Document:

Form of Global Note

 Exhibit 4(c) 
  
 Form of Global Note 
  
 This Note is a global security and is registered in the name of CEDE & CO., as nominee of the Depositary, The Depository Trust Company. Unless and
until this Note is exchanged for Notes in definitive form, this Note may not be transferred except as a whole by the Depositary or a nominee of the Depositary to the Depositary or another depositary or by the Depositary or any such nominee to a
successor depositary or a nominee of such successor depositary. 
  
 Unless this Note is presented by an authorized representative of The Depository Trust Company, a New York corporation (“DTC”), to the issuer or its agent for registration of transfer, exchange or payment, and any certificate
issued is registered in the name of Cede & Co. or in such other name as is requested by an authorized representative of DTC (and any payment is made to Cede & Co. or to such other entity as is requested by an authorized representative of
DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL inasmuch as the registered owner hereof, Cede & Co., has an interest herein. 
  
 WAL-MART STORES, INC. 
  
 4.75% NOTES DUE 2010 
  

							
	 Number A-
	 	 	 	 	 	 CUSIP No.: 931142 CA 9

	 $        ,000,000
	 	 	 	 	 	 ISIN No.: US931142CA92

	 	 	 	 	 	 	 Common Code: 022740725

  
 WAL-MART STORES, INC.,
a corporation duly organized and existing under the laws of the State of Delaware, and any successor corporation pursuant to the Indenture (herein referred to as the “Company”), for value received, hereby promises to pay to CEDE & CO.
or registered assigns, the principal sum of              MILLION DOLLARS on August 15, 2010 in such coin or currency of the United States of America as at the time of payment shall be legal
tender for the payment of public and private debts, and to pay interest, computed on the basis of a 360-day year of twelve 30-day months, semi-annually in arrears on February 15 and August 15 of each year, or if any such day is not a Business Day,
on the next succeeding Business Day, except that if such Business Day is in the next succeeding calendar month, such interest payment shall be made on the Business Day immediately preceding such day (each, an “Interest Payment Date”),
commencing on February 15, 2006, on said principal sum in like coin or currency, at the rate per annum specified in the title of this Note from August 15, 2005 or from the most recent February 15 or August 15 to which interest has been paid or duly
provided for. The interest so payable, and punctually paid or duly provided for, on any Interest Payment Date will be paid to the person in whose name this Note is registered (the “holder”) at the close of business on the preceding
February 1, in the case of an Interest Payment Date of February 15, and on the preceding August 1, in the case of an Interest Payment Date of August 15 (each, a “Record Date”). 
  
 Reference is made to the further provisions of this Note set forth on the succeeding sections hereof. Such further
provisions shall for all purposes have the same effect as though fully set forth at this place. 

 This Note shall not be valid or become obligatory for any purpose until the certificate of authentication
hereon shall have been signed by the Trustee under the Indenture referred to in Section 1 hereof. 
  
 IN WITNESS WHEREOF, the Company has caused this instrument to be signed by its Chairman of the Board, its Vice Chairman, its President or one of its Vice
Presidents by manual or facsimile signature under its corporate seal, attested by its Secretary, one of its Assistant Secretaries, its Treasurer or one of its Assistant Treasurers by manual or facsimile signature. 
  

					
	 	 	WAL-MART STORES, INC.
			
	 	 	By:	 	  

	 	 	Name:	 	 
	 	 	Title:	 	 
			
	[SEAL]	 	Attest:	 	  

	 	 	Name:	 	 
	 	 	Title:	 	 

  
 Dated: August 15, 2005 
  
 TRUSTEE’S CERTIFICATE OF AUTHENTICATION 
  
 This is one of the Securities of the series designated herein referred to in
the within-mentioned Indenture. 
  

			
	 J.P. MORGAN TRUST COMPANY, NATIONAL ASSOCIATION,
 as Trustee

		
	By:	 	  

	 	 	Authorized Signatory

 WAL-MART STORES, INC. 
  
 4.75% NOTES DUE 2010 
  
 1. Indenture; Notes. This Note is one of a duly authorized series of Securities of the Company designated as the “4.75% Notes Due 2010” (the
“Notes”), initially issued in an aggregate principal amount of $800,000,000 on August 15, 2005. Such series of Securities has been established pursuant to, and is one of an indefinite number of series of debt securities of the Company,
issued or issuable under and pursuant to, the Indenture, dated as of July 19, 2005 (the “Indenture”), duly executed and delivered by the Company, as Issuer, and J.P. Morgan Trust Company, National Association, as Trustee (the
“Trustee”), to which Indenture and all indentures supplemental thereto reference is hereby made for a statement of the rights, limitations of rights, obligations, duties and immunities thereunder of the Trustee, the Company and the holders
of the Notes and of the terms upon which this Note is, and is to be, authenticated and delivered. The terms, conditions and provisions of the Notes are those stated in the Indenture, those made part of the Indenture by reference to the Trust
Indenture Act of 1939, as amended, and those set forth in this Note. To the extent that the terms, conditions and other provisions of this Note modify, supplement or are inconsistent with those of the Indenture, then the terms, conditions and other
provisions of this Note shall govern. 
  
 All capitalized terms
which are used but not defined in this Note shall have the meanings assigned to them in the Indenture. 
  
 The Company may, without the consent of the holders, issue and sell additional Securities ranking equally with the Notes and otherwise identical in all
respects (except for their date of issue, issue price and the date from which interest payments thereon shall accrue) so that such additional Securities shall be consolidated and form a single series with the Notes; provided, however, that no
additional Securities of any existing or new series may be issued under the Indenture if an Event of Default has occurred and remains uncured thereunder. 
  
 2. Ranking. The Notes shall constitute the senior, unsecured and unsubordinated debt obligations of the Company and shall rank equally in right of payment among
themselves and with all other existing and future senior, unsecured and unsubordinated debt obligations of the Company. 
  
 3. Payment of Overdue Amounts. The Company shall pay interest, calculated on the basis of a 360-day year of twelve 30-day months, on overdue principal and overdue
installments of interest, if any, from time to time on demand at the interest rate borne by the Notes to the extent lawful. 
  
 4. Payment of Additional Amounts; Redemption Upon a Tax Event. 
  
 (a) Payment of Additional Amounts. The Company shall pay to the holder (including, for purposes of this Section 4, the beneficial owner) of this Note who is a
Non-U.S. Person (as defined below) such additional amounts as may be necessary so that every net payment of principal of and interest on this Note to such holder, after deduction or withholding for or on account of any present or future tax,
assessment or other governmental charge imposed upon 

 such holder by the United States of America or any taxing authority thereof or therein, will not be less than the amount
provided in this Note to be then due and payable (such amounts, the “Additional Amounts”); provided, however, that the Company shall not be required to make any payment of Additional Amounts for or on account of: 
  
 (i) any tax, assessment or other governmental charge that would not have
been imposed but for (A) the existence of any present or former connection between such holder, or between a fiduciary, settlor, beneficiary of, member or shareholder of, or possessor of a power over, such holder, if such holder is an estate, trust,
partnership or corporation, and the United States including, without limitation, such holder, or such fiduciary, settlor, beneficiary, member, shareholder or possessor, being or having been a citizen or resident of the United States of America or
treated as a resident thereof or being or having been engaged in trade or business or present in the United States of America, or (B) the presentation of this Note for payment on a date more than 30 days after the later of (x) the date on which such
payment becomes due and payable and (y) the date on which payment thereof is duly provided for; 
  
 (ii) any estate, inheritance, gift, sales, transfer, excise, personal property or similar tax, assessment or other governmental charge; 
  
 (iii) any tax, assessment or other governmental charge imposed by reason of
such holder’s past or present status as a passive foreign investment company, a controlled foreign corporation, a personal holding company or foreign personal holding company with respect to the United States of America, or as a corporation
which accumulates earnings to avoid United States federal income tax; 
  
 (iv) any tax, assessment or other governmental charge which is payable otherwise than by withholding from payment of principal of or interest on this Note; 
  
