25% Uses in Acquisition of Significant Share Ownership Clause

Acquisition of Significant Share Ownership from Change in Control Agreement

This Change in Control Agreement (the Agreement) is entered into as of this 1st day of January, 2002, by and between NewMil Bancorp, Inc., a Delaware corporation (hereafter NewMil Bancorp), and Roberta Reed (the Executive).

Acquisition of Significant Share Ownership. a report on Schedule 13D, Schedule TO, or another form or schedule (other than Schedule 13G), is filed or is required to be filed under Sections 13(d) or 14(d) of the Securities Exchange Act of 1934, if the schedule discloses that the filing person or persons acting in concert has or have become the beneficial owner of 25% or more of a class of NewMil Bancorps voting securities (but this clause (2) shall not apply to beneficial ownership of voting shares held by a Subsidiary in a fiduciary capacity), or

Acquisition of Significant Share Ownership from Change in Control Agreement

This Change in Control Agreement (the Agreement) is entered into as of this 2nd day of January, 2002, by and between NewMil Bancorp, Inc., a Delaware corporation (hereafter NewMil Bancorp), and Thomas W. Grant (the Executive).

Acquisition of Significant Share Ownership. a report on Schedule 13D, Schedule TO, or another form or schedule (other than Schedule 13G), is filed or is required to be filed under Sections 13(d) or 14(d) of the Securities Exchange Act of 1934, if the schedule discloses that the filing person or persons acting in concert has or have become the beneficial owner of 25% or more of a class of NewMil Bancorps voting securities (but this clause (2) shall not apply to beneficial ownership of voting shares held by a Subsidiary in a fiduciary capacity), or

Acquisition of Significant Share Ownership from Change in Control Agreement

This Change in Control Agreement (the Agreement) is entered into as of this 1st day of January, 2002, by and between NewMil Bancorp, Inc., a Delaware corporation (hereafter NewMil Bancorp), and Diane Farrell (the Executive).

Acquisition of Significant Share Ownership. a report on Schedule 13D, Schedule TO, or another form or schedule (other than Schedule 13G), is filed or is required to be filed under Sections 13(d) or 14(d) of the Securities Exchange Act of 1934, if the schedule discloses that the filing person or persons acting in concert has or have become the beneficial owner of 25% or more of a class of NewMil Bancorps voting securities (but this clause (2) shall not apply to beneficial ownership of voting shares held by a Subsidiary in a fiduciary capacity), or

Acquisition of Significant Share Ownership from Change in Control Agreement

This Change in Control Agreement (the Agreement) is entered into as of this 1st day of January, 2002, by and between NewMil Bancorp, Inc., a Delaware corporation (hereafter NewMil Bancorp), and Betty F. Pacocha (the Executive).

Acquisition of Significant Share Ownership. a report on Schedule 13D, Schedule TO, or another form or schedule (other than Schedule 13G), is filed or is required to be filed under Sections 13(d) or 14(d) of the Securities Exchange Act of 1934, if the schedule discloses that the filing person or persons acting in concert has or have become the beneficial owner of 25% or more of a class of NewMil Bancorps voting securities (but this clause (2) shall not apply to beneficial ownership of voting shares held by a Subsidiary in a fiduciary capacity), or

Acquisition of Significant Share Ownership from Change in Control Agreement

This Change in Control Agreement (the Agreement) is entered into as of this 1st day of January, 2002, by and between NewMil Bancorp, Inc., a Delaware corporation (hereafter NewMil Bancorp), and B. Ian McMahon (the Executive).

Acquisition of Significant Share Ownership. a report on Schedule 13D, Schedule TO, or another form or schedule (other than Schedule 13G), is filed or is required to be filed under Sections 13(d) or 14(d) of the Securities Exchange Act of 1934, if the schedule discloses that the filing person or persons acting in concert has or have become the beneficial owner of 25% or more of a class of NewMil Bancorps voting securities (but this clause (2) shall not apply to beneficial ownership of voting shares held by a Subsidiary in a fiduciary capacity), or

Acquisition of Significant Share Ownership from Change in Control Agreement

This Change in Control Agreement (the Agreement) is entered into as of this 1st day of January, 2002, by and between NewMil Bancorp, Inc., a Delaware corporation (hereafter NewMil Bancorp), and Terrence J. Shannon (the Executive).

Acquisition of Significant Share Ownership. a report on Schedule 13D, Schedule TO, or another form or schedule (other than Schedule 13G), is filed or is required to be filed under Sections 13(d) or 14(d) of the Securities Exchange Act of 1934, if the schedule discloses that the filing person or persons acting in concert has or have become the beneficial owner of 25% or more of a class of NewMil Bancorps voting securities (but this clause (2) shall not apply to beneficial ownership of voting shares held by a Subsidiary in a fiduciary capacity), or

Acquisition of Significant Share Ownership from Change in Control Agreement

This Change in Control Agreement (the Agreement) is entered into as of this 1st day of January, 2002, by and between NewMil Bancorp, Inc., a Delaware corporation (hereafter NewMil Bancorp), and John A. Baker (the Executive).

Acquisition of Significant Share Ownership. a report on Schedule 13D, Schedule TO, or another form or schedule (other than Schedule 13G), is filed or is required to be filed under Sections 13(d) or 14(d) of the Securities Exchange Act of 1934, if the schedule discloses that the filing person or persons acting in concert has or have become the beneficial owner of 25% or more of a class of NewMil Bancorps voting securities (but this clause (2) shall not apply to beneficial ownership of voting shares held by a Subsidiary in a fiduciary capacity), or