0001193125-05-184596 Sample Contracts

FORM OF PLEDGE AGREEMENT
Pledge Agreement • September 13th, 2005 • NEBS Bancshares, Inc. • Connecticut

THIS PLEDGE AGREEMENT (“Pledge Agreement”) is made as of the day of , 2005, by and between the ENFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION EMPLOYEE STOCK OWNERSHIP PLAN TRUST (“Pledgor”), and NEBS BANCSHARES, INC., a corporation organized and existing under the laws of Maryland (“Pledgee”).

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PROPOSED NEBS BANCSHARES, INC. EMPLOYMENT AGREEMENT
Employment Agreement • September 13th, 2005 • NEBS Bancshares, Inc. • Connecticut

THIS AGREEMENT (the “Agreement”), made this day of , 200 , by and among NEBS BANCSHARES, INC., a Maryland corporation (the “Company”), and DAVID J. O’CONNOR (“Executive”). References to the “Association” herein shall mean ENFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION.

PROPOSED ENFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION EMPLOYMENT AGREEMENT
Enfield Federal • September 13th, 2005 • NEBS Bancshares, Inc. • Connecticut

THIS AGREEMENT (the “Agreement”), made this day of , 200 , by and among ENFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION, a federally-chartered financial institution (the “Association”), and DAVID J. O’CONNOR (“Executive”). References to the “Company” herein shall mean NEBS BANCSHARES, INC., a Maryland corporation and the Association’s holding company.

FORM OF AMENDMENT TO THE ENFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION CHANGE IN CONTROL AGREEMENT
Control Agreement • September 13th, 2005 • NEBS Bancshares, Inc.

WHEREAS, (the “Executive”) entered into a change in control agreement with Enfield Federal Savings and Loan Association (the “Association”) effective , 200 (the “Agreement”); and

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