Common use of Term of Employment Clause in Contracts

Term of Employment. (a) The Employers hereby employ the Executive as President and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, this Agreement shall terminate three (3) years after the date first above written. Prior to the first annual anniversary of the date first above written and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, review (taking into account all relevant factors, including the Executive's performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The term of this Agreement shall continue to extend each year if the Boards of Directors so approve such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is consistent with his title of President and Chief Executive Officer.

Term of Employment. (a) The Employers Employer hereby employ employs the Executive as President and Chief Executive Officer Senior Vice President, and the Executive hereby accepts said employment and agrees to render such services to the Employers Employer on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2Subject to the terms hereof, this Agreement shall terminate three (3) years after the date first above written. Prior Beginning on the day which is one year subsequent to the first annual anniversary of the date first above written written, and on each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, review (taking into account all relevant factors, including the Executive's performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The term of this Agreement shall continue to extend each be extended for a period of one additional year if provided that the Boards of Directors so approve such extension unless the Executive gives written Employer has not given notice to the Employers Executive in writing at least 30 days prior to such day that the term of this Agreement shall not be extended further and/or the Executive's Executive has not given notice to the Employer of his election not to extend the term, with such notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than term at least thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any such annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Employer as is consistent with his title of Senior Vice President and Chief Executive Officerfrom time to time assigned to him by the Employer's Board of Directors.

Term of Employment. (a) The Employers Corporation hereby employ employs the Executive as President and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Corporation on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Corporation, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Corporation shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year extension of the remaining term of under this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Corporation as is may be consistent with his title titles and from time to time assigned to him by the Corporation's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Corporation hereby employ employs the Executive as President and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Corporation on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Corporation, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Corporation shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Corporation as is may be consistent with his title her titles and from time to time assigned to her by the Corporation's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as President and Chief Executive Officer of the Corporation and the Bank and the Executive hereby accepts said employment and agrees to render such services to the Employers Corporation and the Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement. Prior to The term of this Agreement may be extended for an additional year on the first second annual anniversary of the date first above written of this Agreement, and on each annual anniversary thereafter, if the Boards of Directors of the Employers so approve such extension, such that at any time the remaining term of this Agreement shall be from one to two years. Prior to the second annual anniversary of the date of this Agreement and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, consider and review (after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards of Directors so approve such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors of the Employers elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is may be consistent with his title titles and from time to time assigned to him by the Employers' Boards of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as Executive Vice President and Chief Executive Financial Officer of the Corporation and the Bank and the Executive hereby accepts said employment and agrees to render such services to the Employers Corporation and the Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement. Prior to The term of this Agreement may be extended for an additional year on the first second annual anniversary of the date first above written of this Agreement, and on each annual anniversary thereafter, if the Boards of Directors of the Employers so approve such extension, such that at any time the remaining term of this Agreement shall be from one to two years. Prior to the second annual anniversary of the date of this Agreement and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, consider and review (after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards of Directors so approve such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors of the Employers elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is may be consistent with his title titles and from time to time assigned to him by the Employers' Boards of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as Executive Vice President of the Corporation and Chief Executive Officer the Bank and the Executive hereby accepts said employment and agrees to render such services to the Employers Corporation and the Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement. Prior to The term of this Agreement may be extended for an additional year on the first second annual anniversary of the date first above written of this Agreement, and on each annual anniversary thereafter, if the Boards of Directors of the Employers so approve such extension, such that at any time the remaining term of this Agreement shall be from one to two years. Prior to the second annual anniversary of the date of this Agreement and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, consider and review (after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards of Directors so approve such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors of the Employers elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is may be consistent with his title titles and from time to time assigned to him by the Employers' Boards of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Bank, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title her titles and from time to time assigned to her by the Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Corporation hereby employ employs the Executive as President and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Corporation on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Corporation, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Corporation shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year extension of the remaining term of under this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers Corporation of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Corporation as is may be consistent with his title titles and from time to time assigned to him by the Corporation's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as President and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, subject to the requirements of the succeeding sentence, shall be deemed automatically, without further action, to extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year extension of the remaining term of under this Agreement. The , and the term of this Agreement shall continue to extend each year if in the Boards manner set forth above unless either the Board of Directors so does not approve such extension unless and provides written notice to the Executive of such event or the Executive gives written notice to the Employers of the Executive's election not to extend the term, in each case with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is may be consistent with his title titles and from time to time assigned to him by the Employers' Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as President and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, this Agreement shall terminate three (3) years after the date first above written. Prior to the first annual anniversary of the date first above written and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The term of this Agreement shall continue to extend each year if the Boards of Directors so approve such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is consistent with his title of President and Chief Executive Officertitle.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Bank, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title titles and from time to time assigned to him by the Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as Senior Vice President and Chief Executive Officer Corporate Secretary and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, subject to the requirements of the succeeding sentence, shall be deemed automatically, without further action, to extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year extension of the remaining term of under this Agreement. The , and the term of this Agreement shall continue to extend each year if in the Boards manner set forth above unless either the Board of Directors so does not approve such extension unless and provides written notice to the Executive of such event or the Executive gives written notice to the Employers of the Executive's election not to extend the term, in each case with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is may be consistent with his title titles and from time to time assigned to him by the Employers' Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President and Chief Executive Officer of the Philadelphia Region of the Bank, and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank, on the terms and conditions set forth in this Agreement. Unless The term of employment under this Agreement shall be for a term of three years, commencing on the date of this Agreement, unless such term is extended as provided in this Section 2, this Agreement shall terminate three (3) years after the date first above written. Prior to the first annual anniversary of the date first above written and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers Bank of the Executive's election not to extend the term, with such notice to be given not less than thirty sixty (3060) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty sixty (3060) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title titles and from time to time assigned to him by the Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as Executive Vice President and Chief Executive Financial Officer of the Bank, and the Executive hereby accepts said employment and agrees to render such services to the Employers Employer, on the terms and conditions set forth in this Agreement. Unless The term of employment under this Agreement shall be for a term of three years, commencing on the date of this Agreement, unless such term is extended as provided in this Section 2, this Agreement shall terminate three (3) years after . On the date first above written. Prior to the first annual anniversary of the date first above written and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, review (taking into account all relevant factors, including the Executive's performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The term of this Agreement shall continue automatically be extended for an additional one-year without the need for notification to extend each year if be given by the Boards Board of Directors so approve of the Employer of its approval of such extension unless extension. If either the Executive on the one hand, or the Bank on the other hand, gives written notice to the Employers other party or parties hereto of the Executive's such party’s or parties’ election not to extend the term, with such notice to be given not less than thirty ninety (3090) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term “Term of this Agreement Employment” shall refer both to the initial term and successive terms. (b) During the term Term of this AgreementEmployment, the Executive shall perform such executive services for the Employers Employer as is may be consistent with his title Executive’s titles and such executive services which are from time to time assigned to Executive by the Employer’s Board of President Directors. The Executive shall devote Executive’s entire business time, attention, skill and Chief energy exclusively to the business of the Employer. The Executive Officer.shall not engage or prepare to engage in any other business activity, whether or not such business activity is pursued for gain, profit or other economic or financial advantage; provided, however, that the Executive may engage in appropriate civic, charitable or religious activities and devote a reasonable amount of time to private investments or boards or other activities provided that such activities do not interfere or conflict with the Executive’s responsibilities and are not or not likely to be contrary to the Employer interests

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate three (3) years after be for two years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Bank, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from one to two years in the absence of notice to the contrary. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, consider and review (after taking into account all relevant factors, including the Executive's performance’s performance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's ’s election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title titles and from time to time assigned to him by the Bank’s Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President Chairman of the Board and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Bank, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, consider and review (taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title titles and from time to time assigned to him by the Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President and Senior Vice President, Chief Executive Information Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Bank, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, consider and review (taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers Employer of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title titles and from time to time assigned to him by the Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Corporation hereby employ employs the Executive as President, the Bank hereby employs the Executive as President and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after beginning on the date first above writtenEffective Date. Prior to the first second annual anniversary of the date first above written Effective Date and each annual anniversary thereafter, the Boards Board of Directors of each of the Employers Corporation and the Bank shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performance’s performance hereunder) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The If the Boards of Directors approve such an extension, then the term of this Agreement shall continue to extend each year if be so extended as of the Boards relevant annual anniversary of Directors so approve such extension the Effective Date unless the Executive gives written notice to the Employers of the Executive's ’s election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such relevant annual anniversary dateof the Effective Date; provided, however, that if either the Corporation or the Bank is deemed to be in “troubled condition” as defined in 12 C.F.R. §§225.71 or 303.101(c) (or any successors thereto) as of the applicable annual anniversary of the Effective Date, then the term of this Agreement shall not be extended unless and until the Employers shall have received all requisite regulatory approvals, non-objections or consents to such renewal pursuant to the provisions of 12 C.F.R. Part 359. If the Boards either Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such annual anniversary dateof the Effective Date. If any party gives timely notice that the term will not be extended as of any annual anniversary dateof the Effective Date, then this Agreement and the rights and obligations provided herein shall terminate at the conclusion of its remaining term, except to the extent set forth in Section 5(d) (including the provisions referenced in such section) and Section 7. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Corporation and the Bank as is may be consistent with his title titles and from time to time assigned to him by the Corporation’s Chairman and Chief Executive Officer with respect to the Executive’s duties relating to the Corporation or by the Corporation’s or the Bank’s Board of Directors. (c) During the term of this Agreement, the Executive shall also be nominated or re-nominated to be a member of the Board of Directors of each of the Corporation and the Bank, as long as the Executive has not materially violated any of the terms and provisions of this Agreement. (d) The Executive represents and warrants that his entering into this Agreement, and his performance of his duties as President of the Corporation and President and Chief Executive OfficerOfficer of the Bank, will not breach or give rise to any cause of action against the Executive, the Corporation or the Bank under the terms of any agreements between the Executive and any prior employer (a “Prior Agreement”). The Executive shall comply with any surviving terms of any Prior Agreement, including terms concerning competition, non-solicitation and confidentiality.

Term of Employment. (a) The Employers hereby employ the Executive as Executive Vice President and Chief Executive Operating Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, this Agreement shall terminate three (3) years after the date first above written. Prior to the first annual anniversary of the date first above written and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's ’s performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The term of this Agreement shall continue to extend each year if the Boards of Directors so approve such extension unless the Executive gives written notice to the Employers of the Executive's ’s election not to extend the term, with such notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is are consistent with his title of Executive Vice President and Chief Executive Operating Officer.

Term of Employment. (a) The Employers hereby employ the Executive as President President-Chief Operating and Chief Executive Managing Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, this Agreement shall terminate three (3) years after the date first above written. Prior to the first third annual anniversary of the date first above written and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The term of this Agreement shall continue to extend each year if the Boards of Directors so approve such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and the successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is are consistent with his title of President President-Chief Operating and Chief Executive Managing Officer.

Term of Employment. (a) The Employers Association hereby employ employs the Executive as President and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Association on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Association, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Association shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year extension of the remaining term of under this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Association as is may be consistent with his title titles and from time to time assigned to him by the Association's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as Senior Vice President and Chief Executive Financial Officer of the Corporation and Senior Vice-President and Chief Financial Officer of the Bank and Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the effective date first above written. Prior of this Agreement and, subject to the first requirements of the succeeding sentence, shall be deemed automatically, without further action, to extend for an additional year on each annual anniversary of the date first above written of this Agreement. Prior to the anniversary of the date of this Agreement and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year extension of the remaining term of under this Agreement. The , and the term of this Agreement shall continue to extend each year if in the manner set forth above unless either the Boards of Directors so does not approve such extension unless and provides written notice to the Executive of such event or the Executive gives written notice to the Employers of the Executive's election not to extend the term, in each case with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is may be consistent with his title titles and from time to time assigned to him by the Employers' Boards of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Corporation hereby employ employs the Executive as Vice President and Chief Executive Financial Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Corporation on the terms and conditions set forth Consent of Independent Auditor in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Corporation, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Corporation shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year extension of the remaining term of under this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Corporation as is may be consistent with his title titles and from time to time assigned to him by the Corporation's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as Vice President and Chief Executive Lending Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, subject to the requirements of the succeeding sentence, shall be deemed automatically, without further action, to extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year extension of the remaining term of under this Agreement. The , and the term of this Agreement shall continue to extend each year if in the Boards manner set forth above unless either the Board of Directors so does not approve such extension unless and provides written notice to the Executive of such event or the Executive gives written notice to the Employers of the Executive's election not to extend the term, in each case with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is may be consistent with his title titles and from time to time assigned to him by the Employers' Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as President President-Chief Operating and Chief Executive Managing Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, this Agreement shall terminate three (3) years after the date first above written. Prior to the first annual anniversary of the date first above written and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's ’s performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The term of this Agreement shall continue to extend each year if the Boards of Directors so approve such extension unless the Executive gives written notice to the Employers of the Executive's ’s election not to extend the term, with such notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is are consistent with his title of President President-Chief Operating and Chief Executive Managing Officer.

