Common use of COMPLIANCE WITH TAX AND SECURITIES LAWS Clause in Contracts

COMPLIANCE WITH TAX AND SECURITIES LAWS. I understand that I must rely on, and consult with, my own tax and legal counsel (and not Tappan Zee Financial, Inc.) regarding the application of all laws -- particularly tax and securities laws -- to the transactions to be effected pursuant to my Option and this Notice. I understand that I will be responsible for paying any federal, state and local taxes that may become due upon the sale (including a sale pursuant to a "cashless exercise") or other disposition of Shares issued pursuant to this Notice and that I must consult with my own tax advisor regarding how and when such income will be reportable. ------------------------------------- ------------------------- Signature Date -------------------------------------------------------------------------------- Address * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * COMPENSATION COMMITTEE Received [CHECK ONE]: / / By Hand / / By Mail Post Marked _________________ Date of Post Mark By_______________________________________________ _________________ Authorized Signature Date of Receipt

COMPLIANCE WITH TAX AND SECURITIES LAWS. I understand that I must rely on, and consult with, my own tax and legal counsel (and not Tappan Zee FinancialNorth Central Bancshares, Inc.) regarding the application of all laws -- particularly tax and securities laws -- to the transactions to be effected pursuant to my Option and this Notice. I understand that I will be responsible for paying any federal, state and local taxes that may become due upon the sale (including a sale pursuant to a "cashless exercise") or other disposition of Shares issued pursuant to this Notice and that I must consult with my own tax advisor regarding how and when such income will be reportable. ------------------------------------- ------------------------- _______________________________________________ ___________________ Signature Date -------------------------------------------------------------------------------- _______________________________________________________________________________ Address * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * COMPENSATION COMMITTEE Received [CHECK ONE]: / / By /By Hand / / By /By Mail Post Marked _________________ Date of Post Mark ByXxxx By _____________________________________________________ _________________ Authorized Signature Date of ReceiptReceipt XXXXXXXX X TO NON-QUALIFIED STOCK OPTION AGREEMENT NORTH CENTRAL BANCSHARES, INC. 1996 STOCK OPTION PLAN BENEFICIARY DESIGNATION

COMPLIANCE WITH TAX AND SECURITIES LAWS. I understand that I must rely on, and consult with, my own tax and legal counsel (and not Tappan Zee Financial, Inc.JSBF or Jamaica Savings Bank FSB) regarding the application of all laws -- particularly tax and securities laws -- to the transactions to be effected pursuant to my Option and this Notice. I understand that I will be responsible for paying any federal, state and local taxes that may become due upon the sale (including a sale pursuant to a "cashless exercise") or other disposition of Shares issued pursuant to this Notice and that I must consult with my own tax advisor regarding how and when such income will be reportable. ------------------------------------- ------------------------- Signature Date -------------------------------------------------------------------------------- Address * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * COMPENSATION COMMITTEE Received [CHECK ONE]: / / By Hand / / By Mail Post Marked _________________ Date of Post Mark By_______________________________________________ __________________ Signature Date ________________________________________________________________________________ Address * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Administrator (on behalf of the Committee) Received [CHECK ONE]: |_| By Hand |_| By Mail Post Marked_________________ Date of Post Xxxx By________________________________ _________________ Authorized Signature Date of ReceiptReceipt NON-QUALIFIED STOCK OPTION AGREEMENT (OFFICERS) JSB FINANCIAL, INC. 1996 STOCK OPTION PLAN ------------------------------------------ This NON-QUALIFIED STOCK OPTION AGREEMENT ("Agreement") is made and entered into as of the 1st day of January, 1997 by and between JSB Financial, Inc., a corporation organized and existing under the laws of the State of Delaware and having an office at 000 Xxxxxxx Xxxx, Lynbrook, New York 11563-2574 ("JSBF") and _____________________ ____________________________, an individual residing at _______________________________ _________________________________________ ("Option Holder").

COMPLIANCE WITH TAX AND SECURITIES LAWS. I understand that I must rely on, and consult with, my own tax and legal counsel (and not Tappan Zee Financial, Inc.) regarding the application of all laws -- particularly tax and securities laws -- to the transactions to be effected pursuant to my Option and this Notice. I understand that I will be responsible for paying any federal, state and local taxes that may become due upon the sale (including a sale pursuant to a "cashless exercise") or other disposition of Shares issued pursuant to this Notice and that I must consult with my own tax advisor regarding how and when such income will be reportable. ------------------------------------- ---------------------------------- ------------------------- Signature Date -------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Address * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * COMPENSATION COMMITTEE Received [CHECK ONEcheck one]: / / [ ] By Hand / / [ ] By Mail Post Marked _________________ ------------------ Date of Post Mark By_______________________________________________ _________________ Xx ---------------------------------------- ------------------ Authorized Signature Date of Receipt