EXHIBIT 4.6 TAPPAN ZEE FINANCIAL, INC. 1996 STOCK OPTION PLAN FOR OUTSIDE DIRECTORS NON-QUALIFIED STOCK OPTION AGREEMENTNon-Qualified Stock Option Agreement • July 11th, 1997 • Tappan Zee Financial Inc • Savings institution, federally chartered • New York
EXHIBIT 4.5 TAPPAN ZEE FINANCIAL, INC. 1996 STOCK OPTION PLAN FOR OFFICERS AND EMPLOYEES INCENTIVE STOCK OPTION AGREEMENT --------------------------------Incentive Stock Option Agreement • July 11th, 1997 • Tappan Zee Financial Inc • Savings institution, federally chartered • New York
