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Advance Financial Bancorp Sample Contracts

EXHIBIT 1
Rights Agreement • July 18th, 1997 • Advance Financial Bancorp • Savings institution, federally chartered • Delaware

Standard Contracts

FOR NON-INCENTIVE STOCK OPTIONS PURSUANT TO THE ADVANCE FINANCIAL BANCORP 1998 STOCK OPTION PLAN
Stock Option Agreement • March 19th, 1999 • Advance Financial Bancorp • Savings institution, federally chartered
ARTICLE I
Agreement and Plan of Reorganization • September 2nd, 2004 • Advance Financial Bancorp • Savings institution, federally chartered • Pennsylvania
EXHIBIT 99 AGREEMENT AND PLAN OF MERGER
Merger Agreement • April 19th, 2001 • Advance Financial Bancorp • Savings institution, federally chartered • West Virginia