0000928385-00-003415 Sample Contracts

FORM OF ------- LOAN AGREEMENT --------------
Loan Agreement • December 19th, 2000 • Citizens First Bancorp Inc • Savings institutions, not federally chartered • Delaware
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Up to 6,670,000 Shares of Common Stock (Par Value $.01 Per Share)
Sales Agency Agreement • December 19th, 2000 • Citizens First Bancorp Inc • Savings institutions, not federally chartered • North Carolina
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FORM OF CITIZENS FEDERAL SAVINGS BANK DEFERRED FEE AGREEMENT
Fee Agreement • December 19th, 2000 • Citizens First Bancorp Inc • Savings institutions, not federally chartered • Michigan
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