Document:

BCB BANCORP, INC.

                           CHANGE IN CONTROL AGREEMENT
                                       FOR
                                JAMES E. COLLINS

     This AGREEMENT is made effective as of December 10, 2008 by and between BCB
BANCORP,  INC., (the  "Company"),  and JAMES E. COLLINS (the  "Executive").  Any
reference  to  "Bank"  herein  shall  mean  BCB  COMMUNITY  BANK,  a New  Jersey
commercial bank or any successor thereto.

     WHEREAS,  the Company and the Bank recognize the  substantial  contribution
the  Executive has made to the Company and the Bank and the Company and the Bank
wish  to  protect  his  position  therewith  for  the  period  provided  in this
Agreement; and

     WHEREAS,  the Executive has been elected to, and has agreed to serve in the
position  of Senior  Lending  Officer  for the  Bank,  which  are  positions  of
substantial responsibility;

     NOW, THEREFORE, in consideration of the contribution of the Executive,  and
upon the other terms and  conditions  hereinafter  provided,  the parties hereto
agree as follows:

1.   TERM OF AGREEMENT

     The "term" of this Agreement  shall be thirty-six (36) full calendar months
from the effective date of this Agreement set forth above, and shall include any
extension or renewal made  pursuant to this  Section.  Commencing on December 1,
2009  and  continuing  on the 1st of  December  of  each  year  thereafter  (the
"Anniversary Date"), this Agreement shall renew for an additional year such that
the remaining term shall be three (3) years unless written notice of non-renewal
("Non-Renewal  Notice") is provided to  Executive  at least thirty (30) days and
not more than  sixty  (60) days prior to any such  Anniversary  Date,  that this
Agreement shall  terminate at the end of thirty-six  (36) months  following such
Anniversary Date.

2.   CHANGE IN CONTROL

     This Agreement provides for certain payments and benefits to Executive only
in the event of Change in Control.

     A "Change  in  Control"  shall  mean (i) a change in the  ownership  of the
Company or Bank, (ii) a change in the effective  control of the Company or Bank,
or (iii) a change in the ownership of a substantial portion of the assets of the
Company or Bank, as described below.

          (a) A change in the ownership of a corporation occurs on the date that
any one  person,  or more  than one  person  acting as a group  (as  defined  in
Treasury Regulations section 1.409A-3(i)(5)(v)(B)),  acquires ownership of stock
of the Company or Bank that,  together  with stock held by such person or group,
constitutes  more than 50 percent of the total fair market value or total voting
power  of the  stock of such  corporation.  For  these  purposes,  a  change  in
ownership will not be deemed to have occurred if no stock of the Company or Bank
is outstanding.

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          (b) A change in the effective control of the Company or Bank occurs on
the date that  either (i) any one  person,  or more than one person  acting as a
group  (as  defined  in  Treasury  Regulations  section   1.409A-3(i)(5)(vi)(D))
acquires (or has acquired  during the 12-month  period ending on the date of the
most recent  acquisition  by such person or persons)  ownership  of stock of the
Company or Bank  possessing  30 percent or more of the total voting power of the
stock of the Company or Bank, or (ii) a majority of the members of the Company's
or Bank's board of directors is replaced during any 12-month period by directors
whose  appointment  or election is not  endorsed by a majority of the members of
the Company's or Bank's board of directors  prior to the date of the appointment
or  election,  provided  that this  subsection  "(ii)" is  inapplicable  where a
majority shareholder of the Company or Bank is another corporation.

          (c) A change  in a  substantial  portion  of the  Company's  or Bank's
assets  occurs on the date that any one person or more than one person acting as
a group (as  defined in  Treasury  Regulations  section  1.409A-3(i)(5)(vii)(C))
acquires (or has acquired  during the 12-month  period ending on the date of the
most recent  acquisition  by such person or persons)  assets from the Company or
Bank that have a total gross fair market  value equal to or more than 40 percent
of the total gross fair market  value of (i) all of the assets of the Company or
Bank,  or (ii) the value of the assets  being  disposed  of,  either of which is
determined  without regard to any liabilities  associated with such assets.  For
all purposes  hereunder,  the definition of Change in Control shall be construed
to  be  consistent  with  the  requirements  of  Treasury   Regulations  section
1.409A-3(i)(5),  except to the extent that such  regulations  are  superseded by
subsequent guidance.

3.   PAYMENTS TO EXECUTIVE UPON CHANGE IN CONTROL

          (a) Upon  the  occurrence  of a Change  in  Control  (and  even if the
Executive's  employment  will  not  terminate  as a  result  of such  Change  in
Control),  the Company or the Bank shall pay the  Executive  (or in the event of
his  subsequent  death,  his  estate),  a cash  lump  sum  equal to 2.999 of the
Executive's  "base  amount" as  calculated  under  Section  280G of the Internal
Revenue  Code of 1986,  as amended  (the  "Code")  (or any  successor  thereto);
provided,  however, that such amounts shall be subject to applicable withholding
taxes. Such payment shall be made on the effective date of the Change in Control
or within ten (10) business days thereafter.  "Base amount"  generally means the
Executive's  average annual  compensation for services performed for the Company
and the Bank which was includible in the  Executive's  gross income for the most
recent five (5) taxable years ending before the date of the Change in Control.

          (b) Upon the  occurrence of a Change in Control,  the  Executive  will
have such rights as specified in any other employee benefit plan (including, but
not limited to, equity compensation plans).

          (c) Notwithstanding the preceding  paragraphs of this Section 3, in no
event  shall the  aggregate  payments  or benefits to be made or afforded to the
Executive  (the "Change in Control  Benefits")  constitute an "excess  parachute
payment" under Code Section 280G, and in order to avoid such a result, Change in
Control   Benefits   will  be  reduced,   if   necessary,   to  an  amount  (the
"Non-Triggering  Amount"), the value of which is one dollar ($1.00) less than an
amount equal to three (3) times the Executive's  "base amount," as determined in
accordance  with Code Section 280G.  The  allocation  of the reduction  required

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<PAGE>

hereby among Change in Control Benefits provided by the preceding  paragraphs of
this Section 3 shall be determined by the Executive.

          (d) Upon the occurrence of a Change in Control,  the acquirer shall be
obligated to provide  non-taxable health insurance coverage to the Executive and
his  dependents,  at no cost to the Executive,  for a period of thirty-six  (36)
months  from the date of the  Change in  Control  at a level  comparable  to the
health  benefits  provided to the  Executive  and his  dependents by the Company
and/or  the Bank  immediately  prior  to the  Change  in  Control.  Such  health
insurance  benefits  shall not be subject to the reduction  described in Section
3(c).

4.   SOURCE OF PAYMENTS

     It is  intended by the parties  hereto that all  payments  provided in this
Agreement  shall be paid in cash or check from the general  funds of the Company
or the Bank,  provided,  however,  that in the  event  that the  payment  of any
amounts due under Section 3 above is made by the Bank, such payment shall offset
the payment due from the Company hereunder.

5.   EFFECT ON PRIOR AGREEMENTS AND EXISTING BENEFIT PLANS

     This Agreement contains the entire understanding between the parties hereto
and  supersedes  any  prior  agreement  between  the  Company,  the Bank and the
Executive,  except that this Agreement shall not affect or operate to reduce any
benefit or compensation  inuring to the Executive of a kind elsewhere  provided.
No provision of this  Agreement  shall be interpreted to mean that the Executive
is subject to  receiving  fewer  benefits  than those  available  to him without
reference to this Agreement.

6.   NO ATTACHMENT

          (a) Except as required by law, no right to receive payments under this
Agreement  shall be  subject to  anticipation,  commutation,  alienation,  sale,
assignment,  encumbrance,  charge,  pledge, or  hypothecation,  or to execution,
attachment,  levy, or similar process or assignment by operation of law, and any
attempt,  voluntary  or  involuntary,  to affect any such action  shall be null,
void, and of no effect.

          (b) This Agreement shall be binding upon, and inure to the benefit of,
the  Executive,  the  Company,  the Bank and  their  respective  successors  and
assigns.

7.   MODIFICATION AND WAIVER

          (a)  This  Agreement  may not be  modified  or  amended  except  by an
instrument in writing signed by the parties hereto.

          (b) No term or  condition  of this  Agreement  shall be deemed to have
been waived,  nor shall there be any  estoppel  against the  enforcement  of any
provision of this Agreement,  except by written  instrument of the party charged
with  such  waiver  or  estoppel.  No such  written  waiver  shall  be  deemed a
continuing waiver unless specifically stated therein, and each such waiver shall
operate  only  as to the  specific  term  or  condition  waived  and  shall  not

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<PAGE>

constitute  a waiver of such term or  condition  for the future or as to any act
other than that specifically waived.

8.   REQUIRED PROVISIONS

     Notwithstanding  anything herein contained to the contrary, any payments to
Executive  by the Company or the Bank,  whether  pursuant to this  Agreement  or
otherwise,  are subject to and  conditioned  upon their  compliance with Section
18(k) of the Federal Deposit Insurance Act, 12 U.S.C.  Section 1828(k),  and the
regulations promulgated thereunder in 12 C.F.R. Part 359.

9.   SEVERABILITY

     If, for any reason,  any  provision of this  Agreement,  or any part of any
provision, is held invalid, such invalidity shall not affect any other provision
of this  Agreement or any part of such  provision not held so invalid,  and each
such other  provision and part thereof shall to the full extent  consistent with
law continue in full force and effect.

10.  HEADINGS FOR REFERENCE ONLY

     The headings of sections  and  paragraphs  herein are  included  solely for
convenience of reference and shall not control the meaning or  interpretation of
any of the provisions of this Agreement.

11.  GOVERNING LAW

          (a) The validity, interpretation, performance, and enforcement of this
Agreement shall be governed by the laws of the State of New Jersey.

          (b) Any dispute or  controversy  arising under or in  connection  with
this Agreement shall be settled  exclusively by arbitration,  conducted before a
panel of three arbitrators sitting in a location selected by the employee within
fifty (50) miles from the location of the Company,  in accordance with the rules
of the  Judicial  Mediation  and  Arbitration  Systems  (JAMS)  then in  effect.
Judgment  may  be  entered  on  the  arbitrator's  award  in  any  court  having
jurisdiction.

12.  PAYMENT OF LEGAL FEES

     All reasonable legal fees paid or incurred by the Executive pursuant to any
dispute or question of  interpretation  relating to this Agreement shall be paid
or  reimbursed  by the Company or the Bank if the Executive is successful on the
merits   pursuant  to  a  legal  judgment,   arbitration  or  settlement.   Such
reimbursement  shall  occur no later  than  sixty (60) days after the end of the
year in which the dispute is resolved in Executive's favor.

13.  SUCCESSOR TO THE COMPANY OR BANK

     The Company and the Bank shall require any  successor or assignee,  whether
direct or indirect, by purchase,  merger,  consolidation or otherwise, to all or
substantially  all the business or assets of the Company or the Bank,  expressly
and  unconditionally  to assume and agree to perform the Company's or the Bank's
obligations under this Agreement, in the same manner and to the same extent that

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<PAGE>

the Company or the Bank would be required  to perform if no such  succession  or
assignment had taken place.

14.  SIGNATURES

     IN WITNESS WHEREOF,  the Company and the Bank have caused this Agreement to
be executed by its duly authorized  officers,  and the Executive has signed this
Agreement, on the day and date first above written.

                                       BCB BANCORP, INC.

                                       By: /s/ Mark D. Hogan
                                           ------------------------------------

                                       BCB COMMUNITY BANK

                                       By: /s/ Mark D. Hogan
                                           ------------------------------------

                                       EXECUTIVE

                                       By: /s/ James E. Collins
                                           ------------------------------------
                                           James E. Collins
                                           Senior Lending OfficerBCB BANCORP, INC.

