EXHIBIT 10.4 NON-QUALIFIED STOCK OPTION AGREEMENT SIENA HOLDINGS, INC. 1. GRANT OF OPTION. Siena Holdings, Inc., a Delaware corporation (the "Company" or "Siena") or its Subsidiaries, hereby grants to: W. JOSEPH DRYER (the "Grantee" "You" or "Your")...Non-Qualified Stock Option Agreement • February 11th, 1998 • Siena Holdings Inc • Mortgage bankers & loan correspondents • Delaware
1 EXHIBIT 10.2 RETENTION AGREEMENT This Retention Agreement (this "Agreement"), dated and effective as of the 1st day of December, 1997 is by and between Siena Holdings, Inc., a Delaware corporation ("Company"), and W. Joseph Dryer, an individual...Retention Agreement • February 11th, 1998 • Siena Holdings Inc • Mortgage bankers & loan correspondents