Term of Employment. (a) The Employers Corporation hereby employ employs the Executive as President and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Corporation on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after the date first above written. Prior to the first annual anniversary from December 1, 2006 and, upon approval of the date first above written and each annual anniversary thereafter, the Boards Board of Directors of the Employers Corporation, shall considerextend for an additional year on December 1st of each subsequent calendar year such that at any time after December 1, 2006 the remaining term of this Agreement shall be from two to three years, absent notice of non-renewal as set forth below. Prior to December 1, 2007 and each December 1st thereafter, the Board of Directors of the Corporation shall consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performance’s performance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's ’s election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary dateDecember 1st. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary dateDecember 1st. If any party gives timely notice that the term will not be extended as of December 1st of any annual anniversary dateyear, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Corporation as is may be consistent with his title her titles and from time to time assigned to her by the Corporation’s Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President and Chief Executive Officer President, ComNet Mortgage Services Division and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the effective date first above writtenof this Agreement and, upon approval of the Board of Directors of the Bank, shall extend for an additional year on each annual anniversary of the effective date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the effective date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, consider and review (taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers Employer of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title titles and from time to time assigned to him by the Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as Executive Vice President and Chief Executive Banking Officer of the Bank, and the Executive hereby accepts said employment and agrees to render such services to the Employers Employer, on the terms and conditions set forth in this Agreement. Unless The term of employment under this Agreement shall be for a term of three years, commencing on the date of this Agreement, unless such term is extended as provided in this Section 2, this Agreement shall terminate three (3) years after . On the date first above written. Prior to the first annual anniversary of the date first above written and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, review (taking into account all relevant factors, including the Executive's performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The term of this Agreement shall continue automatically be extended for an additional one-year without the need for notification to extend each year if be given by the Boards Board of Directors so approve of the Employer of its approval of such extension unless extension. If either the Executive on the one hand, or the Bank on the other hand, gives written notice to the Employers other party or parties hereto of the Executive's such party’s or parties’ election not to extend the term, with such notice to be given not less than thirty ninety (3090) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term “Term of this Agreement Employment” shall refer both to the initial term and successive terms. (b) During the term Term of this AgreementEmployment, the Executive shall perform such executive services for the Employers Employer as is may be consistent with his title Executive’s titles and such executive services which are from time to time assigned to Executive by the Employer’s Board of President Directors. The Executive shall devote Executive’s entire business time, attention, skill and Chief energy exclusively to the business of the Employer. The Executive Officer.shall not engage or prepare to engage in any other business activity, whether or not such business activity is pursued for gain, profit or other economic or financial advantage; provided, however, that the Executive may engage in appropriate civic, charitable or religious activities and devote a reasonable amount of time to private investments or boards or other activities provided that such activities do not interfere or conflict with the Executive’s responsibilities and are not or not likely to be contrary to the Employer interests

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President and Chief Executive Officer ____________________________ and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Bank, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, consider and review (after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title titles and from time to time assigned to him by the Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as President and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Employers, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year extension of the remaining term of under this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less 4 4 than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is may be consistent with his title titles and from time to time assigned to him by the Employers' Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President and Chief Executive Officer Senior Vice President, Community Banking and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Bank, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, consider and review (taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers Employer of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title titles and from time to time assigned to him by the Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as President and Chief Executive Officer of the Corporation and President and Chief Executive Officer of the Bank and Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate three commence on February 28, 2004 and shall continue until February 28, 2007. Subject to the requirements of the succeeding sentence, commencing July 1, 2004 (3“Renewal Date”) years after and on each July 1st thereafter, the date first above writtenterm of this Agreement shall be deemed automatically, without further action, to extend for an additional year. Prior to the first annual anniversary of the date first above written Renewal Date and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performance’s performance hereunder) and, if appropriate, explicitly approve a one-year extension of the remaining term of under this Agreement. The , and the term of this Agreement shall continue to extend each year if in the manner set forth above unless either the Boards of Directors so do not approve such extension unless and provide written notice to the Executive of such event or the Executive gives written notice to the Employers of the Executive's ’s election not to extend the term, in each case with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If date of the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining termRenewal Date. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is may be consistent with his title titles and from time to time assigned to him by the Employers’ Boards of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate three (3) years after be until the date first above written. Prior to the first annual three-year anniversary of December 1, 2007 and, upon approval of the date first above written and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank, shall considerextend for an additional year on December 1st of each subsequent calendar year such that at any time after December 1, 2008 the remaining term of this Agreement shall be from two to three years, absent notice of non-renewal as set forth below. Prior to December 1, 2008 and each December 1st thereafter, the Board of Directors of the Bank shall consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary dateDecember 1st. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary dateDecember 1st. If any party gives timely notice that the term will not be extended as of December 1st of any annual anniversary dateyear, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title her titles and from time to time assigned to her by the Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers First Federal hereby employ employs the Executive as President and Chief Executive Officer Executive, and the Executive hereby accepts said employment with First Federal and agrees to render such services to the Employers First Federal on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall commence on January 1, 1999 and shall terminate three on December 31, 2001, unless extended by First Federal's Boards of Directors in the manner provided below, or unless sooner terminated by First Federal or the Executive pursuant to Section 5 of this Agreement. (3b) years after the date first above written. Prior At a meeting of First Federal's Boards of Directors prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers First Federal shall consider, consider and review (taking into account all relevant factors, including the Executive's performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of under this Agreement. The , and (with appropriate corporate documentation thereof, and after taking into account all relevant factors including the Executive's performance hereunder and the merits of a three-year agreement) the term of this Agreement shall continue to extend each year if be extended, unless either the Boards Board of Directors so does not approve such extension unless and provides written notice to the Executive of such event or the Executive gives written notice to the Employers First Federal of the Executive's election not to extend the term, in each case, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (bc) During the term of this Agreement, the Executive shall perform such executive services for the Employers First Federal as is may be consistent with his title titles and from time to time assigned to him by First Federal's Board of President Directors, provided, however, that the Executive shall not be precluded from (i) vacations and Chief Executive Officerother leave time in accordance with Section 3(c) below, (ii) reasonable participation in community, civic, charitable, or similar organizations, (iii) reasonable participation in industry-related activities, or (iv) pursuing personal investments which do not interfere or conflict with the performance of Executive's duties to First Federal.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as Senior Vice President and Chief Executive Financial Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Bank, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, consider and review (taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title titles and from time to time assigned to him by the Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as Executive Vice President of the Corporation and Executive Vice President and Chief Executive Lending Officer of the Bank and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, this Agreement shall terminate three (3) years after the date first above written. Prior to the first annual anniversary of the date first above written and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The term of this Agreement shall continue to extend each year if the Boards of Directors so approve such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is consistent with his title of Executive Vice President and Chief Lending Officer. The Executive Officershall be responsible for establishing and coordinating the lending activities of the Bank, including oversight of the Bank's loan portfolio.

Term of Employment. (a) The Employers Savings Bank hereby employ employs the Executive as Senior Vice President and Chief Executive Financial Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Savings Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Savings Bank, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Savings Bank shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year extension of the remaining term of under this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Savings Bank as is may be consistent with his title titles and from time to time assigned to him by the Savings Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Corporation hereby employ employs the Executive as President President, Chief Operating Officer and Chief Executive Officer Secretary and the Executive hereby accepts said employment and agrees to render such services to the Employers Corporation on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the effective date first above writtenof this Agreement and, upon approval of the Board of Directors of the Corporation, shall extend for an additional year on each annual anniversary of the effective date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the effective date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Corporation shall consider, consider and review (taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Corporation as is may be consistent with his title titles and from time to time assigned to him by the Corporation's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as Senior Vice President and Chief Executive Officer Secretary and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, this Agreement shall terminate three (3) years after the date first above written. Prior to the first annual anniversary of the date first above written and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, review (taking into account all relevant factors, including the Executive's performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The term of this Agreement shall continue to extend each year if the Boards of Directors so approve such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is consistent with his title of Senior Vice President and Chief Executive OfficerSecretary.

Term of Employment. (a) The Employers hereby employ the Executive as President and Chief Executive Officer of the Corporation and President and Chief Executive Officer of the Bank and Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the effective date first above written. Prior of this Agreement and, subject to the first requirements of the succeeding sentence, shall be deemed automatically, without further action, to extend for an additional year on each annual anniversary of the date first above written of this Agreement. Prior to the anniversary of the date of this Agreement and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year extension of the remaining term of under this Agreement. The , and the term of this Agreement shall continue to extend each year if in the manner set forth above unless either the Boards of Directors so does not approve such extension unless and provides written notice to the Executive of such event or the Executive gives written notice to the Employers of the Executive's election not to extend the term, in each case with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is may be consistent with his title titles and from time to time assigned to him by the Employers' Boards of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as President and Chief Executive Officer Vice President- Lending, and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement. Prior The Board of Directors of the Employers and the Executive may mutually agree to extend the term of this Agreement for an additional one year as of each or any annual anniversary of the date of this Agreement by affirmatively approving an addendum to this Agreement at least forty-five (45) days prior to such anniversary date. At least forty-five (45) days prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The A decision to not extend the term of this Agreement on any annual anniversary date shall continue to extend each year if the Boards of Directors so approve such not preclude an extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any other annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is may be consistent with his title titles and from time to time assigned to him by the Employers's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Corporation hereby employ employs the Executive as President Chairman of the Board and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Corporation on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Corporation, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Corporation shall consider, consider and review (taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Corporation as is may be consistent with his title titles and from time to time assigned to him by the Corporation's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as Chairman, President and Chief Executive Officer of each of the Corporation and the Association, and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2Subject to the terms hereof, this Agreement shall terminate three (3) years after the date first above writtenon December 31, 2026. Prior to the first annual anniversary of the date first above written December 31, 2024 and each annual anniversary December 31st thereafter, the Boards of Directors of the Employers shall consider, consider and review (after taking into account all relevant factors, including the Executive's ’s performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend for one additional year as of each year December 31st if the Boards of Directors so approve such extension unless the Executive gives written notice to the Employers of the Executive's ’s election not to extend the term, with such notice to be given not less than thirty (30) days prior to any such December 31 anniversary date. If the Boards either Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such December 31 anniversary date. If any party gives timely notice that the term will Agreement is not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is consistent with his title titles of Chairman, President and Chief Executive OfficerOfficer and from time to time assigned to him by the Employers’ Boards of Directors.

Term of Employment. (a) The Employers Companies hereby employ the Executive as President Chairman, President, and Chief Executive Officer of First Defiance and the Chairman and Chief Executive Officer of First Federal. Executive hereby accepts said employment and agrees to render such services to the Employers Companies on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate three (3) years after be a three-year term, which shall be deemed to have commenced on January 1, 2007. However, at a meeting of the date first above written. Prior Companies' Board of Directors no later than 30 days prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Companies shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, factors including the Executive's performanceperformance and the merits of a three-year agreement) and, if appropriate, explicitly approve a one-year extension of the remaining term of under this Agreement. The , and the term of this Agreement shall continue to extend each year if extend, unless either the Boards Board of Directors so does not approve such extension unless and provides written notice to the Executive of such event or the Executive gives written notice to the Employers Companies of the Executive's election not to extend the term, in each case, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Companies as is may be consistent with his title titles and from time to time assigned to him by the Companies' Board of President Directors; provided, however, that the Executive shall not be precluded from (i) vacations and Chief Executive Officerother leave time in accordance with section 3(c) below; (ii) reasonable participation in community, civic, charitable, or similar organizations; (iii) reasonable participation in industry-related activities; or (iv) pursuing personal investments that do not interfere or conflict with the performance of Executive's duties to the Companies.

Term of Employment. (a) The Employers hereby employ the Executive as President and Chief Executive Officer of the Corporation and President and Chief Executive Officer of the Bank and Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above written. Prior of this Agreement and, subject to the first requirements of the succeeding sentence, shall be deemed automatically, without further action, to extend for an additional year on each annual anniversary of the date first above written of this Agreement. Prior to the anniversary of the date of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year extension of the remaining term of under this Agreement. The , and the term of this Agreement shall continue to extend each year if in the Boards manner set forth above unless either the Board of Directors so does not approve such extension unless and provides written notice to the Executive of such event or the Executive gives written notice to the Employers of the Executive's election not to extend the term, in each case with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is may be consistent with his title titles and from time to time assigned to him by the Employers' Boards of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President President, Chief Operating Officer and Chief Executive Officer Secretary and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the effective date first above writtenof this Agreement and, upon approval of the Board of Directors of the Bank, shall extend for an additional year on each annual anniversary of the effective date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the effective date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, consider and review (taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title titles and from time to time assigned to him by the Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as President and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above written. Prior of this Agreement and, subject to the first requirements of the succeeding sentence, shall be deemed automatically, without further action, to extend for an additional year on each annual anniversary of the date first above written of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to November 1, 1997 and each annual anniversary thereafter, the Boards Board of Directors of the Employers shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year extension of the remaining term of under this Agreement. The , and the term of this Agreement shall continue to extend each year if in the manner set forth above unless either the Boards of Directors so of the Employers does not approve such extension unless and provides written notice to the Executive of such event or the Executive gives written notice to the Employers of the Executive's election not to extend the term, in each case with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is may be consistent with his title titles and from time to time assigned to him by the Employers' Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as President and Chief Executive Officer of the Corporation and as Chairman of the Board and Chief Executive Officer of the Bank, and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, this Agreement shall terminate three (3) years after December 14, 2007 (the date first above written“Commencement Date”). Prior to the first annual anniversary of the date first above written Commencement Date and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's ’s performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The term of this Agreement shall continue to extend each year if the Boards of Directors so approve such extension unless the Executive gives written notice to the Employers of the Executive's ’s election not to extend the term, with such notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is are consistent with his title titles of President and Chief Executive OfficerOfficer of the Corporation and as Chairman and Chief Executive Officer of the Bank.

