0001193125-04-147688 Sample Contracts

LOAN AGREEMENT
Loan Agreement • August 27th, 2004 • Ocean Shore Holding Co • New Jersey

THIS LOAN AGREEMENT (“Loan Agreement”) is made and entered into as of the day of , 2004, by and between the OCEAN CITY HOME BANK EMPLOYEE STOCK OWNERSHIP PLAN TRUST (“Borrower”), a trust forming part of the Ocean City Home Bank Employee Stock Ownership Plan (“ESOP”); and OCEAN SHORE HOLDING, CO. (“Lender”), a corporation organized and existing under the laws of the United States of America.

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PROPOSED FORM OF EMPLOYMENT AGREEMENT
Employment Agreement • August 27th, 2004 • Ocean Shore Holding Co • New Jersey

THIS AGREEMENT (the “Agreement”), made this day of , 2004, by and between OCEAN SHORE HOLDING CO., a federally chartered corporation (the “Company”), OCEAN CITY HOME BANK, a federally chartered savings association (the “Bank”), and STEVEN E. BRADY (the “Executive”).

FORM OF OCEAN CITY HOME BANK CHANGE IN CONTROL AGREEMENT
Change in Control Agreement • August 27th, 2004 • Ocean Shore Holding Co • New Jersey

This AGREEMENT (“Agreement”) is hereby entered into as of , 2004, by and between Ocean City Home Bank (the “Bank”), a federally-chartered savings bank with its principal offices at 1001 Asbury Avenue, Ocean City, New Jersey 08226-3392 and (“Executive”) and Ocean Shore Holding Co. (the “Company”), a federally-chartered corporation and the holding company of the Bank, as guarantor.

OCEAN CITY HOME BANK SPLIT DOLLAR LIFE INSURANCE AGREEMENT
Split Dollar Life Insurance Agreement • August 27th, 2004 • Ocean Shore Holding Co • New Jersey

THIS AGREEMENT entered into this 18th day of December, 2002 by and between OCEAN CITY HOME BANK (the “Bank”), a federally-chartered savings bank, and STEVEN BRADY (the “Employee”).

OCEAN CITY HOME BANK SALARY CONTINUATION AGREEMENT
Salary Continuation Agreement • August 27th, 2004 • Ocean Shore Holding Co • New Jersey

THIS AGREEMENT (“Agreement”) is made this 18th day of December, 2002, by and between OCEAN CITY HOME BANK, a federal mutual savings bank located in Ocean City, New Jersey (the “Bank”), and ANTHONY RIZZOTTE (the “Executive”).

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