 (v) any tax, assessment or other governmental charge required to be withheld by any paying agent from any payment of
principal of or interest on this Note if such payment can be made without withholding by any other paying agent; 
  
 (vi) any tax, assessment or other governmental charge which would not have been imposed but for the failure to comply with certification, information,
documentation or other reporting requirements concerning the nationality, residence, identity or connections with the United States of America of the holder of this Note, if such compliance is required by statute or by regulation of the United
States Treasury Department as a precondition to relief or exemption from such tax, assessment or other governmental charge; 
  
 (vii) any tax, assessment or other governmental charge imposed on interest received by (A) a 10% shareholder (as defined in Section 871(h)(3)(B) of the
United States Internal Revenue Code of 1986, as amended (the “Code”), and the regulations that may be promulgated thereunder) of the Company or (B) a controlled foreign corporation with respect to the Company within the meaning of the
Code; 
  

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 (viii) any withholding or deduction that is imposed on a payment to an individual and is required to be
made pursuant to that European Union Directive relating to the taxation of savings adopted on June 3, 2003 by the European Union’s Economic and Financial Affairs Council, or any law implementing or complying with, or introduced in order to
conform to, such Directive; or 
  
 (ix) any combination of items
(i), (ii), (iii), (iv), (v), (vi), (vii) and (viii) in this Section 4(a); 
  
 nor
shall any Additional Amounts be paid to any holder who is a fiduciary or partnership to the extent that a beneficiary or settlor with respect to such fiduciary or a member of such partnership or a beneficial owner thereof, would not have been
entitled to the payment of such Additional Amounts had such beneficiary, settlor, member or beneficial owner been the holder. 
  
 “Non-U.S. Person” means any corporation, partnership, individual or fiduciary that is, as to the United States of America, a foreign
corporation, a non-resident alien individual who has not made a valid election to be treated as a United States resident, a non-resident fiduciary of a foreign estate or trust, or a foreign partnership one or more of the members of which is, as to
the United States of America, a foreign corporation, a non-resident alien individual or a non-resident fiduciary of a foreign estate or trust. 
  
 (b) Redemption Upon a Tax Event. The Notes may be redeemed at the option of the Company in whole, but not in part, on a date (such date, the “Tax Redemption
Date”) to be fixed by the Company on not more than 60 days’ and not less than 30 days’ notice, at a redemption price equal to 100% of the principal amount of the Notes (the “Redemption Price”) plus accrued but unpaid
interest, if any, and any Additional Amounts thereon, if the Company determines that as a result of any change in or amendment to the laws, treaties, regulations or rulings of the United States of America or any political subdivision or taxing
authority thereof, or any proposed change in such laws, treaties, regulations or rulings, or any change in the official application, enforcement or interpretation of such laws, treaties, regulations or rulings, including a holding by a court of
competent jurisdiction in the United States of America, or any other action, other than an action predicated on laws generally known on or before August 8, 2005 except for proposals before the U.S. Congress before such date, taken by any taxing
authority or a court of competent jurisdiction in the United States of America, or the official proposal of any such action, whether or not such action or proposal was taken or made with respect to the Company, (A) the Company has or will become
obligated to pay Additional Amounts or (B) there is a substantial possibility that the Company will be required to pay such Additional Amounts. 
  
 Prior to the publication of any notice of redemption pursuant to Section 15 hereof, the Company shall deliver to the Trustee (1) an Officers’
Certificate stating that the Company is entitled to effect such redemption and setting forth a statement of facts showing that the conditions precedent to the rights of the Company to so redeem have occurred and (2) an Opinion of Counsel to such
effect based on such statement of facts. 
  
 If the Company elects
to redeem the Notes pursuant to this Section 4(b), then it shall give notice to the holders pursuant to Section 15 hereof. 
  