Term of Employment. (a) The Employers Employer hereby employ employs the Executive as Executive Vice President and Chief Executive Financial Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Employer on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2Subject to the terms hereof, this Agreement shall terminate three two (32) years after the date first above written. Prior Beginning on the day which is one year subsequent to the first annual anniversary of the date first above written written, and on each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, review (taking into account all relevant factors, including the Executive's performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The term of this Agreement shall continue to extend each be extended for a period of one additional year if provided that the Boards of Directors so approve such extension unless the Executive gives written Employer has not given notice to the Employers Executive in writing at least 30 days prior to such day that the term of this Agreement shall not be extended further and/or the Executive's Executive has not given notice to the Employer of his election not to extend the term, with such notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than term at least thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any such annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Employer as is consistent with his title of Executive Vice President and Chief Executive OfficerFinancial Officer and from time to time assigned to him by the Employer's Board of Directors.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after the date first above written. Prior to the first annual anniversary from December 1, 2006 and, upon approval of the date first above written and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank, shall considerextend for an additional year on December 1st of each subsequent calendar year such that at any time after December 1, 2006 the remaining term of this Agreement shall be from two to three years, absent notice of non-renewal as set forth below. Prior to December 1, 2007 and each December 1st thereafter, the Board of Directors of the Bank shall consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performance’s performance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's ’s election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary dateDecember 1st. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary dateDecember 1st. If any party gives timely notice that the term will not be extended as of December 1st of any annual anniversary dateyear, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title her titles and from time to time assigned to her by the Bank’s Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Savings Bank hereby employ employs the Executive as President and Chief Executive Officer of the Savings Bank and the Executive hereby accepts said employment and agrees to render such services to the Employers Savings Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above written. Prior of this 4 Agreement and, subject to the first requirements of the succeeding sentence, shall be deemed automatically, without further action, to extend for an additional year on each annual anniversary of the date first above written of this Agreement. Prior to the anniversary of the date of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Savings Bank shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year extension of the remaining term of under this Agreement. The , and the term of this Agreement shall continue to extend each year if in the Boards manner set forth above unless either the Board of Directors so does not approve such extension unless and provides written notice to the Executive of such event or the Executive gives written notice to the Employers Savings Bank of the Executive's election not to extend the term, in each case with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Savings Bank as is may be consistent with his title titles and from time to time assigned to him by the Savings Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as Executive Vice President and Chief Executive Operating Officer of the Corporation and as President and Chief Operating Officer of the Bank and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, this Agreement shall terminate three (3) years after December 14, 2007 (the date first above written"Commencement Date"). Prior to the first annual anniversary of the date first above written Commencement Date and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The term of this Agreement shall continue to extend each year if the Boards of Directors so approve such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is are consistent with his title of Executive Vice President and Chief Executive OfficerOperating Officer of the Corporation and as President and Chief Operating Officer of the Bank.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President and Chief Executive Vice President—Head of Commercial Banking—Senior Lending Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Employer on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after beginning on the date first above writtenEffective Date. Prior to the first second annual anniversary of the date first above written Effective Date and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performance’s performance hereunder) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The If the Board of Directors approves such an extension, then the term of this Agreement shall continue to extend each year if be so extended as of the Boards relevant annual anniversary of Directors so approve such extension the Effective Date unless the Executive gives written notice to the Employers Employer of the Executive's ’s election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such relevant annual anniversary dateof the Effective Date; provided, however, that if the Bank is deemed to be in “troubled condition” as defined in 12 C.F.R. §§225.71 or 303.101(c) (or any successors thereto) as of the applicable annual anniversary of the Effective Date, then the term of this Agreement shall not be extended unless and until the Employer shall have received all requisite regulatory approvals, non-objections or consents to such renewal pursuant to the provisions of 12 C.F.R. Part 359. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such annual anniversary dateof the Effective Date. If any party gives timely notice that the term will not be extended as of any annual anniversary dateof the Effective Date, then this Agreement and the rights and obligations provided herein shall terminate at the conclusion of its remaining term, except to the extent set forth in Section 5(d) (including the provisions referenced in such section) and Section 7. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title of titles and from time to time assigned to him by the Bank’s President and Chief CEO or by the Bank’s Board of Directors. (c) The Executive Officerrepresents and warrants that his entering into this Agreement, and his performance of his duties as Executive Vice President—Head of Commercial Banking—Senior Lending Officer of the Bank, will not breach or give rise to any cause of action against the Executive, the Corporation or the Bank under the terms of any agreements between the Executive and any prior employer (a “Prior Agreement”). The Executive shall comply with any surviving terms of any Prior Agreement, including terms concerning competition, non-solicitation and confidentiality.

