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0000943374-06-000708 Sample Contracts

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FORM OF STOCK OPTION AGREEMENT (EMPLOYEES)
Stock Option Agreement • May 23rd, 2006 • First Federal of Northern Michigan Bancorp, Inc. • National commercial banks
FORM OF STOCK OPTION AGREEMENT (OUTSIDE DIRECTORS)
Stock Option Agreement • May 23rd, 2006 • First Federal of Northern Michigan Bancorp, Inc. • National commercial banks
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