0000928385-02-002449 Sample Contracts

EXHIBIT 1.2
Citizens South Banking Corp • June 28th, 2002 • Savings institution, federally chartered • New York
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EXHIBIT 99.1
Citizens South Banking Corp • June 28th, 2002 • Savings institution, federally chartered
EXHIBIT 99.5
Citizens South Banking Corp • June 28th, 2002 • Savings institution, federally chartered

This letter sets forth the agreement between Citizens South Banking Corporation ("Citizens South" or the "Company"), subsidiary of Citizens South Holdings, MHC, Gastonia, North Carolina (the "MHC"), and RP Financial, LC. ("RP Financial"), whereby the Company has engaged RP Financial to prepare the written document and financial projections reflecting the pro forma impact of the mutual to stock conversion of the MHC and the post-conversion activities of the Company. These services are described in greater detail below.

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