Term of Employment. (a) The Employers Corporation hereby employ employs the Executive as Senior Vice President and Chief Executive Financial Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Corporation on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Corporation, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Corporation shall consider, consider and review (taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Corporation as is may be consistent with his title titles and from time to time assigned to him by the Corporation's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President and Chief Executive Officer Senior Vice President, Community Banking and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the effective date first above writtenof this Agreement and, upon approval of the Board of Directors of the Bank, shall extend for an additional year on each annual anniversary of the effective date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the effective date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, consider and review (taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers Employer of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title titles and from time to time assigned to him by the Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) 1. The Employers Bank hereby employ employs the Executive as President as set forth below, and Chief Executive Officer and the Executive hereby accepts said this employment and agrees to render such services to the Employers Bank on the terms and conditions as set forth in this Agreement. Unless This Agreement shall be for a three (3) year period (the “Employment Period”) beginning on the Effective Date of the Consolidation, and if not previously terminated pursuant to the terms of this Agreement, shall end three years later (the “Initial Term”). The employment Period shall be extended automatically for one (1) additional year on the anniversary date of this Agreement (“Renewal Date”) and then on each anniversary of the Renewal Date of this Agreement thereafter, unless Bank or Executive gives contrary written notice to the other ninety (90) days prior to the anniversary date so that upon such anniversary of the Renewal Date if notice had not been previously given as provided in this Section 2I.1, this Agreement the Employment Period shall terminate continue for a three (3) years after year period thereafter. References in the date first above written. Prior Agreement to “Employment Period” shall refer to the first annual anniversary of the date first above written and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, review (taking into account all relevant factors, including the Executive's performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The term Initial Term of this Agreement shall continue and any extensions to extend each year if the Boards Initial Term. It is the intention of Directors so approve such extension the parties that this Agreement be “Evergreen” unless the Executive (i) either party gives written notice to the Employers other party of the Executive's election his or its intention not to extend the term, with such notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then renew this Agreement shall terminate at the conclusion as provided above or (ii) this Agreement is terminated pursuant to Section VI of its remaining termthis Agreement. 2. References herein to During the term of this Agreement the Executive shall refer both perform such executive services for the Bank as are consistent with his title and as are assigned to him by the initial term and successive termsBank’s Board of Directors. (b) 3. During the term of this Agreement, the Executive shall perform devote his best efforts, including such executive portion of his time and effort to the affairs and business of the Bank as he has customarily provided to this date. 4. The services for of Executive shall be rendered principally in Pennsylvania, but he shall do such traveling on behalf of the Employers Bank as is consistent with his title of President and Chief Executive Officermay be reasonably required.

Term of Employment. (a) The Employers hereby employ the Executive as President Vice President/Secretary and Chief Executive Financial Officer of each of the Corporation and the Association, and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2Subject to the terms hereof, this Agreement shall terminate three (3) years after the date first above writtenon December 31, 2026. Prior to the first annual anniversary of the date first above written December 31, 2024 and each annual anniversary December 31st thereafter, the Boards of Directors of the Employers shall consider, consider and review (after taking into account all relevant factors, including the Executive's ’s performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend for one additional year as of each year December 31st if the Boards of Directors so approve such extension unless the Executive gives written notice to the Employers of the Executive's ’s election not to extend the term, with such notice to be given not less than thirty (30) days prior to any such December 31 anniversary date. If the Boards either Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such December 31 anniversary date. If any party gives timely notice that the term will Agreement is not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is consistent with his title her titles of President Vice President/Secretary and Chief Executive OfficerFinancial Officer and from time to time assigned to her by the Employers’ Boards of Directors.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President President, Chief Operating Officer and Chief Executive Officer Secretary and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Bank, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, consider and review (taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title titles and from time to time assigned to him by the Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Corporation hereby employ employs the Executive as President and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Corporation on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Corporation, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Corporation shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Corporation as is may be consistent with his title titles and from time to time assigned to him by the Corporation's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President and Chief Executive Officer President, ComNet Mortgage Services Division and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Bank, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, consider and review (taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers Employer of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title titles and from time to time assigned to him by the Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as President and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services Subject to the Employers provisions on termination of employment contained in Section 9 herein, the term of the employment provided for herein of Townsend by LFC and by the Bank shall be for a period of three (3) yexxx, xxxinning on the terms Effective Date of this Agreement and conditions set forth in this Agreement. Unless ending on the date which is the last day prior to the third (3rd) anniversary of the Effective Date, unless extended as provided in this Section 2, this Agreement shall terminate three (3) years after below. Subject to the date first above written. Prior provisions on termination of employment as provided for in Section 9, below, prior to the first annual anniversary of the Effective Date of this Agreement and prior to each anniversary of that date first above written and each annual anniversary thereafter, the Boards Board of Directors of LFC and the Board of Directors of the Employers Bank, respectively, shall consider, review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the ExecutiveTownsend's performance) and, if appropriate, explicitly approve a one-year one (0) xxxx extension of the remaining term of this Agreement. The term of this Agreement shall continue to so extend each year if the Boards of Directors so approve such extension extension, respectively, unless the Executive Townsend gives written notice to LFC or the Employers Bank, respectively, of the Executive's Toxxxxxx'x election not to extend the term, with such notice not to be given not less than thirty bx xxxx xxxn sixty (3060) days prior to any such anniversary date. If the Boards Board of Directors of LFC, or the Board of Directors of Bank, respectively, elect not to extend the term, they that Board of Directors shall give written notice to Townsend of such decision to the Executive not less than thirty sixty (3060) days prior to any such anniversary xxxx xxxiversary date. If any either party hereto gives such timely notice to the other party that the term of this Agreement will not be extended as of any annual such anniversary date, then then, and in such event, this Agreement shall terminate at the conclusion of its then remaining term. References herein in this Agreement to the term of this Agreement shall be deemed to refer both to the initial term and all successive termsterms hereunder. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is consistent with his title of President and Chief Executive Officer.

Term of Employment. (a) The Employers hereby employ the Executive as President and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services Subject to the Employers provisions on termination of employment contained in Section 9 herein, the term of the employment provided for herein of Townxxxx xx LFC and by the Bank shall be for a period of three (3) years, beginning on the terms Effective Date of this Amended Agreement and conditions set forth in this Agreement. Unless ending on the date which is the last day prior to the third (3rd) anniversary of the Effective Date, unless extended as provided in this Section 2, this Agreement shall terminate three (3) years after below. Subject to the date first above written. Prior provisions on termination of employment as provided for in Section 9, below, prior to the first annual anniversary of the Effective Date of this Amended Agreement and prior to each anniversary of that date first above written and each annual anniversary thereafter, the Boards Board of Directors of LFC and the Board of Directors of the Employers Bank, respectively, shall consider, review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performanceTownxxxx'x xxxformance) and, if appropriate, explicitly approve a one-one (1) year extension of the remaining term of this Amended Agreement. The term of this Amended Agreement shall continue to so extend each year if the Boards of Directors so approve such extension extension, respectively, unless the Executive gives Townxxxx xxxes written notice to LFC or the Employers Bank, respectively, of the Executive's election Townxxxx'x xxxction not to extend the term, with such notice not to be given not less than thirty sixty (3060) days prior to any such anniversary date. If the Boards Board of Directors of LFC, or the Board of Directors of Bank, respectively, elect not to extend the term, they that Board of Directors shall give written notice of to Townxxxx xx such decision to the Executive not less than thirty sixty (3060) days prior to any such anniversary date. If any either party hereto gives such timely notice to the other party that the term of this Amended Agreement will not be extended as of any annual such anniversary date, then then, and in such event, this Amended Agreement shall terminate at the conclusion of its then remaining term. References herein in this Amended Agreement to the term of this Amended Agreement shall be deemed to refer both to the initial term and all successive termsterms hereunder. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is consistent with his title of President and Chief Executive Officer.

