1,164,375 Shares (subject to increase up to 1,339,031 shares in the event of an increase in the pro forma market value of the Company’s Common Stock) SFSB, Inc. (a federal stock holding company) Common Stock (par value $.01 per share) AGENCY AGREEMENTAgency Agreement • November 2nd, 2004 • SFSB, Inc. • Savings institution, federally chartered • New York
EMPLOYMENT AGREEMENTEmployment Agreement • November 2nd, 2004 • SFSB, Inc. • Savings institution, federally chartered • Maryland
THIS EMPLOYMENT AGREEMENT (the “Agreement”) is made as of the day of , 2004, between Slavie Federal Savings Bank (the “Bank” or “Employer”), a capital stock federal savings bank chartered by the United States and a wholly owned subsidiary of SFSB, Inc. and Sophie T. Wittelsberger, a resident of the State of Maryland (the “Employee”).
