Exhibit 99.3 FIDELITY BANCORP, INC. ---------------------- 1993 Incentive Stock Option Plan 1993 Stock Option Plan for Outside Directors CONVERSION AGREEMENT -------------------- THIS CONVERSION AGREEMENT, made and entered into as of _____, 2003, by...Conversion Agreement • August 4th, 2003 • Maf Bancorp Inc • Savings institution, federally chartered
