loss of any deductions pursuant to Section 280G of the Internal Revenue Code of 1986, as
amended. 
 (ii)    The Executive shall have no right to receive compensation or other benefits for any
period after Termination for Cause. 
 (iii)    If the Executive is removed and/or permanently prohibited
from participating in the conduct of the Bank’s affairs by an order issued under Sections 8(e)(4) or 8(g)(1) of the Federal Deposit Insurance Act (“FDIA”) (12 U.S.C. 1818(e)(4) or (g)(1)), all obligations of the Bank under this
Agreement shall terminate, as of the effective date of the order, but any vested rights of the parties shall not be affected. 
 (iv)    If the Bank is in default (as defined in Section 3(x)(1) of FDIA). all obligations under this Agreement shall terminate as of the date of default: however, this paragraph shall not affect any vested rights
of the parties. 
 (v)    All obligations under this Agreement shall terminate, except to the extent that
continuation of this Agreement is necessary for the continued operation of the Bank: (i) by the Director of OTS, or his or her designee, at the time that the Federal Deposit Insurance Corporation or the Resolution Trust Corporation enters into
an agreement to provide assistance to or on behalf of the Bank under the authority contained in Section 13(c) of FDIA; or (ii) by the Director of OTS, or his or her designee, at the time that the Director of OTS, or his or her designee,
approves a supervisory merger to resolve problems related to operation of the Bank or when the Bank is determined by the Director of OTS to be in an unsafe or unsound condition. Such action shall not affect any vested rights of the parties.

 (vi)    If a notice served under Section 8(e)(3) or (g)(1) of the FDIA (12 U.S.C. 1818(e)(3) and
(g)(1)) suspends and/or temporarily prohibits the Executive from participating in the conduct of the Bank’s affairs, the Bank’s obligations under this Agreement shall be suspended as of the date of such service, unless stayed by
appropriate proceedings. If the charges in the notice are dismissed, the Bank shall: (a) pay the Executive any compensation which was withheld while its contract obligations were suspended; and (b) reinstate any of its remaining
obligations, which were suspended and which are still due to the Executive from the Bank even after the Bank makes the payment to the Executive set forth in subparagraph (a) of this paragraph (c)(vi). 
  

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 (vii)    Any payments made to the Executive pursuant to this
Agreement, or otherwise, are subject to and conditioned upon their compliance with 12 U.S.C. Section 1828(k) and any regulations promulgated thereunder. 
 6.    Administration. Full power and discretionary authority to construe, interpret and administer this Agreement shall be vested in the Board of Directors of the Bank. Decisions of the
Board of Directors of the Bank shall be presumptively final, conclusive and binding on all parties, but shall be subject to paragraph 6 of this Agreement. 
 7.    Attorney Fees. In the event that any dispute arises between the Executive and the Bank as to the terms or interpretation of this Agreement, whether instituted by formal legal
proceedings or otherwise, including any action that the Executive takes to enforce the terms of this Agreement or to defend against any action taken by the Bank, the Executive shall be reimbursed for all costs and expenses, including reasonable
attorneys’ fees, arising from such dispute, proceedings or actions, provided that the Executive shall obtain a final judgement or settlement substantially in his favor in a court of competent jurisdiction or in binding arbitration under the
rules of the American Arbitration Board. Such reimbursement shall be paid within ten (10) days of the Executive’s furnishing to the Bank written evidence, which may be in the form, among other things, of a canceled check or receipt, of any
costs or expenses incurred by the Executive. 
 8.    No Assignment. The Executive’s right to receive
payments or benefits under this Agreement shall not be assignable or transferable whether by pledge, creation of a security interest or otherwise, other than a transfer by will or by the laws of descent or distribution as to compensation due
hereunder to the Executive by the Bank prior to the Executive’s death. In the event of any attempted assignment or transfer contrary to this paragraph 8, the Bank shall have no liability to pay any amount so attempted to be assigned or
transferred. This Agreement shall inure to the benefit of and be enforceable by the Executive’s personal or legal representatives, executors, administrators, successors, heirs, distributees, devisees and legatees, if, and only if, compensation
is due hereunder to the Executive by the Bank prior to the Executive’s death. 
 9.    Successors. This Agreement
shall be binding upon and inure to the benefit of the Bank, its successor and assigns (including, without limitation, any company into or with which the Bank may merge or consolidate). 
 10.    Miscellaneous. 
 (a)    Applicable Law. This contract is entered into under, and shall be governed for all purposes by, the laws of the State of Maryland, except to the extent that federal law controls the matter, and, in that event,
this Agreement shall be governed by federal law applicable to any provisions of this Agreement. 
  

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 (b)    Severability of Provisions. If a court of competent jurisdiction determines
that any provision of this Agreement is invalid or unenforceable, then the invalidity or enforceability of that provision shall not affect the validity or enforceability of any other provision of this Agreement and all other provisions shall remain
in full force and effect, 
 (c)    Withholding of Taxes. The Bank may withhold from any benefits payable under this
Agreement all federal, state, city or other taxes as may be required pursuant to any law, governmental regulation or ruling. 
 (d)    Entire Agreement. This Agreement contains the entire agreement and understanding of the parties with respect to the subject matter hereof and shall not be altered or amended except by a writing executed in the
same manner as the Agreement. 
 IN WITNESS WHEREOF, the parties have caused this Agreement to be executed and delivered as of the day and year specified in
the first paragraph hereof. 
  

									
	ATTEST:	 		 	BALTIMORE COUNTY SAVINGS BANK, F.S.B.
				
	/s/ H. Adrian Cox	 		 	By:	 	/s/ Henry V. Kahl
	 Vice Chairman
	 		 		 	Its Chairman of the Board
			
	WITNESS:	 		 	
				
	 	 		 	By:	 	/s/ Daniel R. Wernecke
		 		 		 	Daniel R. Wernecke

  

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