0001193125-13-136898 Sample Contracts

CENTRAL FEDERAL CORPORATION
Non-Qualified Stock Option Award Agreement • April 1st, 2013 • Central Federal Corp • Savings institution, federally chartered

In signing this Non-qualified Stock Option Award Agreement, you hereby acknowledge that all decisions, determinations and interpretations of the Committee in regards to the Plan and/or this Non-qualified Stock Option Award Agreement are final and conclusive.

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CENTRAL FEDERAL CORPORATION
Incentive Stock Option Award Agreement • April 1st, 2013 • Central Federal Corp • Savings institution, federally chartered

In signing this Incentive Stock Option Award Agreement, you hereby acknowledge that all decisions, determinations and interpretations of the Committee in regards to the Plan and/or this Incentive Stock Option Award Agreement are final and conclusive.

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