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 The notice of redemption, shall specify the following: 
  
 (i) the Tax Redemption Date; 
  
 (ii) a brief statement to the effect that the Notes are being redeemed at
the option of the Company pursuant to this Section 4(b) and a brief statement of the facts permitting such redemption; 
  
 (iii) that on the Tax Redemption Date, the Redemption Price, plus accrued but unpaid interest on the Notes, if any, will become due and payable and that
interest thereon shall cease to accrue on and after such Tax Redemption Date; 
  
 (iv) the amount of the Redemption Price and accrued but unpaid interest, if any, that will be due and payable on the Notes on the Tax Redemption Date; 
  
 (v) the place or places where the Notes are to be surrendered for payment of the Redemption Price, and other amounts due
under clause (iv) above; 
  
 (vi) that payment of the amounts due
under clause (iv) above will be made upon presentation and surrender of the Notes; and 
  
 (vii) the CUSIP, ISIN and Common Code numbers of the Notes. 
  
 The notice of redemption regarding the Notes shall be, at the election of the Company, given by the Company or, at the Company’s request, by the Trustee in the name and at the expense of the Company. 

 
 On or before the opening of business on any Tax Redemption Date, the
Company shall deposit with the Trustee or with the Paying Agent or, if the Company is acting as its own paying agent, segregate and hold in trust as provided in Section 5.03 of the Indenture, an amount of money sufficient to pay the Redemption Price
of, and except if the Tax Redemption Date shall be an Interest Payment Date, accrued but unpaid interest on, the Notes to be redeemed on the Tax Redemption Date. 
  
 The notice of redemption having been given as specified above, the Notes shall, on the Tax Redemption Date, become due and
payable at the Redemption Price, and from and after such date, unless the Company shall default in the payment of the Redemption Price and accrued but unpaid interest, if any, the Notes shall cease to bear interest. Upon surrender of the Notes for
redemption in accordance with such notice, the Notes shall be paid by the Company at the Redemption Price, together with accrued but unpaid interest, if any, to the Tax Redemption Date. 
  
 If the Notes, having been called for redemption, shall not be so paid upon surrender thereof for redemption, the Redemption
Price shall, until paid, bear interest from the Tax Redemption Date at the interest rate borne by this Note. 
  
 5. Place and Method of Payment. The Company shall pay principal of and interest on the Notes at the office or agency of the Paying Agent in the Borough of Manhattan, The City of New 
  

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 York; provided, however, that at the option of the Company, the Company may pay interest by check mailed to the
person entitled thereto at such person’s address as it appears on the Registry for the Notes. 
  
 6. Defeasance of the Notes. Sections 11.02, 11.03 and 11.04 of the Indenture shall apply to the Notes. 
  
 7. No Redemption or Sinking Fund. The Notes are not redeemable prior to maturity, other than as set forth in Section 4(b) hereof, and are not subject to a sinking
fund. 
  
 8. Amendment and Modification. Article Nine of the Indenture
contains provisions for the amendment or modification of the Indenture and the Notes without the consent of the holders in certain circumstances and requiring the consent of holders of not less than a majority in aggregate principal amount of the
Notes and Securities of other series that would be affected in certain other circumstances. However, the Indenture requires the consent of each holder of the Notes and Securities of other series that would be affected for certain specified
amendments or modifications of the Indenture and the Notes. These provisions of the Indenture, which provide for, among other things, the execution of supplemental indentures, are applicable to the Notes. 
  
 9. Event of Default; Acceleration of Maturity; Rescission and Annulment. If an Event
of Default with respect to the Notes shall occur and be continuing, then the aggregate principal amount of the Notes of this series may be declared by either the Trustee or the Holders of not less than 25% in aggregate principal amount of the Notes
of this series then Outstanding to be, and, in certain cases, may automatically become, immediately due and payable in the manner, with the effect and subject to the conditions provided in the Indenture. The Indenture provides that, in the event of
such an acceleration of the maturity of the Notes, the holders of a majority in aggregate principal amount of all of the Notes of this series then Outstanding, voting as a separate class, in accordance with the provisions of, and in the
circumstances provided by, the Indenture, may rescind and annul such acceleration and its consequences with respect to all of the Notes. 
  