                               EXECUTIVE AGREEMENT

     WHEREAS, DONALD MINDIAK ("Executive") and BCB BANCORP, INC. (the "Company")
and BCB  COMMUNITY  BANK (the "Bank")  have entered into an Executive  Agreement
("Executive Agreement") to guarantee and ensure that the Executive shall receive
the full value of the  benefits to which he is entitled  under  various  benefit
plans  sponsored  by the  Company  or by the Bank in which  the  Executive  is a
participant; and

     WHEREAS,  tax law provisions  relating to "golden parachute payments" could
have the effect of reducing the benefits  otherwise  promised to Executive under
the various  benefit plans sponsored by the Company or the Bank as a result of a
Change in Control of the Company or the Bank,  either as the result of cut-backs
in the  benefit  due  to  restrictions  imposed  by the  Company  or the  Bank's
regulators or the  imposition of an excise tax on the deemed  "excess  parachute
payment"; and

     WHEREAS,  the Board believes that this  Executive  Agreement is in the best
interests  of the Company and the Bank and their  shareholders  and will provide
the  benefits  intended to be provided to  Executive in the event of a change in
control of the Company or the Bank,  without any  reduction  because of tax code
"penalties" or excise taxes relating to a change in control; and

     WHEREAS,  Section 409A of the Internal  Revenue Code ("Code")  necessitates
certain changes to this Executive Agreement and the Bank and Executive desire to
amend this Executive Agreement to comply with this Code Section.

     NOW, THEREFORE,  in consideration of the mutual covenants herein contained,
and upon the other terms and conditions hereinafter provided, the parties hereto
hereby agree as follows:

     1. In the event of a Change in Control (as defined in the Change in Control
Agreement between the Company and the Executive) of the Bank or the Company, the
Executive shall be entitled to receive, pursuant to this Executive Agreement, an
amount  payable by the Company or the Bank, in addition to any  compensation  or
benefits  otherwise  paid by the Bank or the  Company,  which  shall  equal  the
difference,  if any, between (i) the amount that would be paid by the Company or
the Bank under the terms of the  various  benefit  plans  without  regard to any
reduction  that may be required or imposed by any  regulatory  authority  having
jurisdiction  over the Company or the Bank, and (ii) the amount that is actually
paid to or for the benefit of the Executive by the Company or the Bank under the
terms of the various benefit plans.

     2. In addition, in each calendar year that Executive is entitled to receive
payments or benefits  under the  provisions of a benefit plan and this Executive
Agreement,  the  independent  accountants  of  the  Company  or the  Bank  shall
determine  if an excess  parachute  payment (as  defined in Section  4999 of the
Code)  exists.  Such  determination  shall be made after  taking any  reductions
permitted  pursuant to Section 280G of the Code and the regulations  thereunder.
Any amount  determined  to be an excess  parachute  payment  after  taking  into
account such  reductions  shall be hereafter  referred to as the "Initial Excess
Parachute  Payment."  As soon as  practicable  after a Change  in  Control,  the
Initial  Excess  Parachute  Payment  shall  be  determined.  Upon  the  Date  of

<PAGE>

Termination  following  a Change in  Control,  the Company or the Bank shall pay
Executive, subject to applicable withholding requirements under applicable state
or federal law an amount equal to:

          (i)   twenty (20) percent of the Initial Excess Parachute  Payment (or
                such other amount equal to the tax imposed under Section 4999 of
                the Code), and

          (ii)  such  additional  amount (tax  allowance) as may be necessary to
                compensate  Executive  for the payment by Executive of state and
                federal  income and excise taxes on the payment  provided  under
                Clause  (i) and on any  payments  under  this  Clause  (ii).  In
                computing  such tax  allowance,  the  payment  to be made  under
                Clause  (i) shall be  multiplied  by the  "gross up  percentage"
                ("GUP"). The GUP shall be determined as follows:

                                      Tax Rate
                              GUP = ---------------
                                     1- Tax Rate

                The Tax Rate for  purposes  of  computing  the GUP  shall be the
                highest marginal federal and state income and employment-related
                tax rate,  including any applicable excise tax rate,  applicable
                to the  Executive in the year in which the payment  under Clause
                (i) is made.

