And Employees Incentive Stock Option Agreement Sample Contracts

EXHIBIT 4.5 TAPPAN ZEE FINANCIAL, INC. 1996 STOCK OPTION PLAN FOR OFFICERS AND EMPLOYEES INCENTIVE STOCK OPTION AGREEMENT --------------------------------
And Employees Incentive Stock Option Agreement • July 11th, 1997 • Tappan Zee Financial Inc • Savings institution, federally chartered • New York
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