 10. Absolute Obligation. No reference herein to the Indenture and no provisions of the Notes or of the Indenture shall alter or impair the obligation of the
Company, which is absolute and unconditional, to pay the principal of and interest on this Note at the place, at the time and in the coin or currency herein prescribed. 
  
 11. Form and Denominations; Global Notes; Definitive Notes. The Notes are being issued in registered form without coupons in
denominations of $2,000 and integral multiples of $1,000 in excess thereof. The Notes are being issued in the form of global notes (each, a “Global Note”), evidencing all or any portion of the Notes and registered in the name of DTC or its
nominee (including their respective successors) as Depositary under the Indenture. The Notes shall be issued in certificated form (each, a “Definitive Note”) only in the following limited circumstances: (1) the Depositary is at any time
unwilling or unable to continue as Depositary or ceases to be a clearing agency registered under applicable law, and a successor depositary is not appointed by the Company within 90 days after the Company receives such notice or becomes aware of
such ineligibility; (2) the Company delivers to the Trustee a Company Order to the effect that this Note shall be exchangeable for Definitive Notes; or (3) an Event of Default has 
  

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 occurred and is continuing with respect to the Notes, in each such case this Note shall be exchangeable for Definitive
Notes in an equal aggregate principal amount. Such Definitive Notes shall be registered in such name or names as the Depositary shall instruct the Trustee. 
  
 12. Registration, Transfer and Exchange. As provided in the Indenture and subject to certain limitations therein set forth, the Company shall provide for the
registration of the Notes and the transfer and exchange of the Notes, whether in global or definitive form. At the option of the holders, at any office or agency designated and maintained by the Company for such purpose (the “Transfer
Agent”) pursuant to the provisions of the Indenture, and in the manner and subject to the limitations provided in the Indenture, but without the payment of any service charge, except for any transfer tax or other governmental charges imposed in
connection therewith subject to Section 4 hereof, the Notes may be transferred or exchanged for an equal aggregate principal amount of the Notes of like tenor and of other authorized denominations upon surrender and cancellation of the Notes upon
any such transfer. 
  
 The Company, the Trustee and any agent of
the Company or of the Trustee may deem and treat the holder as the absolute owner of this Note (whether or not the Notes shall be overdue and notwithstanding any notation of ownership or other writing hereon), for the purpose of receiving payments
hereon, or on account hereof, and for all other purposes, and neither the Company nor the Trustee nor any agent of the Company or of the Trustee shall be affected by any notice to the contrary. All such payments made to or upon the order of such
holder shall, to the extent of the amount or amounts paid, effectually satisfy and discharge liability for moneys payable on this Note. 
  
 Notwithstanding the preceding paragraphs of this Section 12, any registration of transfer or exchange of a Global Note shall be subject to the terms of
the legend appearing on the initial page thereof. 
  
 13. No Recourse Against
Others. No recourse under or upon any obligation, covenant or agreement of the Company arising under or set forth in the Notes or under the Indenture, or for any claim based thereon or otherwise in respect thereof, shall be had against any
incorporator, stockholder, officer or director, as such, past, present or future, of the Company or of any successor corporation, either directly or through the Company or any successor corporation, whether by virtue of any constitution, statute or
rule of law or by the enforcement of any assessment or penalty or otherwise, any and all such personal liability, either at common law or in equity or by constitution or statute, of, and any and all such rights and claims against, every such
incorporator, stockholder, officer or director, as such, being, by the acceptance hereof and as part of the consideration for the issue hereof, expressly waived and released. 
  
 14. Appointment of Agents. J.P. Morgan Trust Company, National Association is hereby appointed the Registrar for the purpose of
registering the Notes and transfers and exchanges of the Notes pursuant to the Indenture and this Note, Paying Agent pursuant to Section 3.04 of the Indenture and Transfer Agent with respect to the Notes at its offices in the Borough of Manhattan,
The City of New York. 
  

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 15. Notices. If the Company is required to give notice to the holders of the Notes pursuant to the terms of the
Indenture, then it shall do so by the means and in the manner set forth in Section 1.06 of the Indenture. 
  
