Common use of EMPLOYEE DIRECTORS Clause in Contracts

EMPLOYEE DIRECTORS. STOCK OPTIONS for a total of _________ shares of Common Stock of SFB Bancorp, Inc. (the "Company") is hereby granted to ___________________ (the "Optionee") at the price determined as provided in, and in all respects subject to the terms, definitions and provisions of the 1998 Stock Option Plan (the "Plan") adopted by the Company which is incorporated by reference herein, receipt of which is hereby acknowledged. Such Stock Options do not comply with Options granted under Section 422 of the Internal Revenue Code of 1986, as amended.

EMPLOYEE DIRECTORS. STOCK OPTIONS for a total of _________ shares of Common Stock of SFB BancorpSynergy Financial Group, Inc. (the "Company") is hereby granted to ____________________ (the "Optionee") at the price determined as provided in, and in all respects subject to the terms, definitions and provisions of the 1998 2004 Stock Option Plan (the "Plan") adopted by the Company which is incorporated by reference herein, receipt of which is hereby acknowledged. Such Stock Options do not comply with --- Options granted under Section 422 of the Internal Revenue Code of 1986, as amended.

EMPLOYEE DIRECTORS. STOCK OPTIONS for a total of __________ shares of Common Stock Stock, par value $0.10 per share, of SFB Bancorp, Inc. Westwood Financial Corporation (the "Company") is hereby granted to ___________________ (the "Optionee") at the price determined as provided in, and in all respects subject to the terms, definitions and provisions of the 1998 1993 Stock Option Plan Plans A and B (the "Plan") adopted by the Company which is incorporated by reference herein, receipt of which is hereby acknowledged. Such Stock Options do not comply with Options granted under Section 422 of the Internal Revenue Code of 1986, as amended.

EMPLOYEE DIRECTORS. STOCK OPTIONS for a total of _________ shares of Common Stock of SFB Bancorp, Inc. Kearny Financial Corp. (the "Company") is hereby granted to ___________________ (the "Optionee") at the price determined as provided in, and in all respects subject to the terms, definitions and provisions of the 1998 2005 Stock Option Compensation and Incentive Plan (the "Plan") adopted by the Company which is incorporated by reference herein, receipt of which is hereby acknowledged. Such Stock Options do not comply with Options granted under Section 422 of the Internal Revenue Code of 1986, as amended.

EMPLOYEE DIRECTORS. STOCK OPTIONS for a total of __________ shares of Common Stock of SFB Xxxxx Bancorp, Inc. (the "“Company"”) is hereby granted to _____________________________ (the "“Optionee"”) at the price determined as provided in, and in all respects subject to the terms, definitions and provisions of the 1998 Stock Option 2009 Equity Incentive Plan (the "“Plan"”) adopted by the Company which is incorporated by reference herein, receipt of which is hereby acknowledged. Such Stock Options do not comply with Options granted under Section 422 of the Internal Revenue Code of 1986, as amended.

EMPLOYEE DIRECTORS. STOCK OPTIONS for a total of __________ shares of Common Stock of SFB Fidelity Bancorp, Inc. (the "Company") is hereby granted to ________________________ (the "Optionee") at the price determined as provided in, and in all respects subject to the terms, definitions and provisions of the 1998 Stock Option 2005 Stock-Based Incentive Plan (the "Plan") adopted by the Company which is incorporated by reference herein, receipt of which is hereby acknowledged. Such Stock Options Stoxx Xxtions do not comply with Options granted under Section 422 of the Internal Revenue Code of 1986, as amended.

EMPLOYEE DIRECTORS. STOCK OPTIONS for a total of __________ shares of Common Stock of SFB Sun Bancorp, Inc. (the "Company") is hereby granted to ______________________ (the "Optionee") at the price determined as provided in, and in all respects subject to the terms, definitions and provisions of the 1998 Stock Option 2004 Stock-Based Incentive Plan (the "Plan") adopted by the Company which is incorporated by reference herein, receipt of which is hereby acknowledged. Such Stock Options do not comply with Options granted under Section 422 of the Internal Revenue Code of 1986, as amended.