Term of Employment. (a) The Employers hereby employ the Executive as Executive Vice President and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, this Agreement shall terminate three (3) years after the date first above written. Prior to the first annual anniversary of the date first above written and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The term of this Agreement shall continue to extend each year if the Boards of Directors so approve such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is consistent with his title of President and Chief Executive Officertitle.

Term of Employment. (a) The Employers hereby employ the Executive as President Secretary and Chief Executive Officer Treasurer and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, this Agreement shall terminate three one (31) years year after the date first above written. Prior to the first annual anniversary of the date first above written and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The term of this Agreement shall continue to extend each year if the Boards of Directors so approve such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is consistent with his title of President Secretary and Chief Executive OfficerTreasurer.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President and Executive Vice President, Chief Executive Lending Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the effective date first above writtenof this Agreement and, upon approval of the Board of Directors of the Bank, shall extend for an additional year on each annual anniversary of the effective date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the effective date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, consider and review (taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers Bank of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title titles and from time to time assigned to him by the Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President Chairman of the Board and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the effective date first above writtenof this Agreement and, upon approval of the Board of Directors of the Bank, shall extend for an additional year on each annual anniversary of the effective date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the effective date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, consider and review (taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title titles and from time to time assigned to him by the Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as President and Chief Executive Officer of the Bank and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, this Agreement shall terminate three on December 31, 2005 or such earlier time as may be required by the Office of Thrift Supervision (3) years after the date first above written"OTS"). Prior to the first annual anniversary of the date first above written and each annual anniversary thereafter, the Boards The Board of Directors of the Employers shall Corporation may consider, review (taking into account all relevant factors, including the Executive's performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement prior to December 31st of 2003 or any year thereafter during the term of this Agreement. The term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve such extension unless the Executive gives written notice to the Employers Corporation of the Executive's election not to extend the term, with such notice to be given not less than thirty (30) days prior to any such anniversary dateDecember 31st. If the Boards Board of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary dateDecember 31st. If any party gives timely notice that the term will not be extended as of any annual anniversary dateextended, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is consistent with his title of President and Chief Executive Officer.

Term of Employment. (a) The Employers hereby employ the Executive as President and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, subject to the requirements of the succeeding sentence, shall be deemed automatically, without further action, to extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year extension of the remaining term of under this Agreement. The , and the term of this Agreement shall continue to extend each year if in the Boards manner set forth above unless either the Board of Directors so does not approve such extension unless and provides written notice to the Executive of such event or the Executive gives written notice to the Employers of the Executive's election not to extend the term, in each case with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is may be consistent with his title titles and from time to time assigned to him by the Employers' Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as President and Chief Executive Officer of the Corporation and the Bank, and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, the term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The term of this Agreement shall continue to extend each year if the Boards of Directors so approve such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such notice to be given not less than thirty ninety (3090) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, or if the Employers fail to give written notice of their election to extend as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is may be consistent with his title titles and from time to time assigned to him by the Employers' Boards of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as Senior Vice President and Chief Executive Financial Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the effective date first above writtenof this Agreement and, upon approval of the Board of Directors of the Bank, shall extend for an additional year on each annual anniversary of the effective date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the effective date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, consider and review (taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title titles and from time to time assigned to him by the Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President and Chief Executive Officer President, Eastern Tennessee Region of the Bank, and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank, on the terms and conditions set forth in this Agreement. Unless The term of employment under this Agreement shall be for a term of three years, commencing on the date of this Agreement, unless such term is extended as provided in this Section 2, this Agreement shall terminate three (3) years after the date first above written. Prior to the first third annual anniversary of the date first above written and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The After the expiration of the initial three-year term, the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension extension, unless the Executive gives written notice to the Employers Bank of the Executive's election not to extend the term, with such notice to be given not less than thirty sixty (3060) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty sixty (3060) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary dateextended, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title titles and from time to time assigned to him by the Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as Executive Vice President and Chief Executive Financial Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, this Agreement shall terminate three (3) years after the date first above written. Prior to the first annual anniversary of the date first above written and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's ’s performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The term of this Agreement shall continue to extend each year if the Boards of Directors so approve such extension unless the Executive gives written notice to the Employers of the Executive's ’s election not to extend the term, with such notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is are consistent with his withher title of Executive Vice President and Chief Executive Financial Officer.

Term of Employment. (a) The Employers hereby employ the Executive as President and Chief Executive Officer as________________________ and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, this Agreement shall terminate three (3) years after the date first above written. Prior to the first second annual anniversary of the date first above written and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, consider and review (after taking into account all relevant factors, including the Executive's performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year (beginning with the second annual anniversary date) if the Boards of Directors so approve such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any such annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is consistent with his title of President _______________________ and Chief Executive Officerfrom time to time assigned to him by the Employers' Boards of Directors.

Term of Employment. (a) The Employers Corporation hereby employ employs the Executive as President President, Chief Operating Officer and Chief Executive Officer Secretary and the Executive hereby accepts said employment and agrees to render such services to the Employers Corporation on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Corporation, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Corporation shall consider, consider and review (taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Corporation as is may be consistent with his title titles and from time to time assigned to him by the Corporation's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President and Senior Vice President, Chief Executive Information Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the effective date first above writtenof this Agreement and, upon approval of the Board of Directors of the Bank, shall extend for an additional year on each annual anniversary of the effective date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the effective date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, consider and review (taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers Employer of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title titles and from time to time assigned to him by the Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President and Chief Executive Officer Senior Vice President, Business Banking and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the effective date first above writtenof this Agreement and, upon approval of the Board of Directors of the Bank, shall extend for an additional year on each annual anniversary of the effective date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the effective date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, consider and review (taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers Employer of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title titles and from time to time assigned to him by the Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Corporation hereby employ employs the Executive as President and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Corporation on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate three (3) years after be for two years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Corporation, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from one to two years in the absence of notice to the contrary. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Corporation shall consider, consider and review (after taking into account all relevant factors, including the Executive's performance’s performance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's ’s election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Corporation as is may be consistent with his title titles and from time to time assigned to him by the Corporation’s Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Corporation hereby employ employs the Executive as President and Chief Executive Officer _______________________ and the Executive hereby accepts said employment and agrees to render such services to the Employers Corporation on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Corporation, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Corporation shall consider, consider and review (after taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Corporation as is may be consistent with his title titles and from time to time assigned to him by the Corporation's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Corporation hereby employ employs the Executive as President Chairman of the Board and Chief Executive Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Corporation on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the effective date first above writtenof this Agreement and, upon approval of the Board of Directors of the Corporation, shall extend for an additional year on each annual anniversary of the effective date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the effective date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Corporation shall consider, consider and review (taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Corporation as is may be consistent with his title titles and from time to time assigned to him by the Corporation's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Companies hereby employ the Executive as Executive Vice President of First Defiance and President and Chief Executive Operating Officer and the of First Federal. Executive hereby accepts said employment and agrees to render such services to the Employers Companies on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate three (3) years after be a three-year term, which shall be deemed to have commenced on January 1, 2007. However, at a meeting of the date first above written. Prior Companies' Board of Directors no later than 30 days prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Companies shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, factors including the Executive's performanceperformance and the merits of a three-year agreement) and, if appropriate, explicitly approve a one-year extension of the remaining term of under this Agreement. The , and the term of this Agreement shall continue to extend each year if extend, unless either the Boards Board of Directors so does not approve such extension unless and provides written notice to the Executive of such event or the Executive gives written notice to the Employers Companies of the Executive's election not to extend the term, in each case, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Companies as is may be consistent with his title titles and from time to time assigned to him by the Companies' Board of President Directors; provided, however, that the Executive shall not be precluded from (i) vacations and Chief Executive Officerother leave time in accordance with section 3(c) below; (ii) reasonable participation in community, civic, charitable, or similar organizations; (iii) reasonable participation in industry-related activities; or (iv) pursuing personal investments that do not interfere or conflict with the performance of Executive's duties to the Companies.