 16. Separability. In case any provision of the Indenture or the Notes shall, for any reason, be held to be invalid, illegal or unenforceable, then the validity, legality and enforceability of the remaining
provisions thereof and hereof shall not in any way be affected or impaired thereby. 
  
 17. GOVERNING LAW. THE NOTES SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK. 
  

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 ASSIGNMENT FORM 
  

To assign this Note, fill in the form below: 
  
 For the value received, the undersigned hereby assigns and transfers the within Note, and all rights thereunder, to: 
  

	
	
	 
	(Insert assignee’s legal name)
	
	 
	(Insert assignee’s social security or tax identification number)
	
	 
	(Print or type assignee’s name, address and zip code)
	
	 
	
	 
	
	and irrevocably appoints
	
	 
	
	to transfer this Note on the books of Wal-Mart Stores, Inc. The agent may substitute another to act for it.

  

			
	Your Signature:	 	  

	 	 	(Sign exactly as your name appears on the face of this Note)

  
 Date:
                                 
  
 Signature Guarantee 
  
 The signature(s) should be Guaranteed by an Eligible Guarantor Institution pursuant to Rule 17Ad-15 of the Securities Exchange Act of
1934, as amended. 
  
 *  *  *  *  * 
  
 The following abbreviations, when used in the inscription on the face of the within Note, shall be construed as though they were written out in full according to applicable laws or regulations: 
  

					
	TEN COM -	  	as tenants in common	  	 
			
	TEN ENT -	  	as tenants by the entireties	  	 
			
	JT ENT -	  	as joint tenants with right of survivorship and not as tenants in common	  	 

  

									
	                     UNIF GIFT MIN ACT -
             Custodian              under the Uniform Gifts to Minors Act
            
	 	 	              (Cust)	 	    (Minor)
	 	    (State)

  
 Additional abbreviations may also be
used although not in the above list.Amendment to Employment Agreement

 Exhibit 10.1 
  
 FIRST AMENDMENT 
  
 TO 
  
 EMPLOYMENT AGREEMENT 
  
 THIS FIRST AMENDMENT TO EMPLOYMENT AGREEMENT (the “First Amendment”) is made as of the 7th day of June, 2005, by and between Slavie Federal Savings Bank, a capital stock savings bank chartered by the United
States (“Employer”) and Sophie T. Wittelsberger, a resident of the State of Maryland (the “Employee”). 
  
 WHEREAS, the parties hereto entered into an Employment Agreement (the “Agreement”) dated as of December 30, 2004; 
  
 WHEREAS, the parties hereto desire to amend the Agreement as set forth herein
and only as set forth herein; and 
  
 WHEREAS, it is the intention
of the parties that the Agreement shall remain in full force and effect except as amended hereby; 
  
 NOW, THEREFORE, in consideration of the mutual benefits to be derived herewith, the parties agree as follows: 
  
 1. All terms and words in this First Amendment shall have the same meaning
herein as in the Agreement. 
  
 2. Section 2.1 deleted in its
entirety and replaced by the following: 
  
 Term. The
Employee is employed as a Vice President and Chief Financial Officer of the Bank, and, subject to the direction of the Chief Executive Officer, must perform and discharge well and faithfully the duties that may be assigned to her from time-to-time
by the Employer in connection with the conduct of its business. The duties and responsibility of the Employee are set forth in Exhibit A attached hereto. 
  
 3. Exhibit A is deleted in its entirety and replaced by Exhibit A attached hereto. 
  
 4. All other provisions of the Agreement remain in full force and effect. 

 IN WITNESS WHEREOF, the Employer and Employee have executed and delivered this Agreement as of the date
first shown above. 
  

					
	 	 	 	 	Employer
			
	Witness:	 	 	 	Slavie Federal Savings Bank
			
	 /s/ Nadine Horton

	 	 	 	 /s/ Charles E. Wagner, Jr.

