0000931763-03-000812 Sample Contracts

CHANGE IN CONTROL SEVERANCE AGREEMENT WITH EDITH STEVENS, DATED JANUARY 1, 2003
Change in Control Severance Agreement • March 31st, 2003 • CCF Holding Co • Savings institution, federally chartered • Georgia

THIS CHANGE IN CONTROL SEVERANCE AGREEMENT (“Agreement”) entered into this 1st day of January, 2003 (“Effective Date”), by and between Heritage Bank (the “Bank”) and Edith Stevens (the “Employee”).

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CHANGE IN CONTROL SEVERANCE AGREEMENT WITH C.T. SEGERS, DATED JANUARY 1, 2003
Control Severance Agreement • March 31st, 2003 • CCF Holding Co • Savings institution, federally chartered • Georgia

THIS CHANGE IN CONTROL SEVERANCE AGREEMENT (“Agreement”) entered into this 1st day of January, 2003 (“Effective Date”), by and between Heritage Bank (the “Bank”) and C.T. Segers (the “Employee”).

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EMPLOYMENT AGREEMENT WITH DAVID B. TURNER, DATED JANUARY 1, 2003
Employment Agreement • March 31st, 2003 • CCF Holding Co • Savings institution, federally chartered • Georgia

THIS AGREEMENT entered into this 1st day of January, 2003 (“Effective Date”), by and between Heritage Bank (the “Bank”) and David B. Turner (the “Employee”).

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