     Notwithstanding  the  foregoing,  any payment  pursuant  to this  Executive
Agreement  shall be made no later  than  sixty (60) days after the date on which
the Executive remits any excise tax to the required taxing authority.

     3. Notwithstanding the foregoing, if it shall subsequently be determined in
a final judicial  determination  or a final  administrative  settlement to which
Executive  is a party  that the excess  parachute  payment as defined in Section
4999 of the Code,  reduced as described  above,  is  different  from the Initial
Excess Parachute  Payment (such different amount being hereafter  referred to as
the  "Determinative  Excess  Parachute  Payment")  then the  Company  or  Bank's
independent accountants shall determine the amount (the "Adjustment Amount") the
Executive must pay to the Company or Bank or the Company or Bank must pay to the
Executive in order to put the Executive (or the Company or Bank, as the case may
be) in the same  position as the  Executive (or the Company or Bank, as the case
may be) would have been if the Initial Excess  Parachute  Payment had been equal
to the  Determinative  Excess Parachute  Payment.  In determining the Adjustment
Amount,  the independent  accountants  shall take into account any and all taxes
(including  any penalties and interest)  paid by or for Executive or refunded to
Executive  or  for  Executive's  benefit.  As  soon  as  practicable  after  the
Adjustment Amount has been so determined,  the Company or the Bank shall pay the
Adjustment  Amount to  Executive  or the  Executive  shall repay the  Adjustment
Amount to the Company or Bank, as the case may be. The purpose of this paragraph
is to assure that (i) the  Executive is not paid more as  reimbursement  for the
golden parachute excise tax than it may ultimately be determined is necessary to
make him whole, and (ii) if it is subsequently determined that additional golden
parachute excise tax is owed by him, additional  reimbursement  payments will be
made to him to make him whole for the additional excise tax.

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<PAGE>

     4. In each calendar year that Executive receives payments or benefits under
one or more benefit plans sponsored by the Bank or the Company,  Executive shall
report on his state and  federal  income  tax  returns  such  information  as is
consistent with the  determination  made by the  independent  accountants of the
Company or Bank as described above. The Company and the Bank shall indemnify and
hold Executive harmless from any and all losses,  costs and expenses  (including
without limitation,  reasonable attorney's fees, interest,  fines and penalties)
that Executive  incurs as a result of so reporting such  information.  Executive
shall promptly notify the Company or the Bank in writing  whenever the Executive
receives notice of the institution of a judicial or  administrative  proceeding,
formal or informal, in which the federal tax treatment under Section 4999 of the
Code of any amount paid or payable  under this  Supplemental  Agreement is being
reviewed or is in dispute.  The Company or the Bank shall assume  control at its
expense over all legal and  accounting  matters  pertaining  to such federal tax
treatment  (except to the extent  necessary  or  appropriate  for  Executive  to
resolve any such proceeding with respect to any matter unrelated to amounts paid
or payable pursuant to this contract).  The Executive shall cooperate fully with
the Company or the Bank in any such  proceeding.  The Executive  shall not enter
into any compromise or settlement or otherwise  prejudice any rights the Company
or the  Bank may have in  connection  therewith  without  prior  consent  to the
Company or Bank.

     5. This  Executive  Agreement  shall be binding on the  Company,  the Bank,
their  successors  and assigns  and the  benefits  hereunder  shall inure to the
benefit of Executive, his heirs and beneficiaries.

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<PAGE>

     IN WITNESS  WHEREOF,  the Company,  the Bank, and the Executive have caused
this Executive Agreement to be executed as of the 10th day of December, 2008.

                                       BCB BANCORP, INC.

                                       By: /s/ Mark D. Hogan
                                           ------------------------------------

                                       BCB COMMUNITY BANK

                                       By: /s/ Mark D. Hogan
                                           ------------------------------------

                                       EXECUTIVE

                                       By: /s/ Donald Mindiak
                                           -----------------------------------
                                           Donald Mindiak
                                           President, Chief Executive Officer,
                                           and Chief Financial Officer

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