	Nadine Horton	 	 	 	Charles E. Wagner, Jr.
	 	 	 	 	Senior Vice President and Secretary
			
	 	 	 	 	Employee
			
	Witness:	 	 	 	 
			
	 /s/ Nadine Horton

	 	 	 	 /s/ Sophie T. Wittelsberger

	Nadine Horton	 	 	 	Sophie T. Wittelsberger

  

 2 

 Exhibit A 
  

SLAVIE FEDERAL SAVINGS BANK 
 JOB
DESCRIPTION 
  

			
	JOB TITLE:	  	VICE-PRESIDENT/CHIEF FINANCIAL OFFICER
	FSLA:	  	EXEMPT
	REPORTS TO:	  	PRESIDENT

  
 SUMMARY: 
  
 Provide direction and oversight to auditing, recordkeeping and accounting activities of the
Bank. 
  
 Provide administration to oversee the compliance of laws and
regulations. 
  
 Provide support and make recommendations to the Chief Executive
Officer of the Bank in the areas of leadership, direction, development and implementation of financial institution policies and procedures and operational changes as needed. 
  
 Manage, monitor, and control operation of the Bank’s technology and information resources. 
  
 Administer and manage the Bank’s Community Reinvestment Act (CRA) program to ascertain
how the Bank is responding to the credit needs of low and moderate income individuals its lending area. 
  
 Develop and administer the Bank’s Protection Act program, to assure the safety and security of the Bank’s employees, customers, assets and property. 
  
 ESSENTIAL DUTIES AND RESPONSIBILITIES: The primary duty and responsibility of this
position is quality service to the Bank’s customers. Specific duties are listed below. Other duties may be assigned. 
  
 Direct and oversee the financial functions of the Bank. Present monthly and quarterly financial reports to the Board of Directors. Serve as trustee of the
institution’s pension plan. Develop and implement the Bank’s fiscal plans and policies, including the preparation of the budget and profit forecasts. Prepare quarterly and annual SEC regulatory reports. Direct and supervise the
development, production, promotion and sale of the Bank’s products and services. Participate on the Asset/Liability Committee to assist in determining deposit and loan rates. Participate on the Investment Committee to assist in rendering
investment decisions. Provide direction for planning model runs; review and approve office property improvement requests; assist in analyzing new branch site locations and closing of existing branches; assist with lease negotiation and major
purchasing decisions. 
  
 Develop, administer and monitor policies and procedures
to ensure the Bank’s compliance with laws, regulations and rules governing operations and product offerings. Schedule compliance audits and report results to the Board of Directors. Research federal and state banking laws and regulations and
provide department heads with updated information on any compliance changes that affect them. 
  
 Manage the evaluation, implementation and support activities for the Bank’s internal and external automated information processing systems and services, including software, hardware, telecommunication systems and
related equipment. Maintain and optimize the Bank’s Local 

 
Area Network (LAN). Serve as liaison between the Service Bureau (data processing center) and the Bank to ensure efficient operation and minimal downtime.
Maintain and manage relationships with other external vendors, such as the telephone and the interconnect companies. Maintain and manage routine backup procedures and tape libraries. Coordinate and recommend hardware and software upgrades, negotiate
contracts and analyze the costs for technology, communication and information systems, acquire and implement approved upgrades in response to changing business conditions. Develop, monitor and maintain the Bank’s Information Security program
and report any violations to the Board of Directors. 
  
 Develop, revise, and
submit a CRA Statement to the Board of Directors and ensure that it is available to the public upon request. Monitor the Bank’s CRA performance by ensuring that CRA efforts are accomplished and recommend ways to improve the Bank’s position
in the community to the Board of Directors. Establish and maintain a CRA program to ensure that the Bank performs well under the assessment factors in the regulations. Coordinate and report on CRA program to the Board of Directors and federal
regulators. Initiate CRA activities with non-profit groups, businesses and government officials. Conduct periodic employee training to ensure bank compliance with CRA policies and regulations. 
  
 Administer the Bank’s Protection program. Train and indoctrinate bank employees as
required under the Bank Protection Act and the Bank Secrecy Act to discuss their responsibilities under the security program. Serve as liaison with local, federal and criminal justice agencies. Conduct interviews and investigate all internal and
external fraud complaints. Evaluate and recommend security systems and equipment. 
  
