Common use of THE FEDERAL GOVERNMENT Clause in Contracts

THE FEDERAL GOVERNMENT. If anyone asserts that the shares of Common Stock are federally insured or guaranteed, or are as safe as an insured deposit, I should call the Office of Thrift Supervision Central Regional Director, Xxxxxx X. Xxxx, at (000) 000-0000. I further certify that, before purchasing the Common Stock of Security Financial Bancorp, Inc. I received a copy of the Prospectus dated November xx, 1999 which discloses the nature of the Common Stock being offered and describes the following risks involved in an investment in the Common Stock under the heading "Risk Factors" beginning on page x of the Prospectus:

THE FEDERAL GOVERNMENT. If anyone asserts that the shares of Common Stock are federally insured or guaranteed, or are as safe as an insured deposit, I should call the Office of Thrift Supervision Central Southeast Regional Director, Xxxxxx X. Xxxx, Xxxx Xxxx at (000) 000-0000. I further certify that, before purchasing the Common Stock of Security Financial Bancorp, Inc. Third Century Bancorp I received a copy of the Prospectus dated November xxMay __, 1999 2004 which discloses the nature of the Common Stock being offered and describes the following risks involved in an investment in the Common Stock under the heading "Risk Factors" beginning on page x __ of the Prospectus: