Es&l Bancorp Inc Sample Contracts

RIGHTS AGREEMENT dated as of May 13, 1997 by and between ES&L Bancorp, Inc. and American Stock Transfer & Trust Company as Rights Agent SHAREHOLDER RIGHTS AGREEMENT Table of Contents

Rights Agreement • May 19th, 1997 • Es&l Bancorp Inc • Savings institution, federally chartered • Delaware

• Contract Type
  Rights Agreement
• Filed
  May 19th, 1997
• Company
  Es&l Bancorp Inc
• Industry
  Savings institution, federally chartered
• Jurisdiction
  Delaware

s/ Vincent R. Valicenti ------------------------------- Vincent R. Valicenti, President February 14, 2003 /s/ Vincent R. Valicenti ------------------------------- Vincent R. Valicenti

Agreement • February 18th, 2003 • Es&l Bancorp Inc • Savings institution, federally chartered

• Contract Type
  Agreement
• Filed
  February 18th, 2003
• Company
  Es&l Bancorp Inc
• Industry
  Savings institution, federally chartered

The undersigned persons agree and consent to the joint filing on their behalf of this Schedule 13G in connection with their beneficial ownership of the common stock of ES&L Bancorp, Inc. at December 31, 2002 and agree that this filing is filed on behalf of each of them.