Term of Employment. (a) The Employers hereby employ the Executive as President and President, Chief Executive Officer Operating Officer, and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement. Prior The Board of Directors of the Employers and the Executive may mutually agree to extend the term of this Agreement for an additional one year as of each or any annual anniversary of the date of this Agreement by affirmatively approving an addendum to this Agreement at least forty-five (45) days prior to such anniversary date. At least forty-five (45) days prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performance’s performance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The A decision to not extend the term of this Agreement on any annual anniversary date shall continue to extend each year if the Boards of Directors so approve such not preclude an extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any other annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is may be consistent with his title titles and from time to time assigned to him by the Employers’s Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President and Chief Executive Officer Senior Vice President, Business Banking and the Executive hereby accepts said employment and agrees to render such services to the Employers Bank on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the date first above writtenof this Agreement and, upon approval of the Board of Directors of the Bank, shall extend for an additional year on each annual anniversary of the date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, consider and review (taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers Employer of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title titles and from time to time assigned to him by the Bank's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers Bank hereby employ employs the Executive as President and Chief Executive Credit Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Employer on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after beginning on the date first above writtenEffective Date. Prior to the first second annual anniversary of the date first above written Effective Date and each annual anniversary thereafter, the Boards Board of Directors of the Employers Bank shall consider, consider and review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performance’s performance hereunder) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The If the Board of Directors approves such an extension, then the term of this Agreement shall continue to extend each year if be so extended as of the Boards relevant annual anniversary of Directors so approve such extension the Effective Date unless the Executive gives written notice to the Employers Employer of the Executive's ’s election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such relevant annual anniversary dateof the Effective Date; provided, however, that if the Bank is deemed to be in "troubled condition" as defined in 12 C.F.R. §§225.71 or 303.101(c) (or any successors thereto) as of the applicable annual anniversary of the Effective Date, then the term of this Agreement shall not be extended unless and until the Employer shall have received all requisite regulatory approvals, non-objections or consents to such renewal pursuant to the provisions of 12 C.F.R. Part 359. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such annual anniversary dateof the Effective Date. If any party gives timely notice that the term will not be extended as of any annual anniversary dateof the Effective Date, then this Agreement and the rights and obligations provided herein shall terminate at the conclusion of its remaining term, except to the extent set forth in Section 5(d) (including the provisions referenced in such section) and Section 7. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Bank as is may be consistent with his title of titles and from time to time assigned to him by the Bank's President and CEO or by the Bank’s Board of Directors. (c) The Executive represents and warrants that his entering into this Agreement, and his performance of his duties as Chief Credit Officer of the Bank, will not breach or give rise to any cause of action against the Executive, the Corporation or the Bank under the terms of any agreements between the Executive Officerand any prior employer (a "Prior Agreement"). The Executive shall comply with any surviving terms of any Prior Agreement, including terms concerning competition, non-solicitation and confidentiality.

Term of Employment. (a) The Employers Corporation hereby employ employs the Executive as Senior Vice President and Chief Executive Financial Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers Corporation on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, The term of employment under this Agreement shall terminate be for three (3) years after years, commencing on the effective date first above writtenof this Agreement and, upon approval of the Board of Directors of the Corporation, shall extend for an additional year on each annual anniversary of the effective date of this Agreement such that at any time the remaining term of this Agreement shall be from two to three years. Prior to the first annual anniversary of the effective date first above written of this Agreement and each annual anniversary thereafter, the Boards Board of Directors of the Employers Corporation shall consider, consider and review (taking into account all relevant factors, including the Executive's performanceperformance hereunder) and, if appropriate, explicitly approve a one-year an extension of the remaining term of this Agreement. The , and the term of this Agreement shall continue to extend each year if the Boards Board of Directors so approve approves such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such written notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards Board of Directors elect elects not to extend the term, they it shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers Corporation as is may be consistent with his title titles and from time to time assigned to him by the Corporation's Board of President and Chief Executive OfficerDirectors.

Term of Employment. (a) The Employers hereby employ the Executive as Executive Vice President and Chief Executive Financial Officer and the Executive hereby accepts said employment and agrees to render such services to the Employers on the terms and conditions set forth in this Agreement. Unless extended as provided in this Section 2, this Agreement shall terminate three (3) years after December 14, 2007 (the date first above written"Commencement Date"). Prior to the first annual anniversary of the date first above written Commencement Date and each annual anniversary thereafter, the Boards of Directors of the Employers shall consider, review (with appropriate corporate documentation thereof, and after taking into account all relevant factors, including the Executive's performance) and, if appropriate, explicitly approve a one-year extension of the remaining term of this Agreement. The term of this Agreement shall continue to extend each year if the Boards of Directors so approve such extension unless the Executive gives written notice to the Employers of the Executive's election not to extend the term, with such notice to be given not less than thirty (30) days prior to any such anniversary date. If the Boards of Directors elect not to extend the term, they shall give written notice of such decision to the Executive not less than thirty (30) days prior to any such anniversary date. If any party gives timely notice that the term will not be extended as of any annual anniversary date, then this Agreement shall terminate at the conclusion of its remaining term. References herein to the term of this Agreement shall refer both to the initial term and successive terms. (b) During the term of this Agreement, the Executive shall perform such executive services for the Employers as is are consistent with his her title of Executive Vice President and Chief Executive Financial Officer.