 SUPERVISORY RESPONSIBILITY: 
  
 Serve as chief auditor and
administrator of the Accounting department. Provide general direction, supervision, and evaluation of subordinates in this area. 
  
 Provide direct guidance on personnel activities which affect Accounting, including salary administration, incentives, performance objectives, and compliance with
established policies to ensure solid team efforts toward the attainment of department, bank, and corporation goals. 
  
 Carry out supervisory responsibilities in accordance with the organization’s policies and applicable laws. Responsibilities include interviewing, hiring, and
training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; and addressing complaints and resolving problems. 
  
 CRA REQUIREMENT: 
  
 Expected to understand the bank’s obligations under the Community Reinvestment Act and how to fulfill them. Expected to cooperate with and support the bank’s
CRA program. Will be held accountable for any lack of cooperation that weakens the bank’s CRA performance, as reflected in internal audits, agency examinations, and/or community projects. 
  
 PRODUCT AND KNOWLEDGE REQUIREMENT: 
  
 Should know and understand the products and services that are provided by Slavie Federal
Savings Bank and give quality service at all times to the Bank’s customers. 
  
 QUALIFICATION REQUIREMENTS: 
  
 To perform this job successfully,
an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with
disabilities to perform the essential functions. 
  

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 EDUCATION AND/OR EXPERIENCE: 
  

	 	•	 	College graduate and graduate of recognized graduate banking school or equivalent; or minimum of ten years experience in Financial Institution operating procedures, including
statistical and technical operations. 

  
 LANGUAGE SKILLS: 
  

	 	•	 	Ability to read, analyze, and interpret common technical journals, financial reports, and legal documents. Ability to respond to common inquiries or complaints from customers,
regulatory agencies, or members of the community. A high level of interpersonal skills to effectively communicate policies, procedures, staff objectives, and information to top management, public groups, and/or boards of directors.

  
 ANALYTICAL SKILLS: 
  

	 	•	 	A high level of analytical, mathematical and reasoning skills to assess and evaluate the operation of subordinate areas of responsibility, participate in establishing bank-wide
financial goals, and draft operational reports to the board. 

  
 PHYSICAL DEMANDS: 
  
 Reasonable accommodations may be made to
enable individuals with disabilities to perform the essential functions. 
  
 WORK ENVIRONMENT: 
  
 Good. There is little discomfort from
noise, heat, dust, or other adverse factors. 
  
 PERFORMANCE EXPECTATIONS:

  
 ORGANIZATIONAL EXPECTATIONS: 
  

	 	•	 	Understands that the position exists to ultimately serve the customer either directly or indirectly through assisting front-line personnel to answer customer inquiries quickly.

  

	 	•	 	Practices a high degree of professionalism and sets an example for others to follow. 

  

	 	•	 	Demonstrates commitment to and understanding of continuous quality improvement. Uses creativity and initiative to recommend quality enhancements when relevant and appropriate.

  

	 	•	 	Has satisfactory attendance within policy guidelines and is punctual. 

  

	 	•	 	Manages time effectively. Completes assigned duties within required deadlines. 

  

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 FINANCIAL EXPECTATIONS: 
  

	 	•	 	Makes recommendations to the Board of Directors concerning budgetary needs of the bank. 

  

	 	•	 	Within parameters of job, uses good judgment related to Bank income opportunities and expense control. 

  

	 	•	 	Is financially responsible. 

  
 RELATIONSHIP EXPECTATIONS: 
  

	 	•	 	Conducts in-bank and public relationships in a manner that enhances the image and marketing efforts of the Bank. 

  

	 	•	 	Participates in community organizations, activities, and projects. 

  

	 	•	 	Contributes to an overall team effort by being an effective team player. 

  
 This job description is not intended to be and should not be construed as an all-inclusive list of the responsibilities, skills, or working conditions associated
with the position. While this job description is intended to accurately reflect the position’s activities and requirements, management reserves the right to modify, add, or remove duties and assign other duties as